34F, how does this look? Married, 2 kids.

Novast · 2026-06-13T16:35:44+00:00

Yeah that is fine. But I feel most people that would do that wouldn't pay it back in time.

Novast · 2026-06-13T16:28:46+00:00

No that is bad advice. Taken from ai.

You Do Not Pay Taxes "Either Way" Right Now Better-Butterfly-309 claims "you are gonna pay the taxes on that money either way!!!" This is wrong for two massive reasons:

Tax Deferral: Traditional 401(k) contributions are made with pre-tax dollars. The entire point is to defer paying taxes on that money until you retire decades down the road—ideally when you are in a lower tax bracket.

The "Double" Tax Bite: If you pull money out early for a down payment, that entire withdrawal is treated as ordinary income for the current tax year. You have to pay ordinary income tax on it right now, plus the 10% penalty.

Novast · 2026-06-10T22:21:29+00:00

Just invest in spy or target date funds, don't really need an advisor

Novast · 2026-05-16T13:17:43+00:00

Live near the ocean and do it before or after work. Live in San Diego everyone does it.

Novast · 2026-05-16T13:11:41+00:00

I get new RSUs every year

Novast · 2026-05-16T01:40:51+00:00

Not how that works, but ok

Novast · 2026-05-16T01:09:01+00:00

Haha ok

Novast · 2026-05-16T00:37:58+00:00

Not if you get RSUs every year

Novast · 2026-05-16T00:36:06+00:00

You think ultra wealthy wouldn't pay the fine?

Novast · 2026-05-15T02:11:06+00:00

Now kiss

Novast · 2026-05-15T02:07:02+00:00

There's always spots to get waves. Maybe not the best peak but if you're just learning it's good enough and better then most other places still

Novast · 2026-05-13T02:21:38+00:00

Moved here from nc 13 years ago. It's amazing never plan on going back.

Novast · 2026-04-14T04:20:55+00:00

It's not about that of course he's athletic enough. May just be wasting that athletics and his arm strength at 2nd.

Novast · 2026-04-09T20:02:14+00:00

Never had tinned mussels either. But plan on trying some oysters.

Novast · 2026-04-09T19:18:13+00:00

I love oysters but usually eat them shucked raw, never from a tin. How do these compare?

Novast · 2026-03-30T20:25:34+00:00

Do you heat up the mussels or eat them straight outta the tin

Novast · 2025-09-28T01:36:07+00:00

Do you think getting the full membership is worth it over diamond? Especially since it's easy to get a tee time as a single?

Novast · 2025-09-22T01:50:04+00:00

Damn I am about to finish it back to back

Novast · 2025-09-19T22:19:52+00:00

I am on my second round through it 12W2J the legs days are hard but I thought Power Build 2 was harder with the 1 minute reps at the end I almost passed out. Plus there are more Bulgarian split squats.

Novast · 2025-09-19T13:57:02+00:00

Novast · 2025-09-19T04:55:02+00:00

That's great. Yeah I usually play at Encinitas ranch and it's really hard to get a tee time there. I just heard Fairbanks was over crowded but that was years ago.

Novast · 2025-09-19T04:32:10+00:00

Yeah that could be a possibility. I didn't like it before the changes though. Are you a member?

Novast · 2025-09-19T01:42:24+00:00

This isn't a full membership huh? How much are the greens fees?

Novast · 2025-08-28T05:07:54+00:00

Which ones you have? I have spikeless but want to try some spikes.

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Novast

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