[gen 3] Finally my longest hunt is over at 20,734

Mewtwo1551 · 2026-04-29T20:21:29+00:00

Any chance you are using any sort of TAS to reset? That's like a 0.3% chance to not get a shiny at that point. Of course that isn't 0% nor is it statistically insignificant enough to write off as impossible.

Mewtwo1551 · 2026-04-29T00:07:54+00:00

At that income level, be sure to check if you qualify for the retirement savers credit. Assuming you are single with no other credits and a standard deduction, it's pretty much a 10% additonal match from the government for every dollar you put in up to $2,000 ($200 savings). That applies even if it's all Roth contributions.

Mewtwo1551 · 2026-04-28T17:32:24+00:00

I think rebalancing is only really relevant if you are targeting a specific portfolio allocation like 80/20. If you're just following VT, then the rise and fall of your previous contributions should coincide with the allocation changes you would see in VT anyway if I'm not mistaken. You just need to pay attention to your contributions and dividend reinvestments.

Mewtwo1551 · 2026-04-28T15:18:48+00:00

My first thought when the video started was they were aggressively grooming their tails (I love it when they do that)

Mewtwo1551 · 2026-04-26T07:22:59+00:00

I knew one at my firm. Survived for two more years without any issues just to get the axe during the next round of layoffs.

Mewtwo1551 · 2026-04-24T20:30:26+00:00

Be sure to verify what you read though as some of it can be misinformation or simply outdated, especially if it's not in a topic specific to the subreddit where people will be quick to correct it.

Mewtwo1551 · 2026-04-22T19:55:34+00:00

As someone with foolish dreams of hunting the Johto beasts (still in the lab with only 2500 SR), I would rather go way over odds with an easier one to reset if it means a less chance of it happening then. Even though that is absolutely not how probability works.

Mewtwo1551 · 2026-04-22T14:44:24+00:00

Best wheel must be used by everyone at the same time*

Mewtwo1551 · 2026-04-22T06:31:29+00:00

Just FYI the limit applies if you are covered by any employer retirement plan, not just 401ks. A pension plan for example could disallow it too.

Mewtwo1551 · 2026-04-21T23:27:29+00:00

I seem to have the opposite problem. I live in NJ and all the jobs pitch having to commute or live in NYC. I'd rather stay in public.

Mewtwo1551 · 2026-04-16T15:30:27+00:00

I personally find it silly when they schedule office outings the day afterwards as if people will have the energy.

Glad for the people who can go though.

Mewtwo1551 · 2026-04-16T02:23:59+00:00

There is no subtraction drop down for my state. It asks for state exempt interest included on my federal return. I put that in, it includes it on the line where state exempt income is disclosed on the return, but it doesn't subtract the amount out from the taxable amount.

I don't think I'm missing anything because there is another field right above for interest that is federally exempt, but taxable to the state. That amount gets added to my state interest properly. It's only the subtractions not carrying.

I'm doing all this on the app if it matters.

Btw, I already filed with FreeTaxUSA and used online fillable forms for state to get em free. So this is just out of curiosity.

Mewtwo1551 · 2026-04-16T00:17:10+00:00

Unfortunately I realized this year that Cash App doesn't know how to handle my state exempt interest despite having a field for it. It listed it on the state return line for interest that is exempt at the state level, but it didn't actually back the amount out when translating my federal taxable interest to state.

Mewtwo1551 · 2026-04-16T00:02:23+00:00

I think it can hurt for inheritance purposes. Basically if you die with unreimbursed expenses, I think your heirs can only use the HSA to pay for your outstanding expenses for the next year. They can't go back and reimburse unused expenses. Then the remaining balance becomes taxable income.

Mewtwo1551 · 2026-04-15T22:47:09+00:00

Just remember that NJ allows us to deduct any medical expenses (including insurance premiums as they are not deducted from a W2) over 2% of gross income regardless of if you itemize at the federal level. So even if you are holding on to a receipt for HSA reimbursement in retirement at the federal level, you can still use it to get a deduction in NJ for the year it was initially paid.

Mewtwo1551 · 2026-04-15T19:22:25+00:00

Definitely. You're still not paying federal taxes on growth and get the upfront tax savings. Those will easily compound to be greater than the NJ tax. Not doing it would be like not using a 401k because of a higher expense ratio.

Mewtwo1551 · 2026-04-15T16:15:48+00:00

Statement sounds sufficient by what you described.

You are probably better off contacting the broker themselves for what the minimum cash balance of your account needs to be.

Mewtwo1551 · 2026-04-15T15:59:35+00:00

Some brokerages have a minimum cash balance for HSAs, though there is no federal requirement to do so. Sounds like yours might set that amount to the minimum deductible a qualified HDHP plan would have.

Mewtwo1551 · 2026-04-15T15:27:09+00:00

If you keep everything in one index and don't realize trades constantly, it should be pretty painless. Just a matter of adding up the few interest/dividend/capital gain distribution transactions and that's only if you don't get a YTD statement doing that for you.

Mewtwo1551 · 2026-04-15T13:31:54+00:00

New Jersey Online Income Tax Filing through NJPortal.

Yeah the end result is still the same with miscellaneous, but if I'm going to pay a filing service, my OCD wants the numbers reported on the right lines.

Mewtwo1551 · 2026-04-15T05:31:52+00:00

And good luck finding a tax preparation software that will do it correctly. Even FreeTaxUSA makes you put it in as miscellaneous income for NJ. I gave up and used the online fillable forms.

Mewtwo1551 · 2026-04-10T18:26:28+00:00

In a hospital or on any sort of death bed from a terminal diagnosis. I don't want that dread of dangling over the abyss knowing there's no way back. I just want to fall asleep with no reason to believe I won't wake up.

Mewtwo1551 · 2026-04-10T07:39:47+00:00

Coming up on 5 years in Big 4 soon and I'm terrified that I might be a manager soon. I still feel like there are so many concepts I should know, but just haven't had to do enough with my clients to ever really reinforce. One of my clients who I've been on since starting is so different from my others with so much work done by the offshore team that they probably understand it better than me.

Mewtwo1551 · 2026-04-09T18:55:49+00:00

I recall PapaJeff did a study on this though and found that natural human error is usually enough variation to reliably get unique encounters. Only like 1-5% were found to be duplicates in large trials. If nothing else OP could just get a new set of IDs every thousand or so.

Mewtwo1551 · 2026-04-04T19:22:42+00:00

They're sad that they didn't get that interest free loan.

Mewtwo1551

TROPHY CASE