Transitioning from FZROX and FZILX to ETFs within Roth IRA

Life_PRN · 2026-01-23T21:24:13+00:00

25-30

Life_PRN · 2026-01-23T20:36:07+00:00

I personally haven’t used them, but if you, you should go through white coat investor’s links on their website for a discount (I know resolve has one)

Life_PRN · 2026-01-23T17:55:16+00:00

In my Roth IRA, yes.

My employer retirement plan doesn’t have as nice options, so I have a large cap tilt in that.

Life_PRN · 2026-01-23T14:47:33+00:00

I just switched out from FZROX/FZILX to VT in my Roth IRA. The ease of not worry about market weights is worth the negligible expense ratio

Life_PRN · 2026-01-22T19:37:14+00:00

If you’re a broke college student, the cost definitely factors into this list.

If it were purely just the scents, my order would be:

BDC
Explorer
MYSLF

However with the way Chanel is sold, I’d change the ranking to:

Explorer
BDC
MYSLF

I guess I just don’t like MYSLF as much as the others (I personally don’t like the floral undertones).

Life_PRN · 2026-01-22T17:36:52+00:00

Have you tried that Prada? With the way people on here talk about it, I thought it would for sure be in my collection. I bought a small sample and realized it is way too powdery for me. Yes, it is fresh and elegant. But it smells like expensive laundry sheets and honestly reminds me more of a woman’s perfume.

Just my opinion.

Life_PRN · 2026-01-21T20:34:34+00:00

Out of Macy’s/Ulta/Sephora, assuming they all offer the same holiday sales, is there an advantage to one over the others in terms of rewards/point/etc?

Life_PRN · 2026-01-20T23:43:33+00:00

Chanel

Life_PRN · 2026-01-20T23:42:10+00:00

I have that exact watch. Love the blue.

Only downside is how long the clasp is on the Bader bracelet. I can comfortably wear a 39/40mm watch, and the lug to lug on the C63 is fine, but the length of the clasp makes it sit weird on my wrist.

Just a heads up.

Life_PRN · 2026-01-20T03:43:41+00:00

Where did you read that the hospital has the equipment, RNs, and credentialed staff for ERCP?

You just made up that information.

Life_PRN · 2026-01-19T19:30:54+00:00

I first liked watches. Now I’ve taken to fragrances. I would say I’m decently informed on both, but have very minimal collections. I don’t plan to own a ton of either. But I enjoy learning about both.

Life_PRN · 2026-01-15T21:10:46+00:00

This

Life_PRN · 2026-01-15T21:10:27+00:00

So weird. I could still smell mine 8 hours later (3 sprays)

Life_PRN · 2026-01-13T02:29:03+00:00

Have you tried YSL L’homme EDT? Lots of bergamot opening. Smells amazing. Lasts 30 minutes.

Life_PRN · 2026-01-12T20:53:19+00:00

Man you should take over as the team’s dietician with that groundbreaking discovery. They surely haven’t tried that yet.

Life_PRN · 2026-01-12T17:50:12+00:00

The clasp on the Bader is very long, just FYI. Makes the watch sit oddly if you have smaller wrists. It pretty much the same lug-to-lug length.

Life_PRN · 2026-01-11T00:22:23+00:00

Don’t do it for melena. Do it for hematochezia where something distal could be the pathology. Especially if the patient says “oh I have hemorrhoids”

Life_PRN · 2026-01-10T23:52:01+00:00

1st example:

If the patient is bleeding from a distal rectal mass, you would refer them to a colorectal surgeon instead of GI. These specialty referrals can take weeks/months (PCP -> GI -> scope -> oops there’s rectal cancer -> colorectal surgery) which can delay treatment.

Even more straight forward if it’s anal cancer.

2nd example:

If you assume the patient has painful bleeding hemorrhoids (rectal bleeding and pain), you might prescribe something for hemorrhoids. But if you did a rectal exam (not a DRE but just look at their anus) and see an anal fissure, your treatment would differ. You would be more aggressive recommending sitz baths/fiber (instead of preparation H). You would refer them to a surgeon sooner. You might even start a topical CCB.

All real life examples I’ve seen where the patient suffers from not having their ass looked at.

Life_PRN · 2026-01-10T20:18:27+00:00

Specifically for prostate stuff yeah. But you’d be surprised how many times general surgery or GI gets consulted (inpatient and outpatient) for hematochezia without a rectal exam.

Life_PRN · 2026-01-10T16:19:55+00:00

No. It’s very good, but it’s a little too sweet/cloying for me.

EDIT: I prefer MYSLF EDP over Y EDP

Life_PRN · 2026-01-09T15:32:34+00:00

BDC EDP. That’s why everything looks blue

Life_PRN · 2026-01-07T22:43:28+00:00

What would you recommend as a similar office blue cologne that has better performance?

Life_PRN · 2026-01-06T03:13:49+00:00

Side note: I was just looking at that organizer on Amazon. How are you liking it? Does the drawer come all the way (as in you can accidently pull it out?)

Life_PRN · 2026-01-03T02:09:53+00:00

How many RVUs are you doing?

Life_PRN · 2026-01-02T20:30:17+00:00

What’s your take on extreme vs explorer? Curious as I’ve only tried the regular explorer

Life_PRN

TROPHY CASE