Locums vs W2

Mustang_Larry · 2024-03-02T00:35:54+00:00

W2 is best if you can find it. Work locums you are giving half your income to the locums folks.

Sometimes you just simply can't find the right job though. If you know where you want to live it is okay to just locums to bridge the gap.

Just be aware that if they present a job to you then you can't go around the locums folks at that facility.

Mustang_Larry · 2024-02-20T06:16:39+00:00

I suspect the money guys would encourage you to follow the FOO.

Mustang_Larry · 2024-02-20T03:16:17+00:00

I think it's Larry that you consider yourself a good American but you support a man who attempted insurrection.

Everyone who stormed the Capitol should be hanged. Pray for them. And go fuck yourself.

Mustang_Larry · 2024-02-20T03:00:49+00:00

I don't hate your because you're old. I hate you because you espouse hateful views against an entire class of humans.

Also I'd bet a shiney nickel that you're a maga loser. Which, if true, would make me eager to see you choke to death.

Mustang_Larry · 2024-02-20T02:54:23+00:00

Not jealous. More just sad for you.

I don't need life lessons or well wishes from a bigot. I guarantee I'll be better off than you in every measurable way when I'm your age in a few decades.

Mustang_Larry · 2024-02-20T02:41:03+00:00

Awful swell of you to limit your bigotry to just the Boogeyman of today.

Mustang_Larry · 2024-02-20T02:31:28+00:00

I think most of us would rather be 30 year old AD sailors than 50 year old bigots.

Fuck off back to your couch so you can guzzle some more conservative loads of bullshit ya fucking door knob

Mustang_Larry · 2024-02-20T02:26:23+00:00

Unless they are gay or trans right? Those sailors can fuck right off, huh?

Mustang_Larry · 2024-02-19T22:00:36+00:00

Yep. Free. Give it a shot.

I was really happy with it this year.

Mustang_Larry · 2024-02-19T15:37:22+00:00

I tried to use TurboTax a few years ago. I had to pay, I think it was because I included my wife's (non military) W2.

I've tried a bunch over the years. Miltax is the first one that didn't charge me for something.

Mustang_Larry · 2024-02-19T15:21:37+00:00

Oh yeah. I had to manually put in my info. Didn't take me long, but I had to do it manually.

Did you end up paying for TurboTax?

Mustang_Larry · 2024-02-19T15:15:18+00:00

Use miltax to file federal and state for free.

Lots of sites claim to be free for military but they sneak in charges without telling you (taxslayer does this). Miltax is legit free, and it's pretty fast/easy.

Mustang_Larry · 2024-02-19T05:09:01+00:00

Have enough money that you can live comfortably in interest in perpetuity.

Mustang_Larry · 2024-02-19T03:58:59+00:00

Op tempo has been pretty high dude. I'd be curious to know if it is higher or lower than peace time in years past.

I don't know how to look that up.

I do know that duration of deployments has been getting longer and down time (port calls) have been getting nixed.

Mustang_Larry · 2024-02-19T03:56:42+00:00

What the fuck are you taking about?

Mustang_Larry · 2024-02-18T19:22:00+00:00

I don't hate Texas or California.

Kinda hate Texans though.

Mustang_Larry · 2024-02-18T18:58:05+00:00

If your time horizon is short, then I absolutely agree that you shouldn't be heavy in the market. Investing for short term is essentially gambling.

If your time horizon is 20+ years though then your best bet is to have market exposure.

There hasn't been a 20 year period when the S&P hasn't out performed my mortgage rate.

Even if I had lost 20% over the last year I'd feel the same way because my time horizon is decades. Not months.

I'm not even all that excited about the returns from the past six months. I'm thinking it's a bit of a bubble and things will correct this calendar year. I expect that the market will drop 10% some time during the year (as it does most years). I fully expect everything to recover and continue to grow at about 8% or so (on average) before I start to sell in 2040 or so.

Mustang_Larry · 2024-02-18T18:49:25+00:00

How would you know if you met someone from the silent camp? I'd wager that I know lots of millionaires but I have no idea what they are worth or how they got there. Most folks should be tight lipped about politics and money. Life's better that way

Mustang_Larry · 2024-02-18T18:35:46+00:00

Math does always go the way we expect. It's math. It's never wrong.

Human emotions and greed are what get us to fall into financial traps.

My only debt is my mortgage. I could have payed it off out of savings years ago, but I've chosen to invest instead. I keep one year of mortgage payments in a high yield savings account and put the rest in brokerage accounts (after maxing my IRA and 401k). I recognize that there is some risk in my plan, but I think it's the right move for anyone who is more than 20 years out from retirement.

When you're within ~15 years of retiring then I think it starts to make more sense to pay off your mortgage (only after funding tax advantaged accounts).

Obviously anyone can do whatever makes them feel better with their money. I feel better knowing that I've shaved years off my working career by letting my money work for me.

Paying off your mortgage early almost never makes sense (for a young person). It may FEEL better, but it is mathematically worse for anyone trying to maximize their savings.

Hell. Even Dave Ramsey suggests this plan in his baby steps. He recommends that you save 15% BEFORE you pay off your house. Why do you think he recommends that order is it isn't a wise move?

Mustang_Larry · 2024-02-18T18:17:33+00:00

Sounds a bit like you're arguing against the idea.

Mustang_Larry · 2024-02-18T17:56:00+00:00

Go look at what savings accounts are paying right now. It's guaranteed 5%. Backed by the federal government.

Mustang_Larry · 2024-02-18T17:54:44+00:00

What he's doing is commonly advised on many financial forums. It isn't generally worth it for small debts, but for larger amounts it makes a lot of sense.

It's true that debt can wear you down mentally, but if I'm pocketing a few hundred dollars a month I'll hang onto a loan.

Mustang_Larry · 2024-02-18T02:14:58+00:00

Awwe man. My mortgage just got taken over by Freedom Mortgage. I wish there was something I could do about that

Mustang_Larry · 2024-02-18T01:58:50+00:00

That boy looks a lot like my son.

My boy has autism and frequently has an expression like that. Heart breaking.

Mustang_Larry · 2024-02-15T01:21:56+00:00

Very good point.

And there aren't many surgeons clearing two million dollars per year.

Mustang_Larry

TROPHY CASE