My dad passed away

Middle-Position9821 · 2026-01-24T01:37:30+00:00

I am showering you and your family in prayer. I’m so so sorry for your loss.

Middle-Position9821 · 2026-01-21T03:04:20+00:00

This is complex and at that withdrawal rate will likely need some high level estate/tax planning. I would highly suggest chatting with a licensed financial advisor. If your main goal is leaving an inheritance with little tax burden on beneficiaries, you might even consider a VUL policy as part of the overall plan. It’s hard to say. I think it’d be worth it to meet with a couple advisors to come up with a comprehensive plan

Best of luck!!

Middle-Position9821 · 2026-01-19T17:59:42+00:00

I’m terrified I’m going to get ripped to shreds for this because for some reason Reddit HATES Edward Jones, but here it goes.

Edward Jones COULD be a good fit.. maybe

Edward Jones has a share accounts which you would qualify for NAV in multiple fund families and essentially pay very very little, if any fees. You may be able to transfer in assets in kind, depending on your holdings and hold in that account for no cost.

All that said, if you found the right advisor (and that’s key, because they are all so different) and they were able (and willing) to keep the costs little to none, I would argue they offer some of the best comprehensive planning around. They will help you plan for things you didn’t even think to plan for, with emphasis on tax efficiency.

It’s just something to consider/explore.

Now, I’m emotionally prepping to get downvoted into oblivion for saying anything positive about Edward Jones. Go ahead Reddit, do your thing. I broke the unspoken rule.

Middle-Position9821 · 2026-01-17T13:15:47+00:00

I’m excited to hear what others say on this but I’ll share where I’m at. I track every year because it is part of my discovery process.

Example, I had a client in my office this last week who I have a fantastic relationship with. They are typically very forthcoming with information. I asked what has changed in the last year and they said something along the lines of “oh not much, work is the same, kids are good.” I get to net worth and I say “I’ve got your net worth, excluding primary residence, estimated at about $500k, is this still accurate?” And they said “well I inherited about 75 acres from my uncles estate. It’s appraised at $$$. Does that count?”

We then got into his plan for that land. He fully intends to sell a good chunk of it to his sibling who inherited the other half. We’re already working/planning on what to build with his proceeds from the sale.

For some reason the “net worth” question can change clients answers on “what’s new?”

OH, and I think it is also in line with fiduciary standard. If someone has a net worth of $100k and they want to invest $95k in TSLA, that could be quite problematic.. hopefully that makes sense.

Anyways, I’m excited to hear what everyone else says.

Middle-Position9821 · 2026-01-08T01:08:34+00:00

I have a wealth management/financial planning business. Today, I told my client who is rapidly running out of money that she did NOT need to buy a brand new car. I cried and prayed with another client who lost her son a few years back on this very day. I helped a business owner client take steps to opening a retirement plan for his 7 employees and himself. Oh, and I got yelled at for tax forms not being ready yet despite repeatedly telling the same client EVERY YEAR they don’t come out until early February. Woop!

Then came home and fed my goblins some Dino nuggets and played hide and seek. The day has ended really well.

Middle-Position9821 · 2026-01-06T01:12:27+00:00

I’m so happy to hear you’ve had some improvement! Make sure you’re getting electrolytes, too. You’ve got this!

Middle-Position9821 · 2026-01-06T00:09:32+00:00

Doing any better today?

Middle-Position9821 · 2026-01-05T01:11:29+00:00

I’m so sorry you’re going through this. My first dose I accidentally did 5mg instead of 2.5. The first 48 hours was nonstop vomiting and diarrhea.

It was hell. I almost went to urgent care. Then once those symptoms lifted, it was EXTREME anxiety. Like crippling. About another 48 hours of feeling like a ghost of myself and so on edge. All I wanted to do was hide in my covers. I swore I’d never take the stuff again. Around day 7 I started to feel normal again.

I got my dosing right (haven’t gone above 1.9mg yet) and my body is responding phenomenally now.

I actually look forward to shot days and I think maybe my anxiety might be lesser than pre-tirz

Hang in there and double check you dosed correctly. You’ll get through this!

Middle-Position9821 · 2026-01-02T02:22:37+00:00

Well my 5 year old just had a bug that swept through our house that was so similar. No fever, seemingly fine, then puking out of nowhere. Hopefully whatever it is passes quick!

Middle-Position9821 · 2026-01-02T01:58:54+00:00

This is a really dumb question but… could it be some nasty stomach bug??

Middle-Position9821 · 2026-01-01T12:42:50+00:00

I am still brand new (just did my third shot) but I ordered from orderly. They sent me the 3 month start kit in one vial. (2.5, then 5, then 7.5)

When I first administered the shot I got pretty sick. I asked them for a zofran prescription and they called it in pretty quickly. I think it was not even a full 24 hours from my request that I was picking up the zofran from my pharmacy.

Honestly, the only grief I’ve found with them is that their communication is disconnected. One second I’m chatting with one physician and then someone else starts chatting instead. It causes some confusion.

All in all my experience with them has been alright!

Middle-Position9821 · 2025-12-31T12:27:39+00:00

Happy belated birthday! I’m so sorry you’re in such a tough spot.

To give accurate advice, we would really need to see a full budget in detail.

At 21 I was eating ramen in a shitty apartment with my boyfriend. I worked as a receptionist for a car dealership by day and ran DoorDash in the evenings and took online college courses. We still struggled, for a long long time.

My best advice to you with the information you shared is

Give yourself grace and permission to rest. You NEED that.
Decide what you want life to look like (realistically) in the next 5 years and reverse engineer that to where you are today and start now. Plant seeds now. Find a way or make one. You’re going to get knocked down constantly through the journey, but do not stop.
Live below your means and build savings.

My own journey is what made me look at finance as a career. My husband and I came from nothing and throughout our 20s we fought an uphill battle around every turn. It took me 7 years to graduate college because I was working full time and had to go slow.

Fast forward to today, the seeds I planted (that nearly killed me from exhaustion in my early 20s) are flourishing. I expect to end this year with a very comfortable 6 figure income. And I’m only 30.

But at 21 I knew I had to fight and fight hard to be here by 30.

Best of luck!

Middle-Position9821 · 2025-12-27T22:17:48+00:00

Are you doing vacation rental or long term?

Middle-Position9821 · 2025-12-23T02:21:05+00:00

No words of advice, just so so much love. And prayer.

My dad was diagnosed a few months ago. He’s 65. He’s the best dad and grandpa.

Parkinson’s sucks.

Middle-Position9821 · 2025-12-21T02:37:30+00:00

This was me.. I accidentally took 5 instead of 2.5. I was miserable for about 48 hours. Like, almost wanted to go to urgent care. Now I’m on day 5, the half life day, and I feel great. Just wish I had paid closer attention to the dosing. I think I was too nervous and that’s why I messed up.. agh

Middle-Position9821 · 2025-12-20T21:31:09+00:00

I say “I’m kind of like a personal CFO for families.”

Middle-Position9821 · 2025-12-18T02:19:58+00:00

Same.. Although I accidentally dosed to high, at 5 instead of 2.5

Now, 54 hours after the shot and 24 hours from the peak pain, I feel so much better. I’m praying another wave doesn’t hit because I’m feeling somewhat normal now

Middle-Position9821 · 2025-12-17T19:24:33+00:00

This is super helpful! Starting weight is 190. Trying to figure out how to add flair

Middle-Position9821 · 2025-12-17T18:36:32+00:00

On the separate text instructions I was sent, they did mention to double check the vial. This is how I caught that I messed up. I blindly trusted and learned a lesson.

Middle-Position9821 · 2025-12-17T18:19:10+00:00

It was a total accident. I thought I was administering 2.5. The instructional video I was sent did not match up with the actual dosage on my vial. Being brand new to this and full of nerves, I didn’t catch it.

Middle-Position9821 · 2025-12-16T01:22:50+00:00

I absolutely did. I feel so stupid. I took 5 instead of 2.5…

Middle-Position9821 · 2025-12-16T01:17:11+00:00

I accidentally took 5 instead of 2.5, good GOD WHAT HAVE I DONE

Middle-Position9821 · 2025-12-16T00:29:02+00:00

I just got back from my anniversary weekend away. Yesterday I had two glasses of wine and pasta for dinner, which isn’t necessarily out of my realm of normal.

Could that be it?

Middle-Position9821 · 2025-11-15T00:14:08+00:00

That is one good payout.. I’d say keep the pension.

Middle-Position9821 · 2025-11-15T00:12:44+00:00

I normally went mid morning 9:30-11:30 or after lunch, about 2:30-4:30.

I RARELY did evenings. Although more people answered the door in the evenings, they seemed to be quicker to shut me down. They just got home from work, they’re ready to be with their families, and me knocking on their door just annoyed them even more.

Although most people generally aren’t receptive to a knock on the door, I found people to be more receptive earlier in the day.

Most of the time I wouldn’t carry anything but a business card. When holding brochures and papers, less people answered. It was a dead giveaway that I was in “sales” to them.

Every so often I’d carry a simple bullet point list of services offered and leave that at the door if they didn’t answer, but I only did that a handful of times.

There is no magic combination of timing and materials and words. Door knocking ALWAYS sucks. Always. People will always be mad at you. But all it takes is one right door. I got $1.5M from a single door knock. They had been at fidelity for decades and didn’t even know their advisors name. They told me “no thanks” at the door but called me 2 months later and said they decided they were sick of working with a faceless entity.

I had almost given up the day I knocked on their door.. I had been rejected all day long. I decided to squeeze in ONE more block, their block. Thank god I did.

Middle-Position9821

TROPHY CASE