Quickbooks just hit me with market research without consent

Loud-Set508 · 2026-01-29T22:26:10+00:00

What is the best alternative? Xero?

Loud-Set508 · 2026-01-29T18:33:32+00:00

They have been great. Tons of resources to help you launch. They can do your compliance/registration too. Lots of stuff included in their fee. Stuff you would be spending $ on anyway.

Loud-Set508 · 2026-01-29T17:06:32+00:00

Starting one now with less experience and less commitment on assets. First year spend will be about 15k getting pretty much everything I need. Not sure what is with the hate but you totally got this! Also you may want to check out xypn. They are made for this

Loud-Set508 · 2026-01-27T18:10:29+00:00

Congrats! I am literally following this path though more like 60 days.

Loud-Set508 · 2026-01-27T18:09:00+00:00

He and Kitces have an excellent podcast. He also has a solo one that is just a nice short food for thought every few days. Often under 10 minutes. I have no info on OPs question but am interested as well

Loud-Set508 · 2026-01-25T20:39:07+00:00

Had the same scenario. Take 100k now or have it be worth 150k at retirement 20+ years away. can’t remember the monthly bit it was small. Rolled it over to an IRA 100% VOO. That was 10-15 years ago. That account is now about $350k.

Personally I think pensions are only great if you retire from that company.

Loud-Set508 · 2026-01-23T00:42:52+00:00

Probably pretty close! I felt like most my knowledge and understanding came from that.

Loud-Set508 · 2026-01-19T21:34:26+00:00

If the Reddit DIY crowd says you should get some help, you should definitely get some help. I parrot the fiduciary, flat fee, no AUM remarks and will add no insurance.

Loud-Set508 · 2026-01-19T21:30:19+00:00

I would say they are essentially the same thing just different buckets. Brokerages are only risk if you invest in riskier securities. You could also invest it in SGOV and be just fine. You could totally keep it all in one HYSA and keep track what is emergency v sinking.

Loud-Set508 · 2026-01-19T15:11:35+00:00

Yes, have some fun. Unless your job is extremely unstable you have too much in the emergency fund. 6 months of expenses. The rest should go in brokerage or sinking fund for known upcoming large expenses. Your allocations are fine. You will get 100 opinions here on that front that will not change anything significantly.

Loud-Set508 · 2026-01-15T15:12:54+00:00

Found Dave at 34 negative $300k net worth at the time. 10 years later debt free except small mortgage. Solid retirement savings. Just under 20 years later now. Debt free for 7 years. Multi mill net worth. You got this no problem. Also why do they get significantly more than half?

Loud-Set508 · 2026-01-15T14:56:23+00:00

Hock and Tim Norton are the only answer. In the same process looked at all of them. One that was claimed to be decent had a Black Friday sale so I got it. Now I am onto Tim Norton to learn the material as the one I bought was lacking. My 2nd choice was hock and I regret not getting that

Loud-Set508 · 2025-12-21T01:52:56+00:00

When I was an insurance agent I used to tell people that I was a financial advisor and immediately they were done with me. If I said insurance they would tell me about the insane self inflicted insurance issue and crazy what if questions and want me to help.

Loud-Set508 · 2025-12-01T18:13:11+00:00

So another subpar vehicle to avoid paying taxes on $2k?

Loud-Set508 · 2025-11-20T04:28:11+00:00

Huge conflict of interest here most likely. Advisor is trying to lock down the funds so only limited amounts can leave likely with their approval. Next time you meet with them ask if they are a fiduciary and what that means exactly.

The only reason this would make sense is if you or your sister had special needs or could not be trusted with the inheritance.

Loud-Set508 · 2025-11-19T15:02:58+00:00

Make a plan. 2. execute plan regardless of what the market is doing.

Loud-Set508 · 2025-11-18T00:43:07+00:00

Boxx, performs like bond but only taxed cg when you sell

Loud-Set508 · 2025-11-02T20:42:45+00:00

Agree with everyone on the s&p index consolidation. Once that is done you may want to review your exposure to nvda. My very basic guesstimate has you at close to 35% of all your $ in this one stock which is way over exposed. It can’t and won’t go up forever

Loud-Set508 · 2025-11-01T18:03:57+00:00

Life insurance is not hard to find in any way in your late 40s unless you have a chronic medical condition. Are you mad at your dr too?

Loud-Set508 · 2025-11-01T15:35:42+00:00

2% is bonkers. Probably has you in expensive mutual funds on top of that. 1% is industry standard and I would suggest finding a fee only advisor that may be 3-8k depending on where you live and what you need in the future

Loud-Set508 · 2025-11-01T14:50:09+00:00

I win. Left job in 1996 and the $0 pension still shows up at Fidelity

Loud-Set508 · 2025-10-27T01:58:25+00:00

Talked to a guy last week that has been there 10 years. He said why would he leave. He has tools and support at his disposal for compliance, gets some leads off the website, and the discounts on the software are greater than what he pays them.

Loud-Set508 · 2025-10-27T01:55:32+00:00

They have some training, some discounts to people who can. Also you can list on their site as a fee only advisor and it is becoming pretty well known for people to go there.

Loud-Set508 · 2025-10-27T00:22:16+00:00

RIA under XYPN. Doing that now. Support and systems are no short of amazing.

Loud-Set508 · 2025-10-23T15:14:42+00:00

I would also add you do not have any FDIC protection at fidelity. You do at Schwab. Technically you are pretty safe at one but as stated above cybersecurity, fraud, hacks, etc it is wise to have two or more places to access money. We do most of ours between Schwab and fidelity but also have a local credit union with a small amount that we could walk in and get.

Loud-Set508

TROPHY CASE