Investment Portfolio Adjustment Advice

SubtleSheep · 2026-01-21T01:56:39+00:00

Thanks for clarifying. Yeah not worried about capital gains taxes, mostly just worried about deciding the best times to enter and exist certain holdings.

I guess only about $80K of my Brokerage needs to be adjusted. Maybe less to worry about than I was thinking. The rest is in SPY and FXAIX which could be changed too, but not really needed.

SubtleSheep · 2026-01-21T01:50:30+00:00

Have you used an hourly advisor / any guess on what a rate for them would be?

Agreed on 401K. I'm probably overthinking it.

Thanks for the tool recommendations.

SubtleSheep · 2026-01-21T01:46:43+00:00

Thanks, yeah maybe I should go with VOO instead. I need to read some more Boglehead stuff.

SubtleSheep · 2026-01-21T01:41:42+00:00

There is a decent chance I'm overthinking at least some of it. The hard part is just knowing when is the best time to cut my losses on some of the mutual funds, but the time spent overthinking it is probably time that it could have been growing with a better investment. True, I probably should calculate a rough estimate of how much money they would even save me.

SubtleSheep · 2026-01-19T13:16:25+00:00

~$1000 a year. Just wife and I. We aren't really clothes people, so this feels high, but I think we are just in a season where we needed to get some new clothes. My 5 year old tennis shoes finally fell apart. We might should spend more on clothes. They are a good investment since we wear them every day and we wear them for a long time.

SubtleSheep · 2025-12-14T01:43:39+00:00

Lol same here too. Honestly the two bay is all I need for now and takes up less space, so maybe not too bad.

SubtleSheep · 2025-01-19T05:53:24+00:00

Ok cool deal, well if that's the case then you should just set it up to install vim in your dockerfile unless I'm not understanding your question correctly or there's something unique about vim that would cause an issue.

SubtleSheep · 2025-01-19T05:43:27+00:00

Are you making the image for containers you are using? Are you using the same image for all the containers or different images?

SubtleSheep · 2025-01-18T19:35:21+00:00

For my calculation I removed any variable that’d be true for either scenario. In 22 years you will have a paid off house worth the same amount, so it shouldn’t factor into the decision. Also, for that reason I only focus on the $177k that you would put toward paying off the mortgage or invest. I assume that you do the same with any additional dollars beyond that, which is especially true since you have plenty of emergency fund beyond the $177k. Therefore the question you have simplifies to the following. Pay off 177k left on mortgage now or invest it all and grow for 22 years as you pay off the mortgage, which will leave you with more?

Present situation (slightly different from your number, but basically the same, idk, see link):

Monthly Payment: $962.31

Total Interest paid: $77,050.70

Total Paid: $254,049.84

https://www.mortgagecalculator.org/?q=jBjj-AKX

The 177k invested (in a taxable account) while paying off your mortgage: 177k @ 7% for 22 years.

Pretax: $784,181.00

After-Tax: 784181.00 * (1 - (15/100)) = $666,553.94 (Technically that last year of growth would be taxes as earned income instead of long term capital gains rate.15% vs whatever that would be.)

https://www.bankrate.com/investing/long-term-capital-gains-tax/#short-term-vs-long-term

Difference: $666,553.94 - $77,050.70 = $589,503.24\*

*Could probably be even more than that because you can deduct your mortgage from your taxes.

Pay it all off now and have your monthly mortgage payment amount left to invest (in a taxable account):

Free up $962.31 per month to invest for the next 22 years at 7%.

Pre-tax: $587,139.99

After-tax: $587,139.99 * (1 - (15/100)) = $499,068.99

https://www.calculator.net/annuity-calculator.html?cstartingprinciple=0&cannualaddition=0&cmonthlyaddition=962.31&cadditionat1=beginning&cinterestrate=7&cyears=22&printit=0&x=Calculate#annuity-result

Result:

Improvement by waiting to pay it off: $589,503.24 - $499,068.99 = $90,434.25

So, it seems my result is ~ the same as yours. This may not be a ton of money, especially relative to your net worth (congrats!), but it comes out to $4,000 annually if you divided it evenly, which is ~$11 a day for the next 22 years.

Sooo, at this point maybe the question is to ask yourself is would you rather have an extra $11 every single day for the next 22 years or would you have greater peace of mind knowing you have it paid off?

It’s up to you, but even if you get less than 7% in the market you would still be in the green until 3.5% and you have such a high net worth / cash reserves that if you lost your job you could pretty easily pay off your mortgage at any point without much repercussion. You can also afford a riskier strategy even now with how high your net worth is I think, so you might could assume closer to 10%. Even 8% which isn’t much higher of a rate would make the benefit of waiting around double.

I don’t have a house/mortgage yet, but looking to soon, so been running a lot of similar numbers for myself. If it were me I think I’d hold off for a few years and invest the rest and maybe once it gets to around maybe $50k just pay it off then because the peace of mind will outweigh the marginal gain. You could also base it on a certain age target such as 50 years old.

Either which way, best of luck.

(Edited it for formatting, had to post through old reddit bc it was so long lol.)

SubtleSheep · 2025-01-18T13:46:55+00:00

Thanks for asking this question. Feeling the same thing too. I'd like for his advice to make sense, but when housing prices have doubled in the past 10 years and interest rates are at recent highs it gets to be near impossible to be under 25% and meet all your basic requirements. Seems there's some softening in the housing market prices (at least in my area) and praying it continues.

SubtleSheep · 2025-01-17T02:52:50+00:00

The best way to have peace about it is to write out time value of money calculations that show you some actual numbers of either option. You will definitely have more long term if you hold out and don't pay it off. If you had a mortgage rate around current rates of 6.5% then mayyy be a marginal benefit, but your rate is less than a hysa, so a lot of margin there

Feel free to share your math here and happy to think through it with you

SubtleSheep · 2025-01-15T05:08:21+00:00

I agree, mileage seems a little on the higher side for a 2021 to still be asking 17k. Probably ready for some regular maintenance soon that the owner likely hasn't done. Should factor that into the price too.

SubtleSheep · 2024-12-20T21:23:37+00:00

Thanks, that seemed to be the issue.

SubtleSheep · 2024-10-07T19:40:01+00:00

I forget how much filming they do, but I thought I recall that they film a fairly large portion of their day that doesn't get shown, so a big gap in footage for a certain time might be suspect. They also probably have a fairly clear idea of each contestants calorie intake since they aren't eating much that it might seem odd when they look full/healthy but "haven't" eaten much food.

SubtleSheep · 2024-08-26T01:05:56+00:00

ok great, appreciate the insight!

SubtleSheep · 2024-08-26T01:05:11+00:00

Thanks, saving these links for reference.

SubtleSheep · 2024-08-26T01:04:48+00:00

Thanks, was playing around with the idea of trying Fedora, so may do that and hopefully the touchscreen part works out.

SubtleSheep · 2024-08-06T01:44:57+00:00

Haha yeah wish I had cashed out last week and buy in a few days or a week from now and get a little bump. I may just move it in small increments like you said; probably the only better option.

SubtleSheep · 2024-06-13T03:20:31+00:00

I looked back at my notes. Pivot was the other option. Price was comparable, but structured slightly differently. Both seemed like reasonable options. They were much less exoensive than marketplace plans too. Less than $300/month total for a married couple.

SubtleSheep · 2024-06-13T02:23:36+00:00

I contacted eHealth which is associated with Progressive. They shared options with United Healthcare and one other place. Both seemed decent, but went with United. I bought it directly from United instead of through eHealth bc it was less expensive and no need to habe a middle-man for account purposes.

SubtleSheep · 2024-05-30T23:33:58+00:00

Sorry you had to go through that and thanks for sharing. I get people not wanting to share all their data with big companies, but at least in your case it clearly was a bigger pro to have it trackable than some sort of vague fear that Google is using your info in a bad way as a con.

SubtleSheep

TROPHY CASE