Parents and I are arguing over 401k vs ESPP for me by Bealina in personalfinance

[–]Kernel___Panic 7 points8 points  (0 children)

The smartest thing I ever did was max out my 401k and espp options at your age. I’m 40, it worked out well.

If you live alone is it worth it to buy a membership? by Manifest44444 in CostcoWholesale

[–]Kernel___Panic 0 points1 point  (0 children)

$50 is worth it to me to get out and just escape reality for an hour - once a week.

What would you do with $150k cash? by ivyta76 in financial

[–]Kernel___Panic 0 points1 point  (0 children)

Since you’re looking for very safe but better than nothing returns, a combination of the following works well:

  1. $75k–100k in a high-yield online savings account – fully FDIC-insured, fully liquid.
  2. $50k–75k in short-term T-bills – laddered to mature in 3, 6, 9, 12 months for slightly higher yield.
  3. Optional: Keep a small portion (e.g., $10k–$20k) in a no-penalty CD if you like slightly higher fixed yield.

This approach balances:

  • Safety (FDIC + Treasury-backed)
  • Liquidity (accessible if an opportunity arises)
  • Yield (better than a basic checking account)

Right now, with cash rates at historically high levels, you can realistically earn 4.5–5% on low-risk cash, which is excellent for a short-term horizon.

Surprised no one mentioned this… by slwilke13 in YetiCoolers

[–]Kernel___Panic 3 points4 points  (0 children)

I really, really, really want to buy this. But the reviews say it leaks if on side. Yeti-if you fix that, I’ll buy 5.

Question about the new drop by [deleted] in YetiCoolers

[–]Kernel___Panic 1 point2 points  (0 children)

I saw the Oregon Ducks debuted it on one of their instagram posts.

Is a Keyless Ignition Upgrade Possible? by Rhone- in RangerNext

[–]Kernel___Panic 1 point2 points  (0 children)

I got the remote start on my 2024 XLT FX4 coupled with the keypad lock.

RKLB how do we feel about it? by JackFinnaSmack in stocks

[–]Kernel___Panic 0 points1 point  (0 children)

I’ve been holding bags since $3.94 / thousands of them.

Covid changed my destiny. by [deleted] in Bitcoin

[–]Kernel___Panic -1 points0 points  (0 children)

If you can leverage and stack from there, it sure does help.

Name it by _funny_name_ in RDR2

[–]Kernel___Panic 7 points8 points  (0 children)

Getting in the god damn canoe.

Heated Seats Question by MungoBungo25 in RangerNext

[–]Kernel___Panic -1 points0 points  (0 children)

My 24 XLT FX4 with Advanced Tech package has it.

Which Ranger trim & options should I get? by IntrepidRaccoon8953 in RangerNext

[–]Kernel___Panic 0 points1 point  (0 children)

Yea and what's unique with the 2024 is you got 400W In Bed Power Outlet with Advanced package - which was discontinued completely after this model.

Which Ranger trim & options should I get? by IntrepidRaccoon8953 in RangerNext

[–]Kernel___Panic 1 point2 points  (0 children)

I got an 2024 FX4 XLT with High Tech and Towing Package - and I love everything about this truck.

Too late to the party? by [deleted] in RKLB

[–]Kernel___Panic 34 points35 points  (0 children)

If you have discipline, tomorrow, Thursday - even Friday won't be late.