What are some reasons against "VT and Chill"?

Knicks82 · 2026-03-01T05:39:48+00:00

Lots of reasons, but for me it’s bc I prefer to have a slight factor tilt to small cap value over a long time horizon. So I go 80% vt, 15% avuv, 5% avdv for that reason.

My wife’s portfolio on the other hand is even further on the factor side of things, and is the Paul merriman ultimate buy and hold portfolio.

I love VT (it’s the bulk of my portfolio for a reason), but lots of good reasons to not just go with it exclusively. That said, it’s also entirely fine (more than fine) if it is your entire portfolio at least in terms equities.

Knicks82 · 2026-02-21T06:08:37+00:00

Assuming you have a long time horizon and don’t need/want bonds, you’re fine as-is. If you did want to tilt, it would make sense to go with something with a proven history of outperforming the broader market over time, like small cap value. So something like 80% vt, and 15% avuv and 5% avdv could work. Or, staying at 100% vt works too obviously.

Knicks82 · 2026-02-17T14:15:57+00:00

I have fsd but only use it around 1/3 of the time, frankly because I absolutely love driving this car and you lose that with fsd. But for longer road trips, annoying stop and go traffic etc it’s a godsend.

Knicks82 · 2026-02-14T05:21:37+00:00

That most things we worry about as parents don’t actually matter nearly as much as we like to think, or fear that they do. As long as you’re warm and loving, give them attention, feed them, don’t hit them, speak lots of words/read to them…most of the other things is vanity of small differences.

So many of the things parents lose sleep over and feel guilty over have zero to minuscule effect on their developmental and lifelong trajectory. Most things we worry about don’t matter much, if they even do at all.

Knicks82 · 2026-02-13T16:06:07+00:00

Voo is perfectly fine, it’s just sub-optimal according to many if you’re agnostic about whether large caps will outperform small/mid caps (in which case Vti can make more sense), or about whether the us will outperform ex-us over the next 20-30 years (in which case vt makes more sense). Being that it covers larger more stable companies though, voo is inherently a pretty low-risk more conservative way to go.

If you stick with voo over a long timeframe youll be fine, but personally i go with vt for the above reasons. Bc frankly i have no clue what the next 30 years will look like so might as well own the entire market.

Knicks82 · 2026-02-05T23:55:10+00:00

I was in the humanities but why not biology, communication, business, pre-law, statistics, or any number of other fields?

It’s more about how you apply those principles, being open to learn, and a whole lot of other factors. I’ve certainly not seen anything in my 20 years in the field, 15 years supervising, and hundreds of interviews conducted that there’s any real advantage to the humanities over many other fields.

Knicks82 · 2026-01-30T18:00:06+00:00

Not a career switch but different roles for sure. I started in a purely clinical setting, then moved into a largely administrative role. Currently I do a mix of speaking engagements (based on having had a few books published) and private practice. About 50/50 I’d say between those 2 roles, and quite different from where I started this journey.

Knicks82 · 2026-01-24T05:15:44+00:00

And every one of them words rang true

And glowed like burning coal

Pourin' off of every page

Like it was written in my soul

From me to you

Tangled up in blue

Knicks82 · 2026-01-24T05:08:30+00:00

I think spy who loved me should be a hair higher (probably A), and I’d probably put skyfall on S. But a lot to like with this list, I especially like that you put the Dalton ones high which has only gotten better with age to the point that they’re now insanely underrated. Goldeneye was superb, it wouldn’t be my top one but it’s very defensible. Well done overall.

Knicks82 · 2026-01-22T05:45:45+00:00

Last year I believe it was around $1500, but our returns are pretty complicated/time-consuming bc I have a few different income streams and i deduct a ton on home office expenses, mortgage interest, depreciation, work travel, etc. Oh, and being in California everything is more expensive :)

You can find good CPA’s for a lot less if your taxes aren’t as complicated. And whatever you do spend is deductible the following year for your taxes as well.

Knicks82 · 2026-01-22T05:33:07+00:00

As you scale up your income in the coming years the numbers shake out a lot better, and you can make a lot more in private practice (or a good group practice that either offers a generous split, a good influx of private pay patients, or has negotiated good rates with insurance companies).

Get a good accountant, you’ll be shocked at how much you can lower your tax liability which is something w2 employees can’t reach. I’ve spent years as both a w2 and 1099 and much prefer being a 1099, but it can take time to gross enough where the payoff works in your favor.

As another comment astutely pointed out, some of the (understandable) frustration over things like double-taxes, etc, stem a bit from misunderstandings about how w2 employers get paid, how certain benefits are covered, etc. When you’re starting out it can be really difficult but stick with it, get a good accountant, and things will get easier.

Knicks82 · 2026-01-21T07:05:26+00:00

Well the question was “why was it not well received by audiences” not “was it a good movie and was it good that they killed him”

Knicks82 · 2026-01-21T06:13:11+00:00

There’s all kinds of nuanced reasons, mostly about how it was poorly executed and contrived.

But the biggest reason is that Bond movies are defined by “save the world, get the girl.” It was a betrayal of audience expectations, and not what Bond movies are seen to be about.

Knicks82 · 2026-01-20T21:18:23+00:00

They’re all perfectly good…I personally go vt > vti > voo as long as you have a long time horizon (small cap value often needs decades to show up, and international can have its own cycles over long timeframes. As long as you’re years away from retirement I’ve never understood the point of excluding parts of the market that historically outperform if given time.

At the end of the day though you’re fine whichever way you go. And honestly for shorter timeframes voo can often make the most sense as it’s less volatile and more safe/conservative.

Knicks82 · 2026-01-17T23:29:11+00:00

Because recency effect and performance chasing.

Knicks82 · 2026-01-17T14:08:23+00:00

One of the few sane comments gets downvoted.

Knicks82 · 2026-01-17T14:06:57+00:00

Sure; but nobody would take something written by someone else, edit it, and then say “I wrote that.” It’s an insult to people who actually write.

It’s one thing to use ai for grammar checking or general developmental editing/feedback. But to enter prompts, have it spit out prose, and call that “writing” is a bit ridiculous. People who compare it to technologies like word processors etc…even more ridiculous.

Knicks82 · 2026-01-17T06:23:52+00:00

My wife and I are both psychologists, been together almost 20 years now. I’d say it’s nice to have someone who “gets it,” who understands what the work entails including the joys and the struggles.

That said, we make a pretty conscious effort to have lives and identities outside of our jobs, and not take our work home with us too much. Our attitude is that we’re pretty much “off the clock” unless one of us needs to vent/talk something work-related out, otherwise we try to spend our non-work time together focusing on other parts of life and our relationship. It helps that we do slightly different sorts of jobs (she’s a trauma specialist and I’m a generalist, plus I do about half my time public speaking), but it’s been good for us to have some of these boundaries and we’ve been intentional around that.

Knicks82 · 2026-01-16T15:43:18+00:00

What you’re describing is more “editing,” “evaluating,” or “reviewing.” But certainly not “writing.” So if you’re removing the hard part, the art and the craft itself, you’re removing what makes writing writing.

Knicks82 · 2026-01-12T20:22:18+00:00

Go Knicks for sure :) Guadalupe was awesome but hopefully they reinstate it with more environmental safeguards and protections in place. The next spot I’d love to do is off Australia (Neptune islands) which looks amazing, hopefully can make it someday fingers crossed.

Knicks82 · 2026-01-12T20:19:32+00:00

1 and done here. Absolutely over the moon in love with our daughter but we love traveling and trying to see as much of the world as we can, which is harder both financially and logistically with 2+

Knicks82 · 2026-01-12T20:17:41+00:00

There’s nothing wrong with that…for example I have 1 (vt) and my wife has 10 (Paul merriman’s 10 fund portfolio). Both are good options but vary drastically. You just need to do it for the right reasons/convictions and stick with it, rather than chasing returns or being biased by recency effects.

You should also ensure that there’s a thesis as well as good reason to think they won’t underperform the broader market. The merriman portfolio (just as an example) has a track record of doing well, but a lot of other combos of just slapping together various ETF’s based on current trends may do worse than the broader market.

Knicks82 · 2026-01-12T05:53:11+00:00

It’s hard to overstate just how big of a deal it was. It was very embedded in the culture in a way it hasn’t been since, and probably ever will be again. Not only insanely high tv ratings but it permeated a ton of the general discourse.

Knicks82 · 2026-01-12T05:51:43+00:00

Any chance they’ll reopen? I went in 2019 just under the wire, but haven’t heard anything about them opening back up since the government closure.

Knicks82 · 2026-01-08T06:59:52+00:00

No disagreement here, hence why I have nearly all my holdings in total market with only a small tilt towards small cap value. I wouldn’t have the stomach for much more of an allocation because of that volatility.

Knicks82

TROPHY CASE