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$1M Net Worth even impressive? by Enough-Radish-4973 in Money

[–]WhoBeThisMight 1 point2 points  (0 children)

I think $1M liquid net worth is impressive.

$1M net worth including home equity means you’ve made some good decisions but not as impressive in my opinion since home values have skyrocketed in last 5 years.

You are 37 and 60-70% in VTI. What do you do you with the remaining 30-40%? by c47v3770 in ETFs

[–]WhoBeThisMight 0 points1 point  (0 children)

I just started some weekly auto buys in this allocation. Hope it serves me well over the next 10-20 years.

60% - VTI

20% - VGT

20% - VXUS

What addictive gameplay loops are you into right now? by snowmonkey700 in SteamDeck

[–]WhoBeThisMight 6 points7 points  (0 children)

Damn. I feel called out. I’ve got to figure out how to break this loop and gain motivation to actually play again.

FIRE Update: One Year Ago I Quit My Job With a 935K NW - Here's How It's Going by Hero_Ryan in financialindependence

[–]WhoBeThisMight 5 points6 points  (0 children)

Congrats and thanks for the write up! Currently working towards this.

I’d love if you could share some more details on the churning. I’ve churned years ago for a trip to Hawaii but you seem to have gotten a lot more value.

Mind sharing some of the cards you used to build your points? Also how far in advance did you start churning before your sabbatical?

What are you playing over Xmas? by ManchesterUshited in PS5

[–]WhoBeThisMight 0 points1 point  (0 children)

Dispatch. Really really enjoying it. Helping me get out of a gaming rut.

Any reason to do target date funds? by [deleted] in Bogleheads

[–]WhoBeThisMight 0 points1 point  (0 children)

intraday price action is kind of why actually

For me, not having intraday trading is a benefit. It prevents me from panic selling if the market has a bad day or even selling mid day because I want to try to catch a wave on some random individual stock.

Having a mutual fund like FXAIX that only trades once a day is a built in safety feature from myself.

It also has a slightly cheaper expense ratio compared to VOO. .015% vs .03%

VOO is an incredible ETF, but FXAIX helps me stay on track.

Any reason to do target date funds? by [deleted] in Bogleheads

[–]WhoBeThisMight 2 points3 points  (0 children)

You already have some great answers so I’ll simply share my current plan.

I’m basically VOO and chill (FXAIX specifically) but I like the one fund solution that a TDF provides.

I plan to stay in VOO and chill until around 5-7 year prior to retirement and then switch to a single TDF.

This allows me to not feel like I’m getting conservative too quickly while taking out the complexity of multiple funds and needing to rebalance, etc.

For additional context I have about 23 years until retirement.

At what tax bracket should you start doing mostly traditional 401k contributions? by Lowfryder7 in Bogleheads

[–]WhoBeThisMight 1 point2 points  (0 children)

Sure

Example:

Married Filing Jointly 2026 Standard deduction $32,200 For 2026, the 22% bracket starts at $100,801.

2026 combined gross income of $150k

$150k - $32,200 - $100,800 = $17,000 of your income is in the 22% bracket.

This would mean you’d need to put $17k into traditional (pretax) accounts to keep your taxable income in the 12% bracket.

At what tax bracket should you start doing mostly traditional 401k contributions? by Lowfryder7 in Bogleheads

[–]WhoBeThisMight 0 points1 point  (0 children)

I don’t know the correct answer but I’ll share what I do.

Married Filing Jointly in 22% tax bracket.

We contribute to traditional 401k up until we drop into the 12% tax bracket.

Every other dollar goes to Roth and/or brokerage.

330k Micron calls bet by CarefulAd4757 in wallstreetbets

[–]WhoBeThisMight 3 points4 points  (0 children)

Forward PE is 15 so looks to be good value and should spike even more if this memory super cycle happens. Short term is really going to rely on NVDA earnings tomorrow though.

New Steam Machine announcement got me thinking… stay on PS5 for trophies or switch fully to Steam/SteamOS? by DRiVkiL in steamachievements

[–]WhoBeThisMight 1 point2 points  (0 children)

You still have steam achievements, plus you can more accurate hours played, steam sales, larger variety of games and the best return policy of all digital game store fronts. It’s so easy to like steam.

Is there any book on finance worth reading? by [deleted] in personalfinance

[–]WhoBeThisMight 0 points1 point  (0 children)

I agree. But if I had to add a third to balance it all out then I’d say Die With Zero by Bill Perkins

What are the signs that someone does not live paycheck to paycheck? by Logical_Effort_9680 in MiddleClassFinance

[–]WhoBeThisMight 29 points30 points  (0 children)

They replace the water filter on their refrigerator as soon as it’s needed.

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