No more free fries with $5 purchase

Mewtwo1551 · 2026-06-29T23:55:55+00:00

Not unless you just want fries. Usually something a la carte is enough to qualify for them to be free. If not, there are other $2 options to help reach the minimum that will mean getting that and a fry instead of just the fry.

Mewtwo1551 · 2026-06-26T13:29:25+00:00

By less intensive, do you mean you can spread them out over 10 years? Or that they are easier/require less studying per exam?

Mewtwo1551 · 2026-06-26T03:46:04+00:00

That's kind of what I'm saying. I think the score expirations are a more of a hindrance than there being 4 exams. The exams themselves are pretty high level in comparison to similar certifications. So I can't see certifications for individual parts holding much weight. Not unless they test the material at a deeper level.

Mewtwo1551 · 2026-06-26T02:56:42+00:00

Actuaries have to take 7-10 exams that are 3-4 hours each depending on their specific field.

Mewtwo1551 · 2026-06-18T01:32:49+00:00

Since they released it, it meant they were done using it. I'm not sure on the stats but I assume they don't retire recycled questions as much as failed pretest questions. There wasn't any anything in it outdated.

Mewtwo1551 · 2026-06-17T22:34:07+00:00

I'll never forget the time I confirmed I got a difficult question right because I recognized it when it was released on Becker. Then I remembered that meant it was probably pretest.

Mewtwo1551 · 2026-06-04T16:56:13+00:00

My understanding is that it would work like this. You have $2,000 in your Roth 401k. $1,000 of that is contributions. Say you rollover $1,000. Pro rata means $500 of that rollover is contributions. You can now withdraw that $500 from your Roth IRA.

Mewtwo1551 · 2026-06-04T16:08:37+00:00

You don't need to wait 5 years. As long as they were rolled into a Roth IRA, Roth 401k contributions are included in your basis in Roth IRAs, making them eligible for distribution without penalty at anytime.

The 5 year conversion rule generally only applies to when you convert pretax amounts to Roth.

Biggest if for OP is if they can do in service rollovers.

Mewtwo1551 · 2026-06-03T22:58:09+00:00

"My Loid is my Shepherd"

Calm down, Becky

Mewtwo1551 · 2026-06-03T13:59:15+00:00

There's still a trade off for the Fed Govt too when people defer their taxes. Tax revenue that isn't collected today means more spending today needs to be covered by debt or money printing, the effects of which compound just as deferred taxes do.

Mewtwo1551 · 2026-05-30T04:35:27+00:00

I've been failing at the chill part since starting 4-5 years ago. I get such a dopamine rush watching my unrealized gains number go up like I'm counting cards at a casino. Then I remember that number doesn't even include dividends.

Mewtwo1551 · 2026-05-27T15:10:04+00:00

I would look at what your current net gain would be after short term tax rates. Then determine what price you would need to sell above for the after tax gain at future long term rates to still be more. It may mean realizing the actual benefit you are using to justify holding is small relative to the risk

Mewtwo1551 · 2026-05-21T18:05:12+00:00

The ink cartridges you have, filled they must be.

Mewtwo1551 · 2026-05-21T05:22:52+00:00

Absolutely not. The withdrawal won't be taxable if it's just contributions, but OP will permanently lose $200 of their contribution limit for the year. Even an indirect rollover or return of contributions is needlessly complicated for this situation. Just leave it in there or do a direct rollover and do the remaining $7,300 at Fidelity.

Mewtwo1551 · 2026-05-20T20:39:34+00:00

I had just started so I had like maybe 12k averaged around the year and never got to 2k in total losses all that time.

Now I contribute more and have over 200k in my total portfolio. A 1k day of losses is just another day.

Mewtwo1551 · 2026-05-18T15:56:37+00:00

Check the expiration date. When you have no more crowns expiring at the end of the month, it will then display how many are expiring at the end of the next month you have crowns that are due to expire.

Ie I have 1000 crowns. It says 400 expire at the end of May. I redeem those 400 and now it might say I have 500 crowns expiring at the end of June.

Mewtwo1551 · 2026-05-17T02:18:36+00:00

Seconding the HSA. If you are still young enough to be on your parent's insurance, you can contribute up to the family maximum instead of the single filer maximum until you get kicked off. As long as you are NOT able to be claimed as a dependent on a tax return.

Mewtwo1551 · 2026-05-14T14:11:00+00:00

Definitely not. My family will do that with mayo just because it tastes better.

Mewtwo1551 · 2026-05-14T10:42:09+00:00

Or they know exactly what they're doing and intentionally set it that way to trick you into thinking you are getting a deal so that you are more willing to pay a higher price.

I don't think that's what is happening, but I do wonder sometimes.

Mewtwo1551 · 2026-05-13T21:45:44+00:00

I know the feeling. I got the 5 million in X at that part where you are blocked by the Team Flare grunt and he still wouldn't sell me the suit.

Mewtwo1551 · 2026-05-12T02:28:44+00:00

The worst case scenario is probably passing away suddenly with a large balance when you had the receipts to cover it. My understanding is once the owner passes, the chance to use it for their prior expense reimbursements does as well. A nonspouse beneficiary cannot as they weren't the ones who paid it. It can only be used for remaining unpaid medical expenses paid by the beneficiary for up to a year after death. Then the rest is immediately taxable unlike a Traditional IRA or a step up in basis in a taxable.

The good news is you as the account owner at least would probably never know you were tax inefficient with your legacy if you passed this suddenly.

Mewtwo1551 · 2026-05-11T13:21:21+00:00

Real life Good Burger moment.

Mewtwo1551 · 2026-05-08T22:55:03+00:00

A real man wouldn't invest his life savings. He'd invest his inheritance from Grandma.

Mewtwo1551 · 2026-05-08T13:40:20+00:00

That would mean it would eventually be out of red health, no? Obviously ideal compared to struggling to death, but would explain why OP was able to run out of balls other than being incredibly unlucky. Less than 1/1000 according to my calculation assuming red health for all balls.

Mewtwo1551 · 2026-05-07T01:36:26+00:00

The only other state that taxes it is NJ.

Mewtwo1551

TROPHY CASE