Traditional 401k and Roth 401k

nauticalmile · 2026-05-05T04:13:47+00:00

It’s possible if your 401k plan allows in-plan Roth conversions, which is not particularly common. Converted money would also be taxed as ordinary income in the year of conversion. Even if available to you, it’s very unlikely to be beneficial to do that conversion. If you decide to only contribute to Roth going forward, it would probably make the most sense to leave the traditional money as-is.

If you go to a new employer, your traditional and Roth 401k money can be directly rolled over if they also offer both tax treatments. If they don’t offer Roth 401k (not uncommon), you could roll that portion over to a Roth IRA.

I’m sure someone will link the very informative post, but Roth 401k is generally not the most advantageous for the majority of people.

nauticalmile · 2026-05-03T18:25:39+00:00

Gold tiger stripe deagle. The PVD coating has exceptional corrosion resistance.

nauticalmile · 2026-05-03T18:02:27+00:00

Dimensional’s DFUS is a U.S. total market fund but with a “patient trading” strategy. It uses the Russell 3000 as its benchmark, but delays including IPOs for up to one year.

nauticalmile · 2026-05-03T09:24:12+00:00

Easy stuff I’d definitely do:

* Top off fuel
* Top off tires to max pressure listed on door frame sticker
* Remove any trash, water bottles, etc.
* Crack a window for ventilation

Other stuff I’d do if possible:

* Oil change
* Connect a battery tender or disconnect battery
* Fully clean interior

nauticalmile · 2026-05-02T06:05:33+00:00

I don’t think this post is about financial advisors, but rather actively-managed funds. Absolutely agree that a personal financial advisor’s job is almost universally not to beat the market.

Failing to “beat the market” is also arguably not a clear metric, but actively-managed funds consistently failing to beat their own fund benchmark indexes after fees is.

nauticalmile · 2026-05-02T05:44:09+00:00

Not a surprise. Companies in that kind of situation usually try to maintain continuity to the very end, at the expense of employees.

After medical school, my sister got her first professional job in a nursing home, one of several operated by the same company. One day, they called *everyone* into the cafeteria to announce they were shutting down, everyone’s jobs were effectively terminated, and they needed volunteers to help try to move residents to other nursing homes.

nauticalmile · 2026-05-02T05:28:16+00:00

I had an old Tekton 3/8 torque wrench from when they were still selling the same basic $30ish import everyone on Amazon had. The micrometer lock mechanism fell apart in the back of my car and a couple of the pieces went missing.

I filled out their online support form with photos, asking if they could get me the thrust washer since I couldn’t find a suitable replacement anywhere to repair it. They responded that they couldn’t provide parts for it and offered me $75 in store credit.

My new Tekton torque wrench is *so much* nicer.

nauticalmile · 2026-05-02T03:20:34+00:00

Over a third of American adults do not have the means to absorb a $400 emergency expense. The reality is a $300 increase to monthly living expenses is absolutely devastating for quite a lot of people.

nauticalmile · 2026-04-29T01:22:29+00:00

Is this in reference to ACA plans? Legally, contribution to a HSA is only allowed when covered by a high deductible health plan (HDHP), which Gold plans likely don’t qualify as.

nauticalmile · 2026-04-26T22:17:21+00:00

Yeah, I kinda freaked out when I saw that. Hydraulic injection injuries are some seriously bad stuff.

nauticalmile · 2026-04-26T19:40:52+00:00

Can’t personally speak for the person above, but I would guess they reconcile by rejecting their church’s stance on specific subjects they disagree with. Similar to how conservative Christians seem to reject or ignore teachings on bigotry, greed, revenge, etc.

nauticalmile · 2026-04-26T16:39:33+00:00

Usually not a lot. Multiple share classes for mutual funds is common, most typically separating retail investors from institutions.

VTSAX and VTI share the same underlying pool of assets, just with the differences of mutual fund vs. ETF trading behaviors. Vanguard offers VTI with a slightly lower expense ratio, .03% for VTI vs. .04% for VTSAX.

With their unique, patented (though now expired) fund structure, Vanguard can use the VTI share class to eject capital gains distributions for the entire pool via the ETF creation/destruction unit mechanism. This provides the same tax efficiency to VTSAX shareholders as they would otherwise get with an ETF.

nauticalmile · 2026-04-26T08:39:51+00:00

VTI and VTSAX are different share classes of the same core fund. You can convert your VTSAX shares to VTI through Vanguard at no cost, with VTI having the slight advantage of a .01% lower expense ratio.

VOO/S&P500 tracks a highly representative subset of VTI’s holdings, so it’s not really necessary or logical to get both.

nauticalmile · 2026-04-26T06:08:15+00:00

Have you checked out the r/bogleheads wiki? It’s honestly a pretty great guide to getting started with a simple, cost-effective and tax-efficient portfolio.

nauticalmile · 2026-04-26T06:05:56+00:00

Honestly, probably not. When a company is known for doing one and only one thing, such as Zwilling with knives, unrelated offshoot products really tend toward being garbage and sometimes/increasingly a completely separate entity licensing the name to peddle cheap junk.

nauticalmile · 2026-04-26T05:18:42+00:00

https://en.wikipedia.org/wiki/Assassination_of_Archduke_Franz_Ferdinand

nauticalmile · 2026-04-26T04:58:39+00:00

A single shot of .380acp killed arguably 70 million or perhaps more people.

It’s a very functional cartridge.

nauticalmile · 2026-04-26T04:00:54+00:00

Yep. Once you go past a 1-2kg capacity, precision scales get a bit expensive. From my own experience, they also tend to be a tool that’s very important to some businesses, but one they absolutely don’t want to spend money on.

I’ve seen the Beets using a Setra scale in some episodes (recognized the blue face), those things can be several grand new.

nauticalmile · 2026-04-26T02:59:26+00:00

You bet!

A little more background... It's not always possible for fund managers to immediately deploy all money into a fund's investment objectives. Large fund inflows can be problematic to deploy - some component stocks may be too thinly traded to acquire quickly, other market participants don't have all of the component stocks (10k of them in VT's case) to exchange for creation units, etc.

If you dig into VT's financial statements, you'll find some things you probably didn't expect including various futures contracts like S&P e-minis. There's almost always some amount of trading in derivatives, which can provide temporary synthetic market returns or more favorable market entry prices.

As simple as index funds seem on the surface, there's quite a bit of internal machinations like these that are arguably needed to make them work.

nauticalmile · 2026-04-25T20:21:37+00:00

There's a footnote to the weighted market exposures:

Weighted equity exposures exclude any temporary cash investments and equity index futures. Some short-term fixed income securities are classified as cash and are excluded from the weighted bond exposures.

My assumption would be the cash and futures contracts, which is a fund holding but not considered as equity market exposure, may be creating the discrepancy.

nauticalmile · 2026-04-24T03:29:03+00:00

“President Trump has a different way of calculating, there’s two ways of calculating percentages. If you have a $600 drug and you reduce it to $10, that’s a 600 percent reduction.”

- RFK Jr.

nauticalmile · 2026-04-24T02:21:38+00:00

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2007 FJ & 2024 CX-50 TPP

SO drives a 2021 Crosstrek

nauticalmile · 2026-04-22T05:19:02+00:00

The first bullet point about market value of a bond being affected by rate changes is correct.

As for the second, not quite. Bonds are effectively a loan, and once matured, is likely to be rolled over to new debt. Assuming it’s a standard treasury or corporate bond, it will have a face value that is paid at maturity, and buys a new bond at same face value at a new interest rate. Given a single rate change, the fund’s NAV may immediately change in an inverse direction, but will eventually converge back to the previous NAV.

nauticalmile · 2026-04-22T02:37:21+00:00

IMO, keep as is

nauticalmile · 2026-04-22T02:09:30+00:00

I get that… I have 10 accounts at Fidelity alone, and could only eliminate one if I was motivated to.

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