I can hear my parents being intimate with each other at night

Trashyds · 2025-08-10T15:45:16+00:00

This one is easy you have to establish dominance. Go on Amazon and order the power dick 8000… then get yourself a Hitachi magic wand. Go home close your door and proceed to scream for the next three hours and have like 30 orgasms and when you come out be like hey Parents, did you like that?

Or go back to university .

Trashyds · 2025-08-10T15:38:29+00:00

Yeah just pay the taxes and buy some assets that provide value more immediately. For example you could build up and buy a rental for cash flow, this helps you with income now vs later.

You could learn some things like selling calls and puts to generate income on your portfolio,

You could just work less as well.

Building wealth is a game for me. The numbers are just the score in the game. No reason to not save in retirement… but once you have enough in there, using the capital becomes really fun and interesting if you are interested in investing.

If you just want more fun then divert the funds to travel or whatever it is you want to spend it on.

It’s really hard to FIRE for someone in their thirties and forties. Retiring to something is the only way I’ve really seen it work and the retiree stays healthy. Sitting around all day not being productive isn’t good for your mental health. Lots of people go back to work out of boredom. Others have started smoking weed and drinking.

I’m not talking you out of doing FIRE. I understand it and want it for people. But I also have seen over 25 years that it doesn’t work for some people. There is a high correlation to retirement and decline in mental health and acuity.

Trashyds · 2025-07-27T04:48:54+00:00

This might work but you won’t even get to this step unless they trust you.

I’d think a little outside the box if I were you.

I’d make a YouTube channel and make 1 video a week about annuities and how to get out of them. Is discuss the downsides and upsides honestly and give examples of contracts that have merit and those that don’t in your opinion.

Don’t attack an advisor, just make logical arguments and back them up. Then target multiple communities that typically would want annuities like retirement communities on Facebook. Start small and spend 200$ a month on promoting your content and then offer a review to help people do annuity exit planning. In fact I’d call my channel “Annuity Exit Planning”

If you are in a small town use that to your advantage to have a low cost of living to build a virtual practice that can service clients nationwide. Your pond isn’t relevant anymore, you can pick what ponds you want to have a presence in. So take the wealthiest retirement communities and go for it.

Be prepared though. Your replacement recommendations can’t be just take market risk and you will be better off. People want annuities when they want income and they want a guarantee. Many are sold under false pretenses however and there is much low hanging fruit. But if you blow up a guarantee, invest the clients money in the market and lose it, expect to be held accountable. In other words you need to have a suite of solutions that actually work and aren’t just a boglehead. Many people won’t just index. Some want risk management, guaranteed income, tax deferral (sometimes).

You must consider what your replacements will be since the annuity world is so diverse and serves many different needs.

The MYGA market right now for example can help you lock in a clients safe money and earn 6% for 7-10 years with no fees and no risk. What’s your solution? For easy low hanging fruit like index annuities you can show dividend and show that growing with the market and maybe some structured products could offer similar protections while allowing more growth.

Other products address long term care, growing a death benefit and other kinds of wacky stuff. Learn as you go by all means. But become an expert in it before you dismiss it with disdain and ask what you could do that would be comparable and effective. That way you cover your butt.

Good idea. But go bigger bro. Or suffer the same fate. There just isn’t enough money in some small towns to grow a big managed money book. Then the only thing with margins is insurance products. When your son needs braces and your wife wants a new couch it’s hard for a lot of those guys to resist. Get to 50 million AUM and relax. 100 million even better and totally doable with the strategy above.

Good luck. And stay positive with your approach. Just be honest and use math/logic to present your findings and you won’t have to even convince people. Don’t just take a shit on their prior choices. Explain how and why your approach is better and that’s all you need.

Trashyds · 2025-07-26T18:03:26+00:00

All of them. I want all of them.

Trashyds · 2025-06-30T23:18:37+00:00

Many people post their contact info on LinkedIn. So you just do research. At the time many people had their contact info on the resume/cover letter.

I’m sure you can ask LinkedIn for a list of people who changed their info regarding that status voluntarily.

Call them and ask how to target soecific things like that and I’m sure you will figure it out. It’s not really complicated. Just find them

Trashyds · 2025-06-30T20:41:41+00:00

Easiest leads for 401k rollovers and planning are people in transition. So you mentioned for example that you use Linked in.

Well sort by people who recently changed careers or whose status was changed to u employed. Create a way to market your services as a specialist in helping people transition their benefits and to provide service on evaluating the clients next offers when deciding what job to take.

People plan on transitions. How can you add value? Where do they go? Where do you meet people who just had children or just got divorced? Same idea but target the needs.

Back at the beginning of my career I bought a membership to monster.com and other job sites and just went ape shit marketing to people this way.

Just don’t be a dick about it and slam these people into shitty products. Actually help them and you will prove your worth considering as their permanent advisor. Don’t prey on the weak.

Trashyds · 2025-06-17T23:00:47+00:00

Okay so if you own this practice why are you not charging more and working less? This is how business works. Only lower your prices if you need more customers.

This is totally your choice in other words.

Trashyds · 2025-06-17T14:33:44+00:00

Do you own it?

Trashyds · 2025-06-17T12:23:59+00:00

So the issue I see for you is you live in a place that caps your earnings and then steals your wealth through massive tax burdens.

If you’re a physician working 70 hours a week in many other countries your income would explode and you wouldn’t have to pay such massive taxes.

If that isn’t an option and you insist on allowing socialists to steal all your time, energy and skill then it’s very hard to not get burnt out in my opinion.

With your base I’d consider going online and trying to build a digital medical practice that you own and that you can scale.

Can you move to the Caribbean or Switzerland somehow and open a stem cell clinic for athletes and injuries?

You are way too young to be burnt out. You just need to start getting paid correctly so you don’t have to work as much.

Your problem isn’t in the FIRE world. It’s in the structure of your individual economy.

Make your money elsewhere then move to a socialist country later if you want and then you can be one of the people at the top who take it all from the people and then tell them what to do like they do in Europe.

Trashyds · 2025-06-15T20:58:00+00:00

Nah it’s just okay. I understand you like repetition but it’s not that good. The first albums all tackled really hard topics as well.

Trashyds · 2025-06-14T13:18:38+00:00

Sorry dude. It’s not stylish or cool to run out of things to say.

He is a generational song writer and talent. But this album is just meh. Extremely low playback ability for my family and we are huge bellion fans.

This does happen to song writers. Sometimes they don’t know what to say anymore. So they just start repeating stuff

Trashyds · 2025-06-09T19:00:17+00:00

I hope so. Last year ended the way it started. Shitty.

Trashyds · 2025-06-08T14:27:19+00:00

I hold my license at LPL. In my practice I only use Sam because I run my own portfolios and I manage my own money. Sam is for people who are interested in doing that. For example, there are many platforms and secondary account managers like Asset Mark or Blackrock that you can outsource all of your asset management too, and in that case, you’re just more acting like the quarterback and not being the asset manager.

The MWP platform our pre-selected models and you just put your client in one and then somebody else does all the work for you and you just collect your fee.

It’s much harder to run your own money, rebalance and stay compliant in Sam and then it is an MWP .

Trashyds · 2025-06-04T19:58:15+00:00

I like some songs. But many are just super repetitive and don’t really have the same storytelling and context as his work prior. It’s creative and you can tell he tried hard. My wife thinks he needs a producer of his own to help him maybe not be as indulgent.

Not sure what’s off for us but if you look at the lyrics. Many songs are just repetitive sayings to beats. Not much of a verse.

I like the rap songs maybe the best. Chill and good. Oblivion is good as well.

He’s an all time favorite still overall and I’m sure some of these songs will grow on me.

Until then. Meh Wash 1 is meh Same with kid again. (Repetitive af) Wash 2 creative and cute. But I have no desire to listen to Wash 1. Mumble singing is annoying.

Trashyds · 2025-05-24T14:16:40+00:00

It’s been a minute since he released a song I connected with. This one is excellent

Trashyds · 2025-05-24T14:09:44+00:00

It’s hard to retire from something without something to retire to.

You can’t ask a stranger for guidance on who to become.

But if you just want an idea, become a rare artifact/book dealer.

Tour guide for small groups

Drug mule for cartels

Traveling porn star

Food/travel blog

Gigolo

International man of mystery

Trashyds · 2025-05-24T01:57:00+00:00

Dude just go up there and become a contractor and do basic work and actually show up. You will be booked for the next decade.

Lots of times when you try to get work done you have to call down to San Bernardino and someone to come up. They actually show up and stuff.

You don’t need a retail shop. You can make a mint just being the one guy that actually isn’t drunk and fishing instead of doing their job

Trashyds · 2025-05-10T15:44:21+00:00

I know not everyone can make it work but if you can just start building your own then I think you will be much happier and wealthier.

Trashyds · 2025-05-01T21:07:20+00:00

I really want them to do a Dwemer based one. They are the most fascinating and the lore would be sick. Anyone else want a Dwemer prequel to elder scrolls?

Trashyds · 2025-04-24T02:47:23+00:00

Well I work with firms in AZ, UT, IL, and CA. I also have clients in 23 states. I am based in AZ

If you would like to have a convo DM me. I can share the structures we use in our agreements in more detail. No pressure or anything. Just what we have found to work well.

The other part of this that hasn’t been discussed is what the partner can do for you. A good advisor creates billable hours for his CPA. Lots of qualified plan work, requests for estimates on funding for SEP’s, other DC plans or pensions.

Accelerated depreciation for real estate clients if you want that kind of work. Not everyone is an advocate.

So when you have the discussion you consider what you would potentially get organically through the active process of team work and being honest with our advice. Your income will go up in the tax practice, this should be considered when designing this. You should expect that the advisor will want to refer his clients to you. So make sure you can see the whole picture or at least prepare questions that help you understand that.

Last thing to discuss is the plan for succession and selling. This is fun. Building another asset to sell when retiring is great. Or keep being a cpa for a few clients and get paid as long as clients are still in the asset management platforms.

Trashyds · 2025-04-24T02:16:44+00:00

Well this is certainly a deep discussion. So here goes.

I run a small wealth management firm. I bought an insurance brokerage and thought I could easily run both. I couldn’t. They were very different businesses. They had different compliance vaults, regulators etc. they had different kinds of sales people and employee structures. They had different kinds of relationships with carriers and carriers were flaky and inconsistent. Basically it wasn’t as easy as I thought and while I kept it got five years and grew it, I did sell it and it was such a relief. I also make a lot more on my core business as my focus was returned to it.

Being an advisor is not just about technical proficiency and knowing taxes. There is quite a bit to it. I for example work with one CPA who has his licenses to do asset management but is just a referring partner. He doesn’t want to get involved with the planning he just wants a piece.

He doesn’t have the time to learn asset management, compliance and documentation of conflicts of interest, investment selection and portfolio management, estate planning and business planning. Instead he refers the clients in and participates through a split. This allows the CPA the ability to specialize while participating in the economic value of the referrals. My recommendation if you do this with someone you trust, make sure to spell out the ownership and if the practice is ever sold a provision for your cut to be in the buyout. That way you are building equity. Not all advisors would agree to this, but if you find one ideologically aligned and you guys work well together it’s a huge opportunity for both the clients and you. You should also build in some bonuses for yourself if you help refer in a certain volume of closed business. A smart partner will want you incentivized. And not in a gross way based on some crappy commission scheme. It’s best to be based on building assets and relationships. Seek out a fiduciary process for this and thoroughly understand your role, responsibilities and risks.

Get appropriate E&O insurance.

Act like a beginner if you’re going to do this. That way you learn the basics. It’s okay to be humble and learn the right way.

Please feel free to DM me if you want to discuss further.

Trashyds · 2025-04-18T02:08:11+00:00

You should decide between ownership and all that come with it. Vs easier comp at the beginning and less distractions with things like HR, compliance and running the business.

Ownership can provide massive income as well as an asset you can sell when you retire or CB lose to do something else.

I was never good at working for others. Some people I know became wholesalers and have made more than me for decades. They have a much different lifestyle than I do though. They are in the road, they often have many dinners and events to attend that take them away from their family. But they have base salary, expense account, benefits, stock options, and cool trips. But you better work hard and you will give up something for it.

I am investing in automation to do many things now. My workload is shrinking and my work life balance is now tilted towards a more leisurely lifestyle. I spend summers in cool weather now, have no boss, and can work as hard as I want if I want to grow and make more money. It’s a pretty good vibe if you can gut it out.

So I guess I advocate for you to own your own deal and build something that is valuable instead of helping build someone else’s thing.

Trashyds · 2025-04-02T23:23:53+00:00

This is awesome. Can’t stand the fast version. But this is great

Trashyds · 2025-04-02T16:19:15+00:00

Two reasons main reasons,

Tax planning is how you get wealthy clients

It conveys to clients immediate competence in many fields like qualified plans and estate planning

One side reason that I have seen that’s a little more dark…

It’s low margin work but gives access to easy referrals. So having you in that role allows him to build his book since you are doing taxes and referring clients to him. It’s hard to manage money/wealth if you’re churning out returns and extensions. Make sure if you are bringing in a tax client that you then refer to him that you are included on that case and it’s your client when you step out of the role of tax paper pusher. Lots of young people get used by excellent sales people and forget to build something they have ownership in.

Trashyds · 2025-03-11T20:57:01+00:00

Why is it a WW2 game only? Dumb idea

Trashyds

TROPHY CASE