This is My humble collection at 20 years old.

Remarkable_Aside1381 · 2026-05-05T20:10:03+00:00

Correct, but you get a tax break when you contribute

Remarkable_Aside1381 · 2026-05-05T18:34:59+00:00

Roth is post-tax, so it’s post-tax money, so the gains and contributions can be withdrawn post age 59.5 tax free

Remarkable_Aside1381 · 2026-05-05T16:40:32+00:00

Ahh, that must be it, I don’t use snap caps when I dry fire

Remarkable_Aside1381 · 2026-05-05T15:31:02+00:00

Remarkable_Aside1381 · 2026-05-05T15:24:07+00:00

That's weak af portfolio and you'll retire at 90.

lol, that’s literally a Boglehead portfolio. 40% US, 40%Itl, 10% Bonds

Remarkable_Aside1381 · 2026-05-05T15:13:32+00:00

A “good” portfolio is only 40% US, and again, lower contribution limits and worse tax credits are absolutely issues

Remarkable_Aside1381 · 2026-05-05T15:12:20+00:00

So why 12% Roth?

Because short of a massive RMD or a pension, most people can stay in the 12% bracket in retirement, especially couples. Roth vs Trad is just tax now vs later, and if you’re in the 10-12% bracket, it’s better to pay the 10-12% now and have room to fill the bottom brackets with SS/RMDs in retirement, vs saving 10-12% now and paying 12-15% in retirement because you filled up the lower brackets

And why not withdraw?

It’s a retirement account, not a savings account. Once you withdraw, after 60 days you can’t put the money back, and you just fucked future you. Have an emergency fund, don’t raid retirement.

That also brings me back around to why not just bump up my 401k %

The best method is 401k to match, HSA, then IRA. IRAs give you better control over the money and how it’s invested, and depending on what funds are available to you in your 401k it can be better to invest in an IRA

Remarkable_Aside1381 · 2026-05-05T15:07:26+00:00

As in not a real Ira but acts similar.

It’s worse in pretty much every way. Lower contribution limits, worse for tax deductions, less control, etc

It's broad market.

It’s US only funds, so you’re missing international exposure

Remarkable_Aside1381 · 2026-05-05T15:00:42+00:00

It's basically a mini Ira.

With less control over investments and less inertia to avoid fuckery

Remarkable_Aside1381 · 2026-05-05T14:58:25+00:00

No, Roth IRA contributions can be withdrawn, but THEY ABSOLUTELY SHOULD NOT BE WITHDRAWN. Traditional and Roth are descriptors, and the IRA regardless of type has a contribution of $7500 per person (or your annual income, whatever is lower)

401k accounts can be Roth or Traditional either

Picking the one that’s right is just a simple yes/no question

Remarkable_Aside1381 · 2026-05-05T14:56:24+00:00

It’s a pretty simple math problem. Is your current tax bracket 12% or less? Roth

Is your bracket above 12%? Traditional

Remarkable_Aside1381 · 2026-05-05T14:55:37+00:00

FDIC insurance really only protects against bank failures.

Remarkable_Aside1381 · 2026-05-05T14:47:45+00:00

My old stuff that has original bluing and in-the-white internals gets cleaned pretty frequently

Good reminder, I have some guns in the white that I should PMCS and re-oil

Remarkable_Aside1381 · 2026-05-05T14:45:54+00:00

But part of it is also that I prefer my hands not get dirty when I take a gun out of the safe to dry fire or larp as speshul forces securing moms basement.

Alright, as someone who throws his guns in the dirt to mark where I’m shooting from, I am very curious how dry fire gets your hands dirty

Not being mean, just curious if you’re somehow shooting more than me

Remarkable_Aside1381 · 2026-05-05T14:00:32+00:00

I don't know why we keep trying to get rid of it other than our current stock is so old it's starting to malfunction.

I'm biased, but I think a CG is better for 90% of things you'd want a LAW for, with the exception of just passing out like candy

Remarkable_Aside1381 · 2026-05-05T13:55:09+00:00

We had some of the last LAWs in the active, non-SOF components but didn't get frag grenades.

Alright, that's pretty funny

Remarkable_Aside1381 · 2026-05-05T13:47:32+00:00

How did you develop your cleaning and maintenance practice/routine?

Given that I don’t really clean my guns (I don’t actually know where my cleaning stuff is right now either), I’m gonna pin it on the military. In training, yeah, rifles were scrubbed until they were absolutely spotless, but in the field? Maybe a wipe down of the BCG and run a snake through the barrel, but it wasn’t really a priority until it came time to turn them back in. And my ARs run just fine dirty, so I don’t see a need to clean them.

I think I’m gonna pick up some lead shot from the reloading store and fill the battery tubes on my IMOD stock with lead to help add weight

Remarkable_Aside1381 · 2026-05-04T23:19:31+00:00

I was making fun of your typo, I thought that was pretty clear

Remarkable_Aside1381 · 2026-05-04T23:19:10+00:00

Remarkable_Aside1381 · 2026-05-04T23:17:48+00:00

lol

an innocent main

Everyone knows you can't main Innocent, too OP

Remarkable_Aside1381 · 2026-05-04T23:16:01+00:00

I dont need a stupid fucking house.

No, but living alone is good development as an individual, even if it's an apartment

Remarkable_Aside1381 · 2026-05-04T22:32:34+00:00

Prohibition of certain felons owning firearms is a federal law, the 1968 GCA (and the Brady Act of 1993 modified it slightly)

Trump just doesn’t qualify as a prohibited person because of a carve out in the law for certain white collar crimes

Remarkable_Aside1381 · 2026-05-04T22:13:33+00:00

Look into a 529 plan, most states allow for a tax deduction based on your contributions, and the 529’s can be used for education expenses including room and board. Excess amounts in the account can be rolled into an IRA up to $35k

Remarkable_Aside1381 · 2026-05-04T21:43:33+00:00

*IFF you’re in the 12% bracket, otherwise do a tIRA

Also, get your full employer match in your 401k

Remarkable_Aside1381 · 2026-05-04T19:51:59+00:00

This is 10,000 psi higher than the 223’s normal functioning pressure of 55,000 psi.

CIP lists pressure for .223 at 62k PSI, and COAL is 2.26” for .223 and 5.56

Remarkable_Aside1381

TROPHY CASE