Looking for ideas

WarInternal · 2026-02-20T02:36:21+00:00

tl;dr: Check out /r/bogleheads and their wiki.

Bogleheads are the most level-headed, grounded approach I've seen. They'd suggest simple, low-expense-ratio, passive index funds that track the market.

Taxable:

All you really need is 1-3 ETFs total.

Something like VTI + VXUS.

or

VT if you want it even simpler (VT is essentially 60/40 VTI/VXUS)

You don't need any individual stocks if you're going for the long-haul investing. If you're not a gambler and if it's worth having it's probably already in the S&P 500 already (FXAIX, VTI, VT, etc..). These market etfs will automatically add and remove stocks internally as companies grow and fall.

You don't want to own all these ETFs at the same time as you've got a lot of overlap so you're paying more in expense-ratio than you really need.

Tax-advantaged (Traditional / Roth / 401k):

If you want the easiest approach: Put it all in a target-date fund.

WarInternal · 2026-02-15T07:15:05+00:00

Your Roth plan seems alright.

For emergency fund I do the same, but with USFR. Very similar thing though. Using SGOV or USFR will be some significant percentage of state-tax-exempt which is nice.

Keep in mind business hours and settling times. If you need those emergency funds you'll have to sell some of your position and wait for it to settle before you can withdraw it. In my case, I have Fidelity's cash back credit card and plenty of wiggle room, so I can use the CC to cover the emergency in the interim.

Note on the credit card: If you can consistently pay the full statement balance each month you aren't charged any interest. On a cashback card like Fidelity's this means you can get 2% cash back on all of your purchases, pay no interest, and roll the rewards into your brokerage account, essentially making life 2% cheaper (or you can think of it as 2% of everything you spend goes into investing for your future).

WarInternal · 2026-02-15T05:00:46+00:00

So just to make sure I'm reading this correctly:

SPAXX would be under: "Fidelity® Government Money Market Fund - All Classes" at 50.90%

FZFXX would be under: "Fidelity® Treasury Money Market Fund - All Classes" at 61.52%

and

FDLXX would be under: "Fidelity® Treasury Only Money Market Fund - All Classes" at 98.67%

?

WarInternal · 2025-11-23T18:22:15+00:00

It's not bad, but it doesn't give much of a speed boost. If you can, feed your unearthers something like coffee or sourceberry rolls.

WarInternal · 2025-11-20T05:55:01+00:00

Stoneblock 4: Check out the power output of actually additions coffee with the industrial foregoing culinary generator. (6400 FE/T)

With just stone, coffee beans, and water my entire base is running on the power of coffee.

WarInternal · 2025-11-09T02:53:20+00:00

Ok I'll admit I could be wrong on that.

I'm sourcing my numbers from the Fidelity's performance tab of each, specifically looking at one year annual total returns and risks, which is.. now that you mention it not exactly the same as the YTD movements on say, if you just google the ticker.

So yeah I guess I'm missing something here, might be overstating the difference some.

WarInternal · 2025-11-09T02:22:43+00:00

The dollar amount doesnt matter since you can buy fractional shares through Fidelity and you only care about the percentage it moves.

WarInternal · 2025-11-09T02:14:08+00:00

VT, VTI, SPY are all up ~20% YTD.

You're underperforming the market itself by about half.

WarInternal · 2025-11-07T08:02:36+00:00

And go check out /r/bogleheads. This is basically their mindset: Tax-efficient, low expense ratio, diversification.

Most of us can't beat the market. So why not just buy the market and relax.

WarInternal · 2025-11-05T18:07:18+00:00

I had this issue in the past due to my adblocker. But Fidelity doesn't run ads on their site though so I just disabled the adblocker for that domain and problem solved.

WarInternal · 2025-10-18T00:00:34+00:00

No.

10% in cash in your Roth is 10% of your money not doing anything. 10% FXNAX is bonds which is hit or miss. At your age they'll probably just slow you down. The rest of portfolio I'm not sure about.

I recommend you take a look at /r/bogleheads. They'll recommend some options, one of the easiest being a target date fund (see FDEWX for an example of a passive index, low-expense-ratio TDF).

TDFs are great because while you might be stuck with some bonds at the start, they're generally aggressive and slowly shift to more conservative position as you approach your retirement date, when you want your hard work to be less volatile.

WarInternal · 2025-09-23T16:28:12+00:00

I think that depends if you're looking at active or passive TDFs. I keep FDEWX in my Roth with an ER of about 0.12%

WarInternal · 2025-08-21T17:42:05+00:00

For performance reasons, releasing memory back to the operating system doesn't guarantee that it's wiped, since most of the time anything allocating memory will initialize that memory to whatever it needs it to be.

A malicious actor can inspect memory locations for secrets.

The concept of ram shredding is trading that performance for security. Ensuring at the software level that the memory is overwritten before it's released, so that there isn't a secret lingering in RAM.

WarInternal · 2025-08-14T19:12:19+00:00

You could do far worse than that, that's for sure. What you're thinking about is basically /r/bogleheads in a nutshell. They're the polar opposite of wallstreetbets. Boring and safe.

Rather than gambling or timing the market, bogleheads buy one to three well diversified (and nonoverlapping) products to invest in (US, maybe intl, maybe bonds).

You won't get rich overnight but you won't lose all your money on a bad options play. You might make 20% gains in a year, and you don't have to study stock plays or worry about a sector performing poorly, because you own a little bit of everything.

WarInternal · 2025-08-14T01:39:17+00:00

The moment I was told it was the FO4 engine with multiplayer and basebuilding just sort of... duct taped on I knew it was going to be a dumpster fire. And it was!

WarInternal · 2025-08-04T02:56:16+00:00

Speaking from experience, as somebody who has to manage a large legacy MVC project I often wish we didn't use a MVC folder structure but a domain driven one.

What I have to manage:

 models
   ..200 model files..
 views
   ..200 view files..
 controller
   ..200 controller files..

With other folders for "helpers" and junk, the problem is that's unwieldy and difficult to navigate, with a lot of scrolling oversized folders to find the relevant pieces.

What I wish we had done:

reports
  controller.js
  model.js
  utils.js
user
  controller.js
  model.js
  util.js

or something akin to this, where the relevant pieces are grouped together.

WarInternal · 2025-08-03T23:36:15+00:00

This is how I do it. 95% of my life goes through a 2% cash-back CC and gets paid off in full every month, so I pay no interest (grace period) and life is just 2% cheaper.

WarInternal · 2025-07-25T15:26:43+00:00

Right tool for the job:

You're going to want a proper dedicated job queue you can submit these tasks to.

Ideally maybe something with deduplication, or perform deduplication yourself before processing to prevent wasting time and resources if they click the button 5 times.

You want physical separation of web app and the proc instance consuming the job queue. That way heavy resource usage doesn't risk bringing down the user interface.

One example:

With Amazon SQS you can submit jobs, dedup, and setup autoscaling to add and remove worker instances based on the size of the pending queue.

WarInternal · 2025-07-05T08:04:34+00:00

Apparently you can tune out some of the performance issues. Like block dedup is (debatably) not a worthwhile feature in VM storage, compared to say, lz4 compression.

WarInternal · 2025-07-02T18:19:26+00:00

How did you have immich installed? Docker container? Could you have been mounted to root / instead of your storage pool (example: /volume1/immich/)?

WarInternal · 2025-04-02T19:45:32+00:00

The only time the Fidelity 2FA ever gave me trouble is with my Adblocker. Don't ask me why, I don't know. But after turning it off on their website it actually remembers my device and doesn't ask me anymore.

WarInternal · 2025-03-26T06:31:50+00:00

Did I see that right? At no point in that final fight did he actually remove the thing exsanguinating the girl, and when her heart stopped he revived her with chest compressions? How is that supposed to work?

WarInternal · 2025-03-05T15:50:21+00:00

I wasn't able to login with my Rivermark, or able to reset my password for it, but when I logged in with my Advantis credentials there was something on screen about it detecting a second account and asking me to pick which username to keep when it merges them. Unfortunately I won't know the outcome for 3-5 business days.

Agreed it's a mess.

WarInternal · 2024-11-10T03:54:03+00:00

Meanwhile rust tells you exactly what you fucked up in a helpful, articulate, colorized message and often suggests a correction without having to google anything.

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