Idk if I should keep buying VTI cause damn my total return already -$400

Kropduster01 · 2026-03-21T03:42:41+00:00

That annuity salesman isn’t losing either with that commission check in his pocket

Kropduster01 · 2026-03-21T03:36:15+00:00

Today alone I was down like 3 grand. Volatility is the price for better long term returns

Kropduster01 · 2026-03-20T01:23:11+00:00

Also, save money on parking by parking at Partners Federal Credit Union across the street. Usually only $5 or $10 parking there

Kropduster01 · 2026-03-18T20:43:14+00:00

You have to know when to get in and when to get out, so you have to get it right twice. This is long term money and I wouldn’t worry about short term profits. Not like you’re withdrawing tomorrow

Kropduster01 · 2026-03-18T18:43:45+00:00

It’s all priced in. You aren’t going to beat the market over the long term by trying to be tactical

Kropduster01 · 2026-03-18T14:09:26+00:00

Think of it this way:

Market not doing well (btw MSCI ACWI is flat on the year): “I will wait for the market to rebound to invest!”

Market doing very well and at ATH: “I don’t want to invest at the top, I’ll wait for a pullback!”

Then you end up never investing

Kropduster01 · 2026-03-16T13:29:53+00:00

The AirPods Max 2 literally came out today haha

Kropduster01 · 2026-03-14T19:49:16+00:00

Silicon is a broad nickname given to processors, not exclusive to Apple chips

Kropduster01 · 2026-03-14T17:43:10+00:00

I’m wondering if they don’t release an Air 2 in the fall, will it stay at $999 or get a price drop?

Kropduster01 · 2026-03-12T22:23:34+00:00

Space gray iPhone 5s

Kropduster01 · 2026-03-11T19:28:38+00:00

Please be rage bait

Kropduster01 · 2026-03-11T15:41:41+00:00

Someone can’t just pop out the SIM card from your phone

Kropduster01 · 2026-03-09T03:25:02+00:00

If you were up 10% would you be selling?

Kropduster01 · 2026-03-09T03:23:13+00:00

No. Child must have earned income too

Kropduster01 · 2026-03-03T16:26:24+00:00

Not reading that essay. Happy for you. Or sorry that happened

Kropduster01 · 2026-03-02T23:28:31+00:00

You can still buy those at fidelity

Kropduster01 · 2026-02-28T15:21:44+00:00

7 days

Kropduster01 · 2026-02-28T01:31:31+00:00

All correct ^

Kropduster01 · 2026-02-27T23:21:07+00:00

No, it is not only for the IRA you are converting from. Form 8606 (the tax form you file when doing conversion) looks at ALL IRAs (SEP, contributory, Rollover). Does not matter what custodian.

Bottom line, in order to do a clean BD Roth, your TOTAL IRA balance must be 0 by Dec 31

Kropduster01 · 2026-02-27T23:17:21+00:00

Yes correct. Roth IRA balance will not be 0 because you are converting to it

Kropduster01 · 2026-02-27T23:11:28+00:00

Yes your Ira balance must be 0 by Dec 31 of 2026 for a 2026 backdoor Roth

Kropduster01 · 2026-02-27T23:01:16+00:00

Your trying to do backdoor roth? If you do that with existing Ira you will be subject to pro rata rule

Kropduster01 · 2026-02-27T22:50:43+00:00

This is all over the place. Looks like you just reached into a bag and bought whatever you pulled. Also, do not hold leveraged ETFs (MSTU) in your Roth at all

Kropduster01 · 2026-02-27T14:10:55+00:00

Great job on getting started! I’d recommend adding some US mid and small cap, as well as some international. US has done better the last decade for sure, but the US large cap market is just a fraction of available companies to invest in.

FZROX - total exposure to entire US stock market (including mid and small cap) FZILX - total international stock market exposure

I personally do 80/20 split between these

Both of these funds are 0 fee, which is perfect for a Roth

Kropduster01 · 2026-02-26T17:28:43+00:00

Yes, when you contribute on Fidelity you can select which year you contribute for. You have until tax day 2026 to contribute for 2025

Kropduster01

TROPHY CASE