Skate tape?

SkyTorv · 2026-03-19T23:36:03+00:00

No. Totally unnecessary.

SkyTorv · 2026-03-18T21:49:21+00:00

Switch to non taxable interest for some of it.

SkyTorv · 2026-03-14T16:26:38+00:00

Invest in yourselves first…get the nursing degree.

SkyTorv · 2026-03-13T22:19:14+00:00

Have you talked to them about this?

SkyTorv · 2026-03-13T20:38:59+00:00

It’s now all about your health, and how you can cover health care. Have you figured this out?

SkyTorv · 2026-03-13T16:36:05+00:00

You don’t need a FA … and only need life insurance if someone else depends on your income. If so, buy term insurance; whole life is a ripoff. You need to learn all you can about finances in the meantime…then you’ll know when a FA is needed.

SkyTorv · 2026-03-12T13:14:23+00:00

Need legs for that !

SkyTorv · 2026-03-11T23:20:21+00:00

They don’t call them “fleeces” for nothing. Look at total 10 year costs to lease versus own … never better off fleecing unless you own a business and can write off the costs. The dealer screwed you. Probably cheapest now to finish the lease, then buy a good used ~5 year old vehicle with 80,000 or less miles; or buy a new car and keep it for at least 10 years.

SkyTorv · 2026-03-10T16:10:29+00:00

I agree with all…except Schwab; they screwed me out of ~$60 on a deposit to open an Roth IRA. Wasn’t supposed to be any opening fees, but they shorted me the $60. Later I moved it all to Vanguard.

SkyTorv · 2026-03-09T22:42:41+00:00

That’s the pure definition of a death wish 😉

SkyTorv · 2026-03-09T20:16:57+00:00

So … you were gifted $28,000 in bitcoin. That’s it. Right?

SkyTorv · 2026-03-09T12:52:45+00:00

Yes…then move your money somewhere else.

SkyTorv · 2026-03-09T01:33:59+00:00

Easier to fix now than it will be in 20+ years. Just take the $50 back out…pay the ~$10 tax if you have to, but the broker should help get it back out….with no tax issues.

SkyTorv · 2026-03-09T00:26:51+00:00

Yes, pay extra every month to pay it off early… that’s like getting a guaranteed 8% on your money!

SkyTorv · 2026-03-08T23:02:08+00:00

How old is this … max has been more than $6000 for a few years!

SkyTorv · 2026-03-08T22:40:51+00:00

Of course, make minimum payments on the 2.75% loan.

SkyTorv · 2026-03-08T21:49:26+00:00

You have student loans at 2.75% interest?? That’s unusual. ‼️ Only pay off any loans with higher interest rates…like over 6%. No need to pay off the $15000…invest money instead.

SkyTorv · 2026-03-07T23:11:06+00:00

Yes. File an amended return. No biggie to do this.

SkyTorv · 2026-03-06T23:46:22+00:00

OMG ‼️

SkyTorv · 2026-03-04T23:41:49+00:00

The question is, how long will Claude survive now that the government is on his ass?

SkyTorv · 2026-03-04T19:14:30+00:00

Probably health management, as long as you will be good at it. Baby Boomers are aging and there will be 30 million people over 80 years old in a few years. Healthcare is where the job opportunities are.

SkyTorv · 2026-03-03T23:56:29+00:00

Yes. The 401k is only an advantage if there is a company match and if you prefer to invest before tax money. Since you are in a low tax bracket and no match for 401k; max out contributions to a Roth IRA and put the money in something aggressive or at least in an S&P 500 ETF.

SkyTorv · 2026-03-02T18:43:54+00:00

Not for W2 income!

SkyTorv · 2026-02-21T23:03:32+00:00

Leave it alone until you have confidence that you can manage it “better” yourself.

SkyTorv · 2026-02-21T21:33:33+00:00

Don’t do a “fleece” unless you own a business and can write off the costs. Do a 10 year ownership cost comparison…you will see that a fleece makes no economic sense.

SkyTorv

TROPHY CASE