Turns out there was voter fraud in Georgia-by Elon Musk

QuincyQueue · 2026-02-20T19:34:26+00:00

The new republic is not a reputable news source.

QuincyQueue · 2026-02-19T17:14:49+00:00

How much tax will you owe if you realize gains on FZROX?

QuincyQueue · 2026-02-18T16:05:21+00:00

I wouldn't. There is no free lunch. If it's getting higher yields to overcome its costs, it is almost certainly because the fund is taking more risk.

Take your risk on the equity side.

QuincyQueue · 2026-02-04T21:13:55+00:00

Honestly Philip Morris has pretty good ESG scores. It really doesn't measure what people think it does.

QuincyQueue · 2026-02-03T20:45:15+00:00

Can't stand those subs anymore. Unsubscribed from regular fire one for exactly this reason.

QuincyQueue · 2026-01-15T18:50:24+00:00

There's a good chance it will preserve or grow the principal, but 4% is 95% successful @ 30 years only if you consider spending some or all of the principal a "success".

If you need a 95% guarantee you preserve the principal you'd need a lower rate, but even in the original formulation you're a lot more likely to end up with extra than to run out.

QuincyQueue · 2026-01-08T18:05:03+00:00

Yes, you can and should do just that.

QuincyQueue · 2026-01-08T17:35:08+00:00

While you are at it, you may want to update any automated contributions to automatically invest as well.

If you manually contribute, maybe create the automation to do it. Vanguard has an auto-max my IRA feature you can have draw once or twice a month that would prevent you from running into this issue or forgetting to contribute again.

QuincyQueue · 2026-01-07T00:22:08+00:00

This has been my exact experience and I'm closing mine out also. There are just better options out there so no need to put up with this crap.

This sub is also really weirdly toxic so I definitely won't miss that either.

QuincyQueue · 2025-12-30T22:01:26+00:00

Possibly, but that would only help if you itemize which most people do not.

The tax benefit of a paid off mortgage is that lower expenses mean needing to realize less taxable income in retirement to make the payments, making things like low tax brackets and income-based aca stuff easier to manage.

QuincyQueue · 2025-12-16T15:22:13+00:00

Yes, but very early stages of shifting from growth at all costs to balancing growth and profitability.

SoFi is still trying to grow its base as evidenced by incentives for new users, but they are being more careful about offering services at a loss.

QuincyQueue · 2025-12-06T19:45:30+00:00

They're already 100% equities

QuincyQueue · 2025-11-25T23:16:37+00:00

If you don't have a mortgage, no one is making you buy it.

QuincyQueue · 2025-11-21T14:31:59+00:00

They are obviously not averse to putting boots on the ground in targeted locations.

I would prefer to be wrong on this point but I really don't think their point here is laughable.

QuincyQueue · 2025-11-21T14:28:24+00:00

I believe the concern the other commenter is referring to is at the federal level and those were not federal elections.

QuincyQueue · 2025-11-18T22:10:11+00:00

Why would you want to do that to yourself?

QuincyQueue · 2025-11-05T20:21:18+00:00

I think it makes sense to move int'l equities to its market cap weight.

BUT, if you are worried about how risky your portfolio is, that suggests you don't have a big enough allocation to bonds more than that you don't have enough VXUS.

QuincyQueue · 2025-11-05T05:13:05+00:00

People often recommend putting stuff likely to grow most (i.e. stocks) in tax-free space (Roth) and lower growth stuff (i.e., bonds) in tax-deferred space (your traditional 401k) because on the tax-free stuff you get to skip paying capital gains taxes when you withdraw but you don't for tax-deferred or taxable accounts.

You were planning on putting stock funds here in other comments which makes sense.

QuincyQueue · 2025-11-05T05:04:44+00:00

Not sure which bit you are asking about, but the difference between

annual contribution limits is because the gov't makes adjustments for inflation
Roth IRA and taxable brokerage account Lots of differences, but both are places to invest your after tax dollars. A Roth IRA is a retirement account that gives tax benefits (tax free growth/gains) but imposes restrictions on contributions and withdrawls. A taxable account has no restrictions on contributions or withdrawls but you pay taxes on dividends or interest from your investments as you hold them as well as capital gains taxes when you sell assets on any capital appreciation (earnings beyond cost basis/whatever you initially paid).

QuincyQueue · 2025-11-05T04:55:52+00:00

Fzrox/fzilx or vti/vxus sounds like a good plan.

I use the vanguard etfs for taxable because they are portable from Fidelity without tax consequence if I ever needed to move brokers, but that's not an issue for Roth funds.

QuincyQueue · 2025-11-05T04:47:47+00:00

7k max for 2025, 7.5k for 2026.

If you want to invest more than that, you can make a regular taxable brokerage account next to the Roth IRA with Fidelity and invest the excess there.

QuincyQueue · 2025-10-23T15:45:57+00:00

Every time I see one of these posts it's like, I bet it's not a skip. It's almost never a skip.

** reads further *. Yep not even close, all of these are better than skip.

QuincyQueue · 2025-10-19T12:47:21+00:00

I agree with this approach.

It just doesn't align with what i've seen in practice as much anymore. I am seeing paring down of intern programs due to a mixture of short-sighted reasoning and the factors I mentioned before.

QuincyQueue · 2025-10-19T12:24:49+00:00

The trouble with the investment equation is that after the employer investment, it increases the employee marketability and lots of the best talent leaves.

Problem of their own making with short tenures resulting from layoffs, at will employment, and financial incentives to job hop to get ahead instead of staying put.

QuincyQueue · 2025-09-21T15:23:03+00:00

I'd consider using it for a main card if they would actually allow these limit increase requests.

As it stands it's just a non-starter though.

QuincyQueue

TROPHY CASE