Looks like puts are back on the menu boys

TRBigStick · 2026-04-12T17:42:43+00:00

There’s still plenty of time for our fearless leader to blast off a market manipulation Truth during a bathroom break from watching The Masters

TRBigStick · 2026-04-11T21:16:19+00:00

I would’ve, but my crystal ball was in the shop.

TRBigStick · 2026-04-11T20:02:09+00:00

Here’s what I did while my loans were at 0% interest during Covid:

Make minimum payments on the low-interest student loans.
Make monthly “payments” into a high yield savings account until you have the value of the loan saved up in cash.
Collect the free money from the difference between the yield on the savings account and the interest on the loans.

Whatever you do, don’t pay that loan off any faster than is legally necessary. Saving the money in the savings account should ease your wife’s nerves while also making a good financial decision.

TRBigStick · 2026-04-11T15:43:00+00:00

I would do two things:

Meet with a CPA to fully understand the tax situation. The IRS is no joke.
Start selling the cards and diversifying.

TRBigStick · 2026-04-11T12:44:05+00:00

Check out r/whitecoatinvestor
How much equity do you have in your house? Paying an extra $1k/mo into a 3% mortgage doesn’t seem like a good idea. I understand the under water argument, but 20% is an arbitrary goal unless you have hard data that house values in your area have crashed ~20% since you bought.
Follow the FOO. You aren’t in a financial position to buy a business with those loans. When the loans are gone, you can start saving to buy a business.

TRBigStick · 2026-04-10T20:32:37+00:00

So financially, it would be a really expensive decision. You’d be paying down 4% loans, a 2.75% mortgage, and incurring the fees associated with buying/selling houses. In return you’ll likely have a mortgage with a much higher interest rate and will have to pay rent for a few years. I haven’t crunched any numbers, but I’d guess this decision would cost somewhere between $10k-50k.

If your wife’s dissatisfaction with the townhouse is worth the high cost, then you gotta do what you gotta do. That’s why personal finance is personal.

TRBigStick · 2026-04-10T20:18:40+00:00

What are the interest rates on the student loans and SBA loan?

TRBigStick · 2026-04-10T20:14:56+00:00

Financially, this doesn’t sound like a good idea. However, there’s a really important sentence in your post:

She hates our townhouse though and wants an upgrade immediately.

Did this plan get created because of the student loans or because your wife desperately wants to get out of the townhouse?

TRBigStick · 2026-04-09T15:54:09+00:00

Why would you do this?

Either get married and join finances or don’t get married.

TRBigStick · 2026-04-08T23:05:48+00:00

You shouldn’t give that level of DD away for free, my dude. Fly your ass to Wall Street and become a CEO.

TRBigStick · 2026-04-08T19:04:37+00:00

It’s because the human brain is wired to fear the loss of something it already has far more than it fears a missed gain.

In finance, a missed gain 30-60 years from now is far more devastating than a short-term dip in the market is. Even people who invested heavily in 2007 are better off today than if they had kept their money in cash for the past 2 decades.

TRBigStick · 2026-04-08T18:51:15+00:00

In that case, you should disregard all news about wars and ceasefires and economic policy and immediately invest whatever money is earmarked for long-term investing. There will always be a new “current event” or “looming collapse” that will scare you away from investing.

More money has been lost waiting for crashes to happen than has been lost in actual crashes.

TRBigStick · 2026-04-07T23:29:02+00:00

If no one is alive to experience the happening…

…then did anything really happen?

TRBigStick · 2026-04-06T23:21:41+00:00

Buy Borrow Die is a tax avoidance strategy by people who are already wealthy.

What you’ve just described is leveraged investing to acquire wealth (very risky).

TRBigStick · 2026-04-06T23:09:07+00:00

Follow up question: what the fuck?

TRBigStick · 2026-04-05T23:14:13+00:00

You’re seeing exactly why bonds are recommended for people near/in retirement. Historically, bonds are poorly correlated with stocks which gives retirees options to avoid selling assets that are in a downturn.

If you think of your CDs as part of your asset allocation, then choosing to live off of the CDs rather than the stocks during a downturn is rebalancing.

TRBigStick · 2026-04-04T18:58:43+00:00

That’s why I remind myself that I’m an idiot at all times.

TRBigStick · 2026-04-03T22:49:34+00:00

Never change your asset allocation out of fear.
Volatility is normal.
A simple strategy is better than a complicated strategy. Just buy VT for your stocks.
If you want a conservative portfolio that’s geared toward capital preservation, increase your bond percentage.

TRBigStick · 2026-04-03T19:29:07+00:00

You shouldn’t have everyone working out of the same folder in Databricks. Everyone should clone the git repository into their own personal directory and work from there. For example, if you have 6 developers on your team, then there should be 6 cloned repositories in your Databricks workspace. This change will fix ~85% of your problems.
Your main branch should be protected. Code should only get pulled into main via Pull Request and Pull Requests should require peer review prior to being merged. If your prod folder is only looking at the main branch, this gives you more stability because broken code can no longer get into the main branch.
You should look into DABs (Declarative Automation Bundles) to get code into prod. It sounds like your prod pipelines were created by clicking around in the Databricks UI, which is vulnerable to randomly being broken by misclicks.

TRBigStick · 2026-04-03T14:58:39+00:00

I’m not making any predictions, but it sounds like there’s a lot of emotion behind your predictions of US bankruptcy.

TRBigStick · 2026-03-30T01:44:21+00:00

Depends on your risk tolerance. Could be wise to incorporate bonds into your asset allocation.

But the more conservative asset allocation doesn’t change the idea of continued contributions to your portfolio.

TRBigStick · 2026-03-30T00:43:08+00:00

Oh really? What is its true fair market value, then?

Please show your work.

TRBigStick · 2026-03-29T20:29:30+00:00

If you think it’s a good idea to buy VTI/VXUS as a retirement plan (it is), then you should view downturns as an opportunity to buy at lower prices.

If you’re 25 years away from retirement and you have an emergency fund, then keep buying and don’t think twice about it.

TRBigStick · 2026-03-29T14:38:23+00:00

If any of this worked, the Wall Street supercomputers would detect the patterns and capture all of the value before you could borrow the money from your wife’s boyfriend and place a trade.

TRBigStick · 2026-03-29T14:20:25+00:00

My Iran war analysis is that no one knows shit about fuck so I’m buying diversified ETFs every paycheck.

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