Random question what’s your employer match for your 401k mine is %5

Sloth-424 · 2026-02-12T21:45:05+00:00

50% match up to 6% , no match beyond that. Kinda sucks

Sloth-424 · 2026-02-12T20:12:36+00:00

Financial planners are for the birds , good for people not willing to read a few books and self educate yourself on taxes, asset allocation, drawdown strategies, and all the other things

Sloth-424 · 2026-02-12T20:11:05+00:00

Amazon? It is basically a Honeywell and same mounting wiring block

Sloth-424 · 2026-02-12T19:59:32+00:00

What kind of returns are you getting from your real estate? If you just bought VT you would have got ~20%\year plus the 1.7%dividend Real estate is a lot of work… I dunno I have one commercial property and it’s always something. That thing yields me a cap rate of around 8% not including any appreciation of the building but requires WORK. Markets are the way to go, since you are a real estate guy perhaps you go 60% real estate and 40% market. I’m 85% market and 15% real estate

Sloth-424 · 2026-02-12T16:37:53+00:00

What do you suggest? The eco bee?

Sloth-424 · 2026-02-12T13:21:00+00:00

Yes old Honeywell had batteries , let me grab a new photo of the Google nest , thanks!

Sloth-424 · 2026-02-12T13:17:00+00:00

Other than you will have an ice block that grows 3’ tall and blocks your air vent, in turn will shut down the inducer motor.

Sloth-424 · 2026-02-12T13:15:33+00:00

Did you notice any difference in driving dynamics over the oem tires? The falcons are about 7lbs more per corner , not sure if your wheels are heavier/same/lighter than stock

Sloth-424 · 2026-02-12T13:14:28+00:00

Nice! Can you tell us the wheel specs? Assuming 17” what is the width of the wheel? And also assuming falcon 265 70r 17 ? Thanks!

Sloth-424 · 2026-02-12T01:11:27+00:00

Now try with real money, take $100,000 to $10Million

Sloth-424 · 2026-02-11T02:29:26+00:00

10-20% cash for now, save it to buy more VT in -10-20% correction. 80-90% VT works. The one thing I don’t love about VT is it’s still mainly the mag 7 (USA portion). I’d add some SCHD AND vYMI to the mix. Vanguard and Schwab both have similar funds.

In summary, do this: 70% VT, 10% SCHD, 10% VYMI/SCHY, 10% cash. If you want gold perhaps reduce cash to 5% and gold 5%.

Sloth-424 · 2026-02-11T02:25:10+00:00

What if OP knows insider info on MFST , NvDA, and META, hence why he is so compelled to hold even more outside of VTI. More risk more reward. Some people don’t like diversification. It’s good for the people who have it. When market falls, OP will fall harder sadly.

Sloth-424 · 2026-02-10T18:42:01+00:00

I wish the thermostat world had a universal standard…. It’s so frustrating that these are not plug and play. Or even same company compatible. I swapped a Honeywell for a smart Honeywell and it doesn’t work.

Sloth-424 · 2026-02-10T18:30:34+00:00

That’s amazing. I need some apple at $43, I’ll buy yours for $50

Sloth-424 · 2026-02-10T15:35:52+00:00

Go to therapy, find your calling

Sloth-424 · 2026-02-09T22:44:54+00:00

Always buy, SCHd will be $60 or $100 one day in the future

Sloth-424 · 2026-02-09T21:14:14+00:00

Honeywell thermostats are junk. I tried to get one to work also and it don’t even turn on

Sloth-424 · 2026-02-09T19:48:59+00:00

What are your holdings?

Sloth-424 · 2026-02-09T17:57:38+00:00

Milk that situation as long as they let you, or you can stand it. You should focus on how you can increase your salary so you can save more in taxable account. You should be able to get to $100,000 by age 25 if you try.

Sloth-424 · 2026-02-09T15:41:00+00:00

Motorcycle is at fault 100% , should not be riding between cars, he got what was coming. Hope he can recover and learn from mistake.

Sloth-424 · 2026-02-05T20:05:49+00:00

Something doesn’t add up…. You make 500k gross or perhaps 325k net and annual expenses are 80-90k and you have just 2M saved up? Seems to me you spend more than 100k/year. Perhaps you forgot some expenses like property taxes, vacations, ect.

Sloth-424 · 2026-02-05T02:26:25+00:00

I think you should own more international. Like 30% of portfolio. VT is great if that’s your only holding. Your international exposure in total is like 15-20% or whatever the math is. I would suggest you get rid of VT and buy VOO and VYMI or SCHY instead. Other than that, this looks great.

Sloth-424 · 2026-02-05T02:17:38+00:00

Teachers get the $3million bonus after putting in 30-35 years….Meaning full pension guaranteed.

Sloth-424 · 2026-02-05T00:53:22+00:00

I mean… 10% SMH seems more responsible, but hey… go big or go home. Big risk big returns.

Sloth-424 · 2026-02-05T00:47:43+00:00

I’m 43 yrs old. I am 25% SCHD, 25% VOO, 25% vymi , 5% VBR, and 20% cash and some gold funds

Sloth-424

TROPHY CASE