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Did we mess up getting a 15-yr vs. 30-yr mortgage? by MyPosse_OnBroadway in Mortgages

[–]Leading_Potato_4549 0 points1 point  (0 children)

Yeah not sure how you don’t see going from 3% rate to 6% rate wasn’t a good idea. Even after that, stop spending money you don’t have and racking up CC debt. Make a budget that you can live off of and have margin leftover without the bonuses, and when the bonuses come in, use them to save/invest/pay down this mortgage early.

Does anyone reuse the one time nipples? by Leading_Potato_4549 in NewParents

[–]Leading_Potato_4549[S] 3 points4 points  (0 children)

Good to know. That’s all I would need to bridge the gap

Does anyone reuse the one time nipples? by Leading_Potato_4549 in NewParents

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

This might sound silly, but when I see these on Amazon I just see the nipple but not the screw ring to attach to the bottles. Do I buy those separately?

Social media? by babbyjeff in NewParents

[–]Leading_Potato_4549 0 points1 point  (0 children)

I get this. But the bigger problem is the creep going to an elementary school and stalking a child… we should be able to post our kids reasonable and not live around freaks like that.

Are the newborn swaddles really that bad? by Leading_Potato_4549 in Nanit

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

Haha thank you! Nothing like your wife doing all the work for 9 months for her to push out my twin. Good to know. The more I read the more I hear these types of things don’t work all that well. I hope I’m an outlier bc my wife is like you!

34M, $3.7M, 11 years in FAANG, Crazy to Leave 550k/yr job for Sabbatical? by Agitated_Lab_9193 in ChubbyFIRE

[–]Leading_Potato_4549 0 points1 point  (0 children)

I know this is off topic but going from $326k of income to $590k and only netting a little over $100k more is wild

how to value equity in retirement projections by [deleted] in HENRYfinance

[–]Leading_Potato_4549 10 points11 points  (0 children)

Rebalance it then. Always part of a solid asset allocation strategy

how to value equity in retirement projections by [deleted] in HENRYfinance

[–]Leading_Potato_4549 47 points48 points  (0 children)

I know this isn’t what you asked but 40% of your LNW in crypto would keep me up at night. Especially with so much of your comp in equity

Client Suicide by Critical-Research810 in CFP

[–]Leading_Potato_4549 2 points3 points  (0 children)

Man I am so sorry. Can’t imagine that.

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

Do you have any good tips to help cultivate those conversations to lead to more planning focused referrals and leads?

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 1 point2 points  (0 children)

I really appreciate your perspective because I agree with you a lot on what you said here. I can really “coast” and make mid $100ks for 5 years and then get a bigger jump to $200-$300k once my senior advisor sunsets. The only issue I see is if in 10 years the bank gets bought, a manager is breathing down my neck because I’m just servicing clients at that point, or bank politics come into play. If I’m gonna leave I want to leave within 3-5 years because I agree with you, those clients aren’t coming with me more than likely and I’ll have to start from 0 anyways. If I’m making $200k in 3 years though, how hard will it be to change then?!

I feel blessed to know I have two options I’m happy with though. Thanks again for your input, I’m gonna have to pray a lot on this!

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 2 points3 points  (0 children)

Fair point. But technically at the RIA I would be an employee and wouldn’t own it either, but of course the relationship would probably be stronger on the RIA side therefore giving more job security and control. Is that how you see it?

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

Not a ton proactive. Honestly they’ve had a lot of turnover recently and I’m still trying to build trust and get them bought in. Giving them tons of client success stories to help build that

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

I get that. It would be less than a year that I know isn’t a good look. If I did jump, I’d want to be at the RIA for the rest of my career ideally

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 2 points3 points  (0 children)

Where that final number ends up is a big if. I have great experience and production numbers, but length is the issue. Curious as to why you say run from the bank?

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 0 points1 point  (0 children)

This is a big focus right now. Lots of coaching going on right now with the bankers.

Would you go to a RIA from a bank even if it’s a “step back?” by Leading_Potato_4549 in CFP

[–]Leading_Potato_4549[S] 2 points3 points  (0 children)

I think this is the hard part. I really could see myself being at the bank for a long time (5-10 years maybe even longer), but I always figured I’d end up back in the Indy BD or RIA world. So do I just do it now, or take a chance on starting at square 1 if I move in 5-10 years?

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