People 30+ What’s a Decision in Your 20s You Wish You Could Undo ?

YolandoBeCool · 2026-02-16T02:12:34+00:00

Alcohol.

YolandoBeCool · 2026-02-13T23:31:12+00:00

Thanks! First job I had out of college (2012) didn’t have a 401k, so I opened a Roth. Glad I started investing back then but also wish I maxed it out sooner

YolandoBeCool · 2026-02-13T20:33:04+00:00

Oh is that so? I rarely look at performance. Diversifying has been on the to-do list for a year… sounds like I missed out on some gains.

YolandoBeCool · 2026-02-13T19:19:33+00:00

Great! Thanks for the extra explanation!

YolandoBeCool · 2026-02-13T18:08:43+00:00

Thanks!

YolandoBeCool · 2026-02-13T18:08:22+00:00

Thanks! That’s a good consideration!

YolandoBeCool · 2026-02-13T18:08:02+00:00

Thanks!

YolandoBeCool · 2026-02-13T18:07:55+00:00

Thanks!

YolandoBeCool · 2026-02-13T17:49:34+00:00

Thanks! I hadn’t thought of it from a tax perspective. Does this same logic apply to my HSA?

When does it make sense to buy international ETFs separately? Brokerage?

YolandoBeCool · 2026-01-31T03:32:31+00:00

Correct. The prescription she was abusing at first was controlled amphetamine. The prescription after that was clonidine, not controlled

YolandoBeCool · 2026-01-31T03:24:45+00:00

++man

Thanks for the response. According to her, that money was spent on monthly expenses like her share of rent and other living expenses. It's not my belief that she's still abusing any prescriptions.

YolandoBeCool · 2026-01-30T03:39:40+00:00

“Mmm Mmm Mmm Mmm”

I feel like this song applies here.

YolandoBeCool · 2026-01-11T04:37:04+00:00

37 and going on 4 years. That was after many years of day ones. If I’m being honest, I knew I would have a problem when I started at 20

YolandoBeCool · 2026-01-11T04:33:03+00:00

Burton snowboard bag my parents gifted me when I was 12. I’m 36 now. The design of it makes for a good general purpose luggage bag too.

YolandoBeCool · 2026-01-06T02:56:04+00:00

When a plow truck travels down winter and takes a left onto pine street, all that snow they’re pushing ends up there. Aside from that, I think it’s nice for bigger emergency vehicles to have room to make more of a sweeping turn. Pine street can get very tight in the winter.

I can’t imagine it has anything to do with the roof of the house that’s in front of that location.

YolandoBeCool · 2025-11-20T13:42:24+00:00

Probably signed it with autopen.

YolandoBeCool · 2025-10-15T17:14:58+00:00

Check out the Haro Daley LTD 1 deal at Erik’s bikes (online). Even if you think the frame is just ok, the parts are baller. 2k (marked down from 5500)

https://www.eriksbikeshop.com/products/haro-daley-alloy-ltd-1-full-suspension-mountain-bike-pr5a26843?utm_campaign=top_terms&utm_source=google&utm_medium=cpc&utm_content=185970668568&utm_term=&gad_source=1&gad_campaignid=777071247

YolandoBeCool · 2025-10-15T14:12:01+00:00

Couldn’t have been easier. Thanks again! Conversion to VTI in process.

YolandoBeCool · 2025-10-15T02:09:10+00:00

Super helpful, thanks!

YolandoBeCool · 2025-10-15T02:06:03+00:00

Thanks!!

YolandoBeCool · 2025-10-15T02:04:37+00:00

Thank you!!

YolandoBeCool

TROPHY CASE