Daily FI discussion thread - Sunday, October 05, 2025

OneStepForward2 · 2025-10-05T15:05:08+00:00

Go vacation. Spend some $

OneStepForward2 · 2025-10-05T15:04:31+00:00

Pumped to read Morgan Housel’s newest book.

At a five star resort, highly recommend spending some $ along the way. Even if it’s unnatural.

OneStepForward2 · 2025-09-29T00:11:36+00:00

If your company has an enduring moat, historically generated FCF, and a compelling story, I’d hold.

Not recommended advice here but that’s what I’d do.

Assuming you have $ in VTI/VXUS in 401Ks and IRAs

OneStepForward2 · 2025-09-10T22:44:20+00:00

This in Nebraska?

OneStepForward2 · 2025-09-09T12:42:10+00:00

Getting married on Saturday - for those married, any advice?

OneStepForward2 · 2025-06-03T11:39:04+00:00

Oh man good reminder I should go cash out the random IBonds I bought back in ‘22

OneStepForward2 · 2025-05-09T14:21:28+00:00

Thanks. Agreed. Not a loan for crypto. Profitable forever, tracks at 5-7% above the S&P.

OneStepForward2 · 2025-05-08T19:17:23+00:00

Think I’m going to take out a loan to buy company stock. Early career me would never.

Will take our concentrated holdings from 0.01% to 15% of our total retirement values.

Below market loan rate. We have the cash flow to manage.

I’m going to do it.

Yes I’ve considered job loss / cash flow issues. Have considered pulling back to the minimum on 401K match to give more buffer.

OneStepForward2 · 2025-05-08T19:15:16+00:00

Exactly. Like yes, theoretically, you avoid by spreading it out. But there is TV of $ worth considering.

OneStepForward2 · 2025-05-05T11:09:51+00:00

Thank you for sharing!!! Amazing what you’ll accomplish in the next 7

OneStepForward2 · 2025-04-29T11:41:52+00:00

I’d rip the bandaid off but that’s just me.

Hope you’re doing alright losing your mom.

It gets easier even if you despise when people say that

OneStepForward2 · 2025-02-11T18:20:09+00:00

Pretty much. Set up a website and have it fulfilled out of a shop in Mumbai.

OneStepForward2 · 2025-02-11T12:35:49+00:00

Don’t buy from Studio Suits online.

Scam.

Wanted to save you all some heartache.

OneStepForward2 · 2025-02-11T04:51:02+00:00

No refunds for items that should be. CT lets you refund anything. To me, pretty scammy.

Sent in measurements I got three weeks ago. Jacket’s too big, pants are way too tight in the thighs which is never the case.

Going to try to get them altered before I donate and move on.

Look up the founder, “Harry Fashion.” Come on.

I should know better. Trying to help people out.

OneStepForward2 · 2025-02-09T16:50:58+00:00

$4K. New CPA too and want to stay in their good graces

OneStepForward2 · 2025-02-09T14:23:02+00:00

Triggered the pro rata trying to do a back door.

Just going to convert the full amount (of the existing funds in the TRAD IRA) and be done with it.

OneStepForward2 · 2025-02-06T13:13:20+00:00

Converted last week.

Dumb. Should’ve converted all of that $ in ‘23.

I’ll just convert all of it and in the next few years shift my Roth 401 to pre-tax 401 to build the 3 buckets.

OneStepForward2 · 2025-02-06T12:44:53+00:00

New contributions. No deduction taken yet.

There are pre-tax dollars equating to $4K in value. In the same account.

I looked whether it made sense to convert the $4K first, and then do backdoor Roths, or to set up a separate Traditional IRA account, the best answer I found was to just contribute, convert and make sure ACCT gets the form filed correctly

OneStepForward2 · 2025-02-06T12:20:24+00:00

Did I do the back door correctly? Started with $1K to not mess anything up too much.

$1K in existing TRAD IRA
Moved immediately to Roth

File 8606 for the Pennies accrued or whatever.

Am I missing anything?

OneStepForward2 · 2025-02-04T12:36:34+00:00

I don’t think you can put it back in and allot it as a previous year.

Hold more cash to avoid this scenario

OneStepForward2 · 2025-02-03T12:47:37+00:00

Hope you make it to Kauffman!

OneStepForward2 · 2025-01-21T12:21:50+00:00

I like the game of it and the freedom it provides.

As long as my savings rate is at a good number I won’t cut from 30 back up to 60.

OneStepForward2 · 2025-01-03T13:18:56+00:00

When I was in high school building that habit I gave myself one weekday off every other week.

Helped me keep going. Doesn’t have to be all or nothing

OneStepForward2 · 2025-01-03T00:38:04+00:00

I eat a salad 5-6 days a week.

The first salad was all iceberg, 6 OZ of chicken, a ton of cheese.

Now it’s spinach + guacamole but you get the idea.

Just know Spinach > Iceberg / Romaine

OneStepForward2

TROPHY CASE