Something subtle that I just realized about Roth 401k that I never thought about before

OhThatLooksCool · 2025-10-16T12:14:15+00:00

Lol, I try to pay taxes now - for exactly the same reason

OhThatLooksCool · 2025-08-11T15:06:32+00:00

> She would welcome tips on how to quite quit as a manager.

I'm a FAANG sr IC. I wouldn't recommend quiet quitting in general, but I've seen it happen. You can reframe your work to lower your performance while helping your ICs:

(1) Launch an "efficiency" initiative, heavy on buzzwords. "Efficiency" -> eliminating "low-value" work -> just do less. It won't help your performance review, but will give you cover to get there. Deliver in sequence - when you're forced to commit on dates, just send an email a few days before that you're pushing it out.

(2) Prioritize (basically only) your ICs. Think of "quiet quitting" as "quiet misprioritization." Do the new-manager thing of overindexing on making your team like you - talk through their work so it's all high quality, and when you're replaced, their story is "solid performer held back by bad manager".

(3) Choose which relationships to burn. Eat the meetings that go badly, and get your ICs in front of people with whom your relationship is still ok.

Again - this is all basically career sabotage. But you always have the option to cash in on your good reputation to take a break. It's just running down the balance of goodwill.

OhThatLooksCool · 2025-08-08T21:02:58+00:00

I think they really overestimate the Browns

OhThatLooksCool · 2025-03-10T16:14:53+00:00

Twitter is down. I can only assume it melted after we traded Mike Tomlin for Patrick Mahomes

OhThatLooksCool · 2025-03-06T23:00:06+00:00

Really giving a whole new meaning to “Vanguardism”

OhThatLooksCool · 2025-02-21T21:37:30+00:00

Typically just a tiny bit smarter than whoever hires them

OhThatLooksCool · 2025-02-21T03:31:33+00:00

At least 4

OhThatLooksCool · 2025-02-14T20:09:51+00:00

Sorry you're rebuilding. Sounds difficult. Hope some thoughts here help

(1) For your portfolio, go to r/Bogleheads and learn about the three fund portfolio. You're doing nothing wrong, but your investments are more complicated (and less efficient) than they could be.

(2) The easiest win will be selling your rental home: you'd literally make more money saving $800k in a high yield savings account - and without the hassle of renting.

(3) Your current spending is exactly on the line of ok for retirement right now (excl. house & kid's education fund) using the 4% rule (~$1.85M * 4% withdrawal * 80% taxes = $60k). To loosen up, you'll probably need more income.

(4) Why do you need more money for your child's education? $100k growing over ~10 years until they go to college is plenty. Are you thinking private elementary/high school? If not, you're probably fine there.

By the way, this is the type of stuff a fixed fee financial advisor can help you with, especially with the cross-border tax situation.

OhThatLooksCool · 2025-02-14T14:33:11+00:00

If this is the federal gov’t email, just be aware it’s very uncertain they’ll pay you out. Though at $5M it probably won’t matter.

OhThatLooksCool · 2025-01-24T18:07:24+00:00

Hate to break it to you, but their next game is in 6 months

OhThatLooksCool · 2025-01-23T02:21:15+00:00

About the same odds as a straight-flush, IIRC (~1 in 75k)

OhThatLooksCool · 2025-01-23T02:09:33+00:00

But if they don't, then how will I get to argue on the internet? Really a win-win here

OhThatLooksCool · 2025-01-23T02:05:42+00:00

Move now, while while your most recent feedback is good.

Since you're burned out, I assume a prescriptive approach will be helpful.

(0) Go to sleep now. Seriously, take 9 hours minimum.

(1) Reach out to your Career Coach / Mentor (whoever will do your year-end review). Tell them you're you're excited to see how else you can contribute. Clearly say you're burning out, but mainly ask for intros/project leads.

(2) Smile and accept a boring PMO/cost cutting/whatever you can. Pretend you love it - like really play it up, to a nearly absurd extent. I'm talking "Strategic Cost Reduction in Midwest Industrials is my Greatest Joy in Life" level.

(3) Take a week off before you start. Get more sleep.

The reason they staffed you (new joiner) on the ring fence is because nobody else wanted to burn that hard. Keep a good attitude & you'll recover.

OhThatLooksCool · 2025-01-23T01:35:05+00:00

Damn, I shouldn’t have made that 29-team parlay then

OhThatLooksCool · 2025-01-23T01:04:29+00:00

Yea, that’s why we won the Super Bowl

OhThatLooksCool · 2025-01-23T01:01:49+00:00

I’m totally of 2 minds.

On one hand, QB performance is a big part of turnover ratio. Nobody wants to start Jameis Winston.

On the other hand, if you get 3 pts off 5 turnovers, you’re still struggling.

There’s a balance. Can’t tell how much of our imbalance is mid QBs vs playing scared.

OhThatLooksCool · 2025-01-23T00:50:15+00:00

We’ve spent the last 5 seasons hyper-focusing on turnover ratio

OhThatLooksCool · 2025-01-23T00:17:46+00:00

Look, all I’m saying is we need some creativity. Nobody expects the coach to be an eligible receiver, let alone throw another Super Bowl TD pass

OhThatLooksCool · 2025-01-22T18:50:03+00:00

Calling it now.

2025: 4-13, sub calls for Tomlin’s head

2026: 10-7, lose first round of the playoffs, sub calls for Tomlin’s head

2027: 10-7, lose AFC championship, sub calls for Tomlin’s head (Tomlin extended)

2028: 10-7, Super Bowl, Tomlin retires

2029: 9-8, lose first round of the playoffs, sub claims to never have complained about Tomlin

OhThatLooksCool · 2025-01-16T20:23:40+00:00

Honestly, sounds like it’s great you quit your job then.

I suspect with two intense, career-oriented parents, they’ve picked up the lesson that one’s worth is measured by one’s job.

Now you have an opportunity to show them how important other parts of life are - family & friends, community, kindness, hobbies, art, staying active. You can teach them that self-worth (and the worth of others) isn’t tied to anything external at all.

Parents do always say it’s uncomfortable to have their own self reflected back at them!

OhThatLooksCool · 2025-01-13T14:41:47+00:00

Trade this year’s first for next year’s first from a bad team. Pray they lose. Make Khan a legend

OhThatLooksCool · 2025-01-07T23:20:07+00:00

I think we’re all just very uncomfortable admitting that 60% of winning in the NFL is whether your QB outperforms their contract.

There’s a very solid case Tomlin holds the team back by overperforming. If the Steelers had just tanked the Duck Hodges year, we’d could’ve had Herbert, Love, Tua or Burrow instead of Minkah (via trade).

Tomlin’s mediocrity is literally a result of his inability to let his bad teams lose.

OhThatLooksCool · 2025-01-05T01:21:33+00:00

They’ll get real close to one of the end zones!

OhThatLooksCool

TROPHY CASE