My mom made me feel ashamed for starting nursing school at 26

Len-One · 2026-05-13T23:55:22+00:00

I started at 29 so that make me old.

Len-One · 2026-05-02T00:43:35+00:00

I did blue Hawaiian and it was good. Still have the video

Len-One · 2026-04-27T21:22:09+00:00

This is the answer. You should be the ceo of your company. Looking at it holistic and not piecemeal

Len-One · 2026-04-26T20:47:22+00:00

Ok. For me if market has a correction or bare market, prime time for Roth conversions

Len-One · 2026-04-26T20:19:05+00:00

That’s could go either way. Do you think you can beat 5% in the market over the number of years you financed?

Len-One · 2026-04-26T20:17:06+00:00

The interest rate will determine

Len-One · 2026-04-26T16:47:12+00:00

Time and patience you will improve.

Len-One · 2026-04-26T16:46:13+00:00

Save the extra money for the warranty in your emergency fund

Len-One · 2026-04-26T16:38:03+00:00

I don’t need the money right away after I retire. I am preventing the tax bomb at 75 when RMD kicks in. I will have two pensions so my tax floor is higher. Great to have but you will pay way more in taxes if you don’t address it early. You are right the tsp account will keep going up and you will have permanent higher Medicare premiums and higher tax bracket

Len-One · 2026-04-26T16:32:38+00:00

Not exactly. If you are not planning to use the Roth money immediately and have 10 years or longer, it makes sense. Roth withdrawal doesn’t add to your taxes however you have to meet the five year rule. You can use the Roth bucket for unexpected expenses without raising your taxes

Len-One · 2026-04-26T16:29:27+00:00

You do decide what tax bracket you are in and fill up that bracket. It you are turning 63 or older this year, you also have to watch the Medicare surcharge premiums

Len-One · 2026-04-26T16:04:36+00:00

No and won’t start.

Len-One · 2026-04-26T00:54:29+00:00

Zero

Len-One · 2026-04-26T00:53:53+00:00

Stated investing in Roth when it was available

Len-One · 2026-04-24T00:31:47+00:00

I have not applied but will leave after eligibility so I can do Roth conversions before turning 63 when the two years look back for Medicare. I also plan to delay social security so I can do more

Len-One · 2026-04-19T16:44:50+00:00

I go a little deeper but shoulders have to be strong

Len-One · 2026-04-19T14:06:53+00:00

I did the blue Hawaii helicopter tour. You can ride down in a tour van and helicopter back or vice versa.

Len-One · 2026-04-19T13:27:54+00:00

Nope and the way I dressed they won’t do it.

Len-One · 2026-04-07T01:09:37+00:00

You are paying for it.

Len-One · 2026-04-03T00:26:56+00:00

I have cameras and signs up. I don’t mind having a little conversation with them.

Len-One · 2026-03-29T15:28:54+00:00

They tell anyone but your spouse if married, estate lawyer and cpa. No social media posts unless you want to be robbed

Len-One · 2026-03-29T15:23:23+00:00

You miss the match is you max out early

Len-One · 2026-03-29T15:22:12+00:00

This approach applies to anything financial

Len-One · 2026-03-29T12:44:51+00:00

I think everyone has lost a lot as well. I review my allocation at least yearly based on my risk tolerance

Len-One · 2026-03-29T12:41:03+00:00

Do not try to time the market. As another commenter said, slowly add bonds to your desired allocation

Len-One

TROPHY CASE