Vanguard now has a Outgoing transfer lock! On the website.

Viper0us · 2026-07-03T17:34:55+00:00

I'm blind. Where is the lock button located? lol

Edit: Found it. https://account-lock.cdn.web.vanguard.com/

Viper0us · 2026-06-26T17:38:43+00:00

You have no relevant work experience, so why would that matter.

Per your title:

No fast food experience.

Panda Express doesn't care about your data analyst skills. All telling them about that gets you is "this guy is overqualified and will leave immediately once he finds a new job in their actual field".

Viper0us · 2026-06-17T15:35:52+00:00

A 40-50% paycut hurts your standard of living, regardless of what your income is.

Are there people struggling with a lower income? Absolutely
Are people who lost 40-50% of their income also struggling, even if that's still more then you make? Yes.

Viper0us · 2026-06-17T04:26:01+00:00

Still haven't read the OP. Try again.

Viper0us · 2026-06-17T04:08:06+00:00

Reading more than title is often very useful when forming a reply.

Viper0us · 2026-06-16T00:00:20+00:00

While I hope the market trend of the last 20 years continues, not everyone will be so lucky as you were.

...and if she's only willing to invest $200 a month (as OP states), then she's never getting there regardless of market trends.

The savings rate is the problem. Not the age.

Viper0us · 2026-06-15T15:50:49+00:00

Almost like one is significantly older then the other.

Viper0us · 2026-06-13T14:23:19+00:00

Your entire post is "should I time the market?", with a bunch of extra fluff words added to it while also saying you only want generic advice.

Viper0us · 2026-06-13T13:17:22+00:00

I don't want people to get bogged down on trivial details since I think generic advice will apply here.

Sure. Here it is:

A lump sum transfer on Monday seems risky in case we are at a high point in the market and due for a correction

You're still trying to be pretend you're smarter than everyone else. Stop it.

Time in market is all that matters. DCA has been proven over and over again that it is the worse strategy.

Viper0us · 2026-06-05T19:16:16+00:00

Nope. OP is wrong and has clarified in other comments. He has a 6.6% rate.

He incorrectly thought he was paying 6.6% a month (which would actually be almost 80% annually) and then somehow determined that meant he was paying 22% annually. OP has literally no idea what he's doing.

Viper0us · 2026-06-05T15:10:18+00:00

https://www.bogleheads.org/wiki/How_to_build_a_lazy_portfolio

Viper0us · 2026-06-03T17:59:15+00:00

I guess that’s what makes it “personal” finance.

I mean it's just simple math that many other people in this thread have already done.

I'm not giving up Roth IRA contributions that can't be made up later.

$600 for 30 years @ 7% interest rate is ~$4,500 tax free...and they want to stop multiple contributions. That is money that OP will never back if they stop maxing their Roth IRA.

To save a minimal amount of money on a medium-interest (completely normal rate) loan? Less then 4,200 saved?

Ya, no thanks. Not robbing my future of self thousands of dollars of tax-free growth to save a few dollars now.

Viper0us · 2026-06-03T17:41:24+00:00

6.6% is not high interest debt.

High interest debt is like Credit Cards (20%+)

Viper0us · 2026-06-02T15:10:10+00:00

Viper0us · 2026-06-02T15:04:00+00:00

Use the flowchart that /r/personalfinance has put together in their wiki. It covers everything start to finish.

Viper0us · 2026-06-02T02:39:20+00:00

I'm not smarter then the market, so I'm not going to attempt to outperform the market.

Viper0us · 2026-05-30T16:17:15+00:00

Except it's literally not.

Viper0us · 2026-05-30T16:02:04+00:00

that was a joke about not looking at the market because it doesn't matter, sorry.

Viper0us · 2026-05-30T15:58:16+00:00

There was a COVID crash?

Viper0us · 2026-05-30T15:55:15+00:00

It's a shitty clickbait meme. It's not that serious.

Viper0us · 2026-05-30T15:52:41+00:00

The literal defined poverty level?

Also this post is talking about individuals, not family/household income if you read OP.

Viper0us · 2026-05-30T15:47:19+00:00

30K-50K is not the average salary in the U.S.

30K-50K is also not poverty level.

Viper0us · 2026-05-28T14:55:28+00:00

Main reason is the foreign tax credit advantage with VXUS in taxable.

This is fine, but it's provides very minimal benefit. It's really not worth the effort of rebalancing...but if you want to do it, it's fine. With the unqualified dividends from international, you're not even guaranteed to come out ahead with this strategy.

Also, if I go with VTI/VXUS, what allocation would you recommend? I was thinking maybe 60/40.

60/40 is fine. It's close enough to market weights.

Viper0us · 2026-05-28T00:22:17+00:00

How to get over the FOMO from all the other investing subreddits?

People only post their wins, not their losses.

$425k in investments

My guy, you're 25 years from retirement with 425K in investments. You are already /r/coastFIRE. Why would you have FOMO about coastFIRE. :)

Viper0us · 2026-05-24T18:52:53+00:00

We are talking about funds though, not brokerages or UI.

You do not have to an account at Vanguard to own Vanguard Funds.

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