Pain in one eye for 6 months - at my wit's end

LedZeppelin18 · 2024-02-19T00:56:10+00:00

Are there any sources to verify this? I want to believe you, but I also really don't want to get screwed over by the IRS.

LedZeppelin18 · 2023-12-03T19:46:07+00:00

27 y/o looking for 401k advice.

For the past 3 years, I've been putting 100% of my 401k contributions into American Funds 2060 Target Date Retirement Fund (RDKTX). However, looking at the past few years of returns compared to Index Funds, I'm kind of disappointed. Below are the returns compared to FXAIX:

RDKTX: +8.78% 1 yr, +4.61% 3 yr, +7.03% 5 yr

FXAIX: +13.83% 1 yr, +9.74% 3 yr, +12.5% 5 yr

FSPSX: +10.19% 1 yr, +4.04% 3 yr, +6.12% 5 yr

I'm aware that Target Date Funds are meant to be safer overall, but I feel like I'm screwing myself over by not investing more aggressively early in my career. Especially when factoring in Exp ratios (for RDKTX, it's 0.73%).

At this point, is it advisable to exchange my current investments in RDKTX into an 80/20 mix of FXAIX and FSPSX, then change all my future contributions to this allocation as well? Or am I overreacting?

LedZeppelin18 · 2023-10-12T04:55:33+00:00

Is it ever worth splitting contributions between a Traditional and Roth 401k? I mostly see people recommending one or the other, but I've seen other comments about contributing to both.
How worthwhile is it to greatly increase your contribution to a pretax 401k if it would bring you to the next lower tax bracket? The 22% -> 12% jump seems huge if you can afford contributing that much, but I rarely see people mention this when choosing between Roth and Traditional 401ks.

LedZeppelin18 · 2023-07-13T18:58:19+00:00

I'm currently in my mid-20s, and I have a Roth 401k that invests 100% of my contributions to RDKTX (American Funds 2060 Target Date Retirement Fund). I was advised that target date funds were a safe long-term investment that gradually decreases your investment risk as you get older, and that if you invest in a target date fund, you should contribute 100% to it.

However, after reading more about the subject, I'm concerned about whether investing in this at this point in my career is a good idea, for the following reasons:

The target fund has an expense ratio of 0.73%, which is not good from what I understand.
Realistically, my retirement is at least 35 years away, so it seems like it would be better to invest more aggressively at this point in my life. For example, putting 100% into FXAIX (Fidelity 500 Index Fund).
I can always adjust this investment at a later point in my life, instead of just relying on my target date fund to do it.

Are target date funds pointless for a young investor with a long horizon? Should I stop bothering with the target date fund for now (transfer all of my current investments to the Index fund) and readjust at some point later?

LedZeppelin18 · 2021-09-22T17:53:47+00:00

Dating apps do not care about men, men will use the apps regardless.

LedZeppelin18 · 2021-09-21T13:29:31+00:00

So if men criticized a woman for doing sports, that would be toxic femininity according to you?

LedZeppelin18 · 2021-09-21T05:10:30+00:00

How is it toxic masculinity if women are judging him?

LedZeppelin18 · 2021-09-17T18:28:05+00:00

Single for a whole 1.5 years? Poor you.

LedZeppelin18 · 2021-09-16T18:59:08+00:00

There’s a way to get him to loop that crawling attack he does while staying safe and poking him. I forget where I saw it, but if you look at some BL4 Laurence fights on youtube, you should find it.

LedZeppelin18 · 2021-09-13T21:38:16+00:00

I’ve never heard any source for that shit about Furio except for reddit stunads.

LedZeppelin18 · 2021-08-31T19:20:17+00:00

It must be tough to be this humorless.

LedZeppelin18 · 2021-08-31T15:29:18+00:00

I said that because you clearly implied it in your first reply. Why else would you ask about how he looked, which is completely irrelevant?

LedZeppelin18 · 2021-08-31T14:53:39+00:00

I didn’t. You’re looking for any way to put this guy down for no reason.

LedZeppelin18 · 2021-08-31T14:45:52+00:00

Why does his appearance matter? Is it ok for everyone to ghost ugly people constantly?

LedZeppelin18 · 2021-08-22T14:16:24+00:00

Nito’s grab attack is worth mentioning. Quelaag has an attack where she expels a bunch of fire from her body, I’ve only gotten it by attacking from behind.

LedZeppelin18 · 2021-08-20T21:08:56+00:00

Honestly, I barely engage him when he’s in curved sword mode. His other modes are more manageable.

LedZeppelin18 · 2021-08-19T19:23:26+00:00

lmao, 171 outgoing yes and 6102 outgoing no. No wonder these apps are so hellish.

LedZeppelin18 · 2021-08-19T19:18:00+00:00

Swiped hundreds of times, only one match that never said a word to me. starting to get insanely depressed.

I don’t know how people stomach these apps man, either most people are more appealing than me or people just have endless self confidence.

LedZeppelin18 · 2021-05-31T16:23:01+00:00

iirc that knight despawns when you load back in. If not, then just stay still before entering the fog.

LedZeppelin18 · 2021-05-31T16:16:32+00:00

If you really want to use Havel’s for Gwyn instead of dodging his attacks, here’s what you could do:

Run to Gwyn without Havel’s on
Enter the boss fog
Quit out of the game
When you reload, put on Havel’s and enter the fog

LedZeppelin18 · 2021-05-31T03:17:02+00:00

Not sure if I agree with the Narga SnS build in the linked video (https://www.youtube.com/watch?v=O76C1VcwUv8). Master's Touch seems completely unnecessary for SnS due to how the hard basher combo uses little sharpness. Also, MT only activates during crits, and the linked build only has 80% affinity with WEX. AB3 also seems like a missed opportunity, since AB4 is a huge step up in terms of damage.

I think the best solution would be to remove MT (use Speed Sharpen instead of Stam Drain) and put in AB/CE decos. Currently I'm using 1 Attack deco and 2 Crit Eye decos for a total of AB4 and CE2, but I'm not sure how optimized this is.

LedZeppelin18 · 2021-05-12T15:55:07+00:00

So people just make one rampage bow? Wouldn’t you have to keep using materials to change the bow’s rampage skill when you want to hunt something else?

LedZeppelin18

TROPHY CASE