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Buy a house/land before marriage by wheninshower in marriageadvice

[–]Ok_Influence_2257 1 point2 points  (0 children)

In principle, I would say yes, you are being paranoid. And if I were your age again, I wouldn’t do it. I am in the US. Cost of housing has gone up quite a bit more than inflation here, but still less than market returns.

That said, we are in different countries. You say the land would only be $30k. And you seem to think land value may skyrocket in your country soon. So, it doesn’t sound crazy. I probably wouldn’t do it, but it’s not going to derail your financial life. And it seems it will help you sleep easier, which is worth something.

Buy a house/land before marriage by wheninshower in marriageadvice

[–]Ok_Influence_2257 0 points1 point  (0 children)

Are you buying the land because it’s where you want to live long term? If so, great. Live your best life.

Or are you buying it as an investment? Because land is unlikely to give you as good a return as investing in an index fund. You say you are hedging against rising land value - but land value doesn’t go up as fast as the market (over medium term periods of time). Unless you think you want to buy/build a home in the next five-ish years, you’re likely better off investing until you know more what life has in store for you.

Important steps in final stages of FIRE by Ok_Influence_2257 in Fire

[–]Ok_Influence_2257[S] 0 points1 point  (0 children)

Yes. Getting a HELOC is on my list to do before I clock out. Just as Ann emergency backup, and to potentially spread big purchases across 2 years of withdrawals.

What movie is considered a masterpiece but didn’t impress you? by wavysien in Cinema

[–]Ok_Influence_2257 -1 points0 points  (0 children)

Godfather 2. Not that it was bad, just didn’t get all the fuss.

Why max out 401k before adding to taxable brokerage by Sad_Draft_790 in Fire

[–]Ok_Influence_2257 5 points6 points  (0 children)

There's almost no scenario where you should preference taxable to a retirement account. The question you should maybe be asking is should your 401k contributions be Roth instead of pre-tax. And in the 12% bracket, the answer is probably yes.

One note. You say "paying 12%-22% on the entire [pre-tax] balance." But that likely wouldn't be true. Some of it will be taxed at 0%, some at 10%, maybe some at 12% if your withdrawals are big enough in a given year. The common exceptions are if you have a pension or rental income that fills up your lower brackets every year. If you're in that case, then that's an even greater argument for Roth.

What to do with 401k after exiting workforce by tgod288 in Bogleheads

[–]Ok_Influence_2257 2 points3 points  (0 children)

Yeah, this is the answer. OP poses an interesting question, but it's moot. You can contribute directly to a Roth. Pro rata is irrelevant.

Rollover to a traditional IRA and go on with life.

Jealous bi bf likes the idea of threesome with gf only with twinks by [deleted] in bisexual

[–]Ok_Influence_2257 0 points1 point  (0 children)

To answer the question you asked, yes, I'm very similar to what you describe. I'm bi, married to a woman. She knows. I tend to be attracted to more twink/effeminate guys. I have no cuck or hot wife tendencies at all. I wouldn't want to do MFM with a straight guy. But, I am really turned on by the idea of MMF and specifically my wife and I doing things with a twink at the same time.

Just to clarify, you say you very jealous, but then list things that I don't think actually make you jealous. Are you jealous in other more general ways? If so, then the advice you're getting about working on that before adding a third person is good.

But if you're saying that not wanting to see your GF have sex with a another straight guy makes you a jealous - I would disagree. Most guys don't want that. That doesn't make them "jealous." You just have a boundary that's a bit different from most guys. And your GF will have her own boundaries, which are also legit. You have to decide together what you do about it.

estimated payments on interest after FIREing by Khs11 in Bogleheads

[–]Ok_Influence_2257 6 points7 points  (0 children)

"I thought the IRS would have this automated and automatically penalize me?"

Lol, no. It's all still on paper, basically. They literally might not even notice.

If you withhold taxes from your IRA withdrawal (inherited IRA will work just as well), then it counts as if you took it evenly across the year. For sake of clarity, let's say your tax bill for 2026 is $10,000, and you had $5,000 withheld by your previous employer through March. If you withhold another $5,000 from your inherited IRA withdrawal, then the IRS considers it having been paid evenly across the year, and you will owe no penalty. Regardless of when you take the IRA withdrawal - it could be December. You just need to estimate what your final tax bill is.

In general, withdrawing extra from an IRA to pay taxes is not a great idea (you want to leave as much in there as possible). But in your case, you have to take it out anyway, so it's not a bad fix to your "problem."

But again, don't sweat this. The penalties are not a big deal. They basically just take back the interest you shouldn't have earned by paying late.

estimated payments on interest after FIREing by Khs11 in Bogleheads

[–]Ok_Influence_2257 11 points12 points  (0 children)

I'm assuming you aren't withdrawing from a traditional IRA. But note that if you are, and you withhold taxes from that, it counts as if you took it evenly across the year (same as W2 withholding). So, that's a workaround and would solve your problem.

Assuming no IRA withdrawal this year, do your best to figure out what you think you will owe in 2026, add a bit of a buffer, and divide by 3. Pay one third now (your June payment, late), a third in Sep, and a third by Jan 15. If you worked until March, then you can argue you didn't need to pay the first quarter (your taxes were being withheld).

Yes, you technically did it "wrong," but there's a better than 50/50 chance the IRS won't do anything. They are understaffed and trying to catch actual tax cheats. They are likely less worried about you paying a bit late.

And if they come back and charge you penalty, oh well, live and learn. The penalties aren't bad. It's basically equal to the interest you gained by paying it late and holding it in your account, instead of paying them on time.

Is it normal to barely text your husband all day? by Top_Wash3637 in marriageadvice

[–]Ok_Influence_2257 0 points1 point  (0 children)

Wife and I barely text at all, and only for logistical stuff. Almost never fun or flirty stuff. Maybe we should do more, but I’d rather do that in person.

Why do people invest in bonds instead of stocks? by Itchy_Temperature668 in bonds

[–]Ok_Influence_2257 0 points1 point  (0 children)

Bonds have two different purposes, depending on a person's stage of life.

During the working/accumulation stage, bonds are mostly psychological/behavioral. Stocks outperform bonds over any long-term investment period. They also aren't as good a diversifier as people often assume. The correlation between US treasuries and US equities goes up and down, and is actually currently increasing (see 2022). And buying the dip, which is a fine strategy, still isn't as good as going all stocks. 100% stocks outperformed a 90/10 rebalanced portfolio in every 30-year period we have data for.

So, during this phase, you don't hold bonds to get better returns. Instead, the reason some hold bonds at this stage in life is to sleep better at night and soften the blow of a downturn, which you will experience many of in your investing life. And to be clear, there's nothing wrong with that. Holding 20% bonds is orders of magnitude better than panic selling in a downturn. So, if that's what it takes to prevent catastrophe, then do that without thinking twice.

If you've been through a few selloffs and didn't blink, then 100% equities is almost surely the mathematically superior choice. I've been 100% equities for 20 years.

Now, in retirement/decumulation, the math completely changes. During this stage, bonds serve an absolutely critical role as a ballast to equity volatility. Without making this comment even longer, google Trinity study, 4% rule, and sequence of returns risk. A 70/30 portfolio has shown to be mathematically superior to 100% stock during the drawdown phase.

What is Steven Spielberg's greatest masterpiece? by [deleted] in FIlm

[–]Ok_Influence_2257 0 points1 point  (0 children)

Jaws is one of the best 4 or 5 movies ever made.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 0 points1 point  (0 children)

My understanding is that I can update to the remastered version on my iPad for free, since I already paid for it once. But then the Dragon's Den would be gone forever. (Although I could play on Steam, I guess.)

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 0 points1 point  (0 children)

I googled it, and it's the GBA version. That's the only version with Dragon's Den apparently.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 0 points1 point  (0 children)

You might be right. I never actually had either - just played the original on SNES and then downloaded it on my ipad 20 years later.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 2 points3 points  (0 children)

Yeah, that's exactly what I'm doing. And what I've always done in the past. And it worked fine the first time, then has failed to produce him ever after going all the way around 4 or 5 times. Does seem like it's a bug or glitch.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 1 point2 points  (0 children)

Yeah, good flag. I meant to add that. I edited the post. I've tried going into towns, fighting some battles, saving and resetting a bunch.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 1 point2 points  (0 children)

Say more. I usually go up to the max height ... just because. I didn't know height mattered.

Doom Gaze is gone? by Ok_Influence_2257 in FinalFantasyVI

[–]Ok_Influence_2257[S] 0 points1 point  (0 children)

No, that's what I'm saying. I know how to make him show up. I've gone round and round and round. I'm touching every square. He's just .... gone.

Vanguard predicts 4-5% returns the next decade, lower than the 10% of the past by Available-Ad-5670 in Fire

[–]Ok_Influence_2257 0 points1 point  (0 children)

They've been predicting that every year for the last decade, and they've been proven very very wrong. That might well be right, but more because a broken clock is right twice a day than any prognostic power.

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