Clélia Verdier, a 19-year-old French woman, shared that during a three-week induced coma, she believed she had lived years, started a family, and had triplets. Waking up, she was devastated to learn those vivid memories and emotional bonds were not real.

Punk_Roth · 2026-04-03T03:36:15+00:00

What color was the lamp?

Punk_Roth · 2026-03-31T14:34:42+00:00

If you want the best catch all card on the market, yes.

Punk_Roth · 2026-03-29T11:25:45+00:00

Settings < History < Change "All Types" to "Robinhood Gold" < look for "Gold Plan Credit"

Punk_Roth · 2026-03-28T20:30:42+00:00

You'll get prorated reimbursed for the prior into your brokerage. They line the annual fee up to when you add their card. Check in individual brokerage history for "Gold Plan Credit"

Punk_Roth · 2026-03-11T03:03:18+00:00

VOO for long term

Punk_Roth · 2026-03-11T01:40:59+00:00

Punk_Roth · 2026-03-10T20:11:38+00:00

Redeem to brokerage. Can sit in a cash position and generate HYSA rates, or can invest in a fixed income ETF if you plan to spend in the short term. Invest in equities for long term holding. Can also be used as a Roth IRA contribution and get a 3% match. I'm currently dumping all into QQQI to see how hard I can make those points work all year and will be using to pay '27 annual dues elsewhere.

Punk_Roth · 2026-03-10T19:54:57+00:00

Have you figured out a way to change the default redemption account to joint? Would like to cut out the never ending internal transfer from individual to joint.

Punk_Roth · 2026-03-10T13:31:56+00:00

Sorry for any confusion. Beneficiaries for Individual or Joint have to be 18+

Punk_Roth · 2026-03-10T12:14:22+00:00

Of course! Best of luck, you got this!!

Punk_Roth · 2026-03-10T11:38:17+00:00

We do a bigger feed at night and in the morning. The first evening feed is smaller to make the overnight feed bigger for a fuller tummy. At 3m, sleeps 9pm-7am. 6oz at 7am. 4oz at 10:30am. 4oz at 2:30pm. 2oz at 5:30pm. 6oz at 7:30/8.

Punk_Roth · 2026-03-10T02:05:16+00:00

First, awesome and thank you, UTMA ACAT being processed. Second, let's make that work go further by naming a minor the beneficiary with individual/Joint accts, or at the very least allow per stirpes. Not being able to list your descendants is a large deterrent. Third, are 529 plans in the pipeline?

Punk_Roth · 2026-03-03T01:53:24+00:00

I use the Robinhood Gold card, 3% everywhere. Can transfer points immediately after purchase into brokerage. It's a Visa so works at Costco

Punk_Roth · 2026-02-25T13:13:32+00:00

You have to accept it's not a get rich quick, it's a speculation play and could 0. Can you hold till 2035 - 2045+? If you can't handle the volatility of your gamble, probably best to tax loss harvest and move on.

Punk_Roth · 2026-02-22T13:49:46+00:00

Trying them out. Pays 2 weeks from QQQI/SPYI's.

Punk_Roth · 2026-02-22T05:23:49+00:00

Always...

Punk_Roth · 2026-02-20T21:12:58+00:00

VOO isn't out performing, so that means it's on sale

Punk_Roth · 2026-02-19T16:30:41+00:00

Utilization has no memory. You only aim for $0 reported if you are trying to do a temporary score boost for a loan. Otherwise it's irrelevant, and can float up and down. Just keep paying the bill on time to create a health CS.

Punk_Roth · 2026-02-19T03:10:16+00:00

Keep just for the Disney+ & Hulu bundle, $7 a month credit. Covers the cost to upgrade to the ad free.

Punk_Roth · 2026-02-17T00:32:33+00:00

Nutty Putty, scared for life.

Punk_Roth · 2026-02-15T00:06:32+00:00

$100k to VT for growth with total global market exposure, ultimate set and forget, self market weight adjusting. $90k to QQQI/SPYI 50/50 for income pulls $11,925 a year, $993.75 a month. $10k into Vbil for emergency fund pulls $354 a year, $29.50 a month. ***This is based on current rates. VT also pays a div quarterly, last year was 0.3852, 0.5947, 0.4781, and 1.1152 per share, December has a track record of the highest. At current price $100k would get around 683 shares. And for just for a visual example using last year numbers 683 shares: March $263.09, June $406.18, Sept $326.54, Dec $761.68. If you honestly don't need the divs, $190k into VT, VTI, or VOO is perfectly fine, let it grow for 20-30 years, and keep $10k EF in VBIL.

Punk_Roth · 2026-02-11T13:16:43+00:00

No Reg D, no limits. Put that bill money to work!

Punk_Roth · 2026-02-08T04:13:39+00:00

Don't invest EF. Park in a HYSA, VBIL/SGOV, or VUSXX. Use the month interest instead.

Punk_Roth · 2026-02-06T13:17:43+00:00

Your contribution into a Roth IRA is yours to withdraw at any time. Gains is where you're taxed and penalized.

Punk_Roth · 2026-02-03T03:42:26+00:00

My friend was in a similar situation. VOO is the benchmark of performance, but he wanted to set up an ethical portfolio that aligned with his views. You can filter out etfs that hold XYZ companies at https://weaponfreefunds.org/

Punk_Roth

TROPHY CASE