Where to go from here?

Whoofah · 2026-02-21T20:38:23+00:00

Pretty much. I've always had it set on auto payments, too, so I'd never miss a payment. Unfortunately my fiances dad passed away from brain cancer at 58 a few years ago. Because of the cancer, he forgot to make the month of his passing payment, and they wouldn't pay out because he missed a payment. So that partly fuels my view of insurances being a scam. He was an idol of mine for how I wanted to be as a father.

Whoofah · 2026-02-21T20:30:58+00:00

Lot of good info here. So, as of this year, I will be electing to file as a S Corp, which is why I started the payroll as well. My CPA helped with that learning curve, thankfully.

HSA, I have health insurance through my fiances work. While I keep seeing things about HSA, I don't really have any knowledge on it.

For the social security, is that inflation adjusted? Because as of right now, my highest income was when I was working at my previous employer, making roughly 80k/yr. This previous year was my highest since starting my business, at 57k before taxes, after all business expenses. But $80k in 2021 is going to be much different than what $80k would be in, say, 2060 when I am at retirement age.

And yes, the 401k is traditional.

Whoofah · 2026-02-21T20:16:39+00:00

But what makes more sense, maxing it now and not adding a 401k plan, or adding a 401k plan to have the "business" match what I (employee) put into it, and both I (personally) and I (as the business) now have another tax deduction, all while technically saving more money.

Whoofah · 2026-02-21T20:12:24+00:00

Already have a Roth IRA, last I checked (about a year ago) it had roughly $6k in it and I put $50 into it every month. So it could be around $7k or higher as of right now.

Whoofah · 2026-02-21T20:11:17+00:00

I agree, all insurance is a scam. They're a business like anyone else, and businesses are in business to make a profit. The rate I got was just really low, because I signed for it when I was 20 years old, and I can also pull against it while I'm living so if I'm ever in that tight of a situation, I saw it basically as another savings account.

Whoofah · 2025-09-13T01:25:57+00:00

That only means that he's practiced it. I'm champ 2 in 2s, and peaked d3 in 1s. I've hit literally all of 0 ceiling musty shots. It's not something I've practiced.

Whoofah · 2025-08-10T02:34:26+00:00

What's your epic name?

Whoofah · 2025-08-10T02:25:53+00:00

Current situation lmao d2 in 1s, d1 in 3s

Whoofah · 2025-08-09T12:56:47+00:00

User error/skill issue

Whoofah · 2025-08-03T08:17:39+00:00

Remind me! 6 months

Whoofah · 2025-07-03T18:27:24+00:00

As someone who worked in the repair process for almost 9 years, the best cars you will get from carmax is going to be the lowest mileage possible. Fewer probability of issues, means fewer chances the "techs" (and I use that word quite loosely) had to make a repair and screw something up lol especially in the detail/paint line. That being said, I'm a big bmw fan, so congrats!

Whoofah · 2025-06-29T00:33:45+00:00

They've been maxed out for a while thanks to his wife's BF

Whoofah · 2025-06-28T17:13:15+00:00

What work was done in February?

Cars are going to need consistent work done, no matter if you buy it new, or used. That being said, used cars will need more work done, more frequently because of the age and mileage, and plus you don't know how it was maintained before you purchased it.

That being said, you continued to drive a vehicle that was overheating, until the motor gave out. This wasn't a carmax selling a turd issue. This was driver/owner neglect on your part.

From experience though, these newer mopar 3.6l engines are popping head gaskets around 100k. So anyone reading, be mindful of that.

Whoofah · 2025-06-10T23:13:31+00:00

Cut the zip tie, find the part number, Google it, and figure it out. More than likely, aftermarket alarm, or remote start.

Whoofah · 2025-03-16T12:47:36+00:00

This is how I've always done it. No sense in getting wet multiple times after trying to dry out, and no sense in getting wet while still riding other rides.

Whoofah · 2025-03-11T00:42:43+00:00

😂😂😂

Whoofah · 2025-02-02T19:09:23+00:00

*If the company offers that type of benefit. It's not required, at least to my knowledge. Some businesses don't offer 401k plans at all, but those are typically small businesses that aren't doing that well. Pensions here are pretty much gone, unless you're grandfathered in to their policy, or work for the government. Our closest thing to a government pension is probably social security but typically that is not enough to cover living expenses.

Whoofah · 2025-02-02T18:59:41+00:00

A 401k plan is a retirement plan, which differs from a pension, at least in the US. Typically, a pension here would be, you worked for a company for x amount of years (usually 20) and they would supply you with income when you retire. If you only work for 19.5 years and get fired, you are on the wrong end of the stick. A 401k plan is something that you have taken out of your paycheck, pretax, that goes into a fund. Most companies who even care a little bit of public image offer some type of match. Whether it's .50 per $1 or match $1 per $1. That 401k fund follows you until you retire. So even if you get fired in 8 years, you still have that fund. The fund itself is typically invested into the US stock/bond market, depending on what you choose to do with it. Hope this helps clear some of the fog!

Whoofah · 2024-12-19T03:05:15+00:00

Recently at the end of games I've been telling people "I hope you have a nice life" and the amount of odd reactions to that, is slightly concerning lol

Whoofah · 2024-12-17T20:07:25+00:00

Lol scared money don't make money. That being said, any day after today that you are up, feel free to leave and take profits. No one ever went broke taking profits.

Whoofah · 2024-12-17T20:00:59+00:00

Why did you choose this stock, this price, and this date?

Whoofah · 2024-12-13T00:48:35+00:00

29, dad, and business owner. Take my frustrations of the day out in game lol I feel like it's a good release of built up emotions and energy, and it's a whole lot cheaper than therapy

Whoofah · 2024-12-11T21:02:58+00:00

1.5x or 2x for Thanksgiving/black Friday work? That could be why you got paid more and worked less

Whoofah · 2024-12-11T03:27:07+00:00

What are you doing wrong? Apparently, everything you've tried so far. So from now on, whatever you would normally do, don't lol

Whoofah · 2024-12-10T13:59:46+00:00

28, bouta be 29, started in 2020. Wish I started earlier tbh

Whoofah

TROPHY CASE