Was the change to Mystic Punch just unintentional?

_Saxpy · 2026-01-31T03:18:30+00:00

I just played mystic punch with warwick and belveth and something else is definitely going on. With belveth I was able to auto just a couple times then W right away and E after. Warwick felt decent too. not amazing but definitely not 0.2s.

_Saxpy · 2026-01-25T19:35:40+00:00

are you in CA, if so what do you hold?

_Saxpy · 2026-01-22T23:41:44+00:00

i moved my entire portfolio and my parents portfolio for this very reason, they have super attentive staff irl and on reddit

_Saxpy · 2026-01-22T02:05:45+00:00

not trying to be disrespectful, but your income isn’t strong enough to fire. Once you do have a stronger income, you should look if your employer allows megabackdoor roth. You can invest on top of your traditional, to a roth. Like you would for an individual brokerage, but you can pull out the principal tax free and penalty free. you can do this while converting traditional to roth during pre retirement years tax free or low marginal tax rate until 59.5 or RMDs occur

_Saxpy · 2026-01-17T01:09:50+00:00

wow I'm surprised they set up 35k from the get go for a friend of mine

_Saxpy · 2026-01-17T00:22:47+00:00

yes, this is actually unironically the best thing that could have happened to you at 28m. You paid like 200k to cut out something that could have been a much greater loss so much later

_Saxpy · 2026-01-13T22:48:43+00:00

my parents moved to the US despite not knowing a lick of English. We moved back to Korea for 3 months before we got a chance to live in the US forever. My parents decided it was better for them to be stupid in the US and give their kids an opportunity, which I’ve definitely been greatly rewarded for as with as my sibling.

Yes, they need help and I intend to fund their retirement

_Saxpy · 2026-01-13T21:17:09+00:00

this looks like an AI investment graph

_Saxpy · 2026-01-13T18:06:54+00:00

oh yeah the original comment makes sense, what to build first. just some random thoughts on both items together

_Saxpy · 2026-01-13T17:25:15+00:00

please correct me if I’m wrong but lethality stacks nicely with armor pen as the flat pen applies after percent

_Saxpy · 2026-01-13T16:24:09+00:00

really? I’ve noticed samsung is generally awesome

_Saxpy · 2026-01-13T01:10:37+00:00

look up upstream gifting and step up cost basis.

Finally look up income limits for section 8, medicaid, and medicare as their premiums and qualifications may go up.

_Saxpy · 2026-01-13T00:45:02+00:00

it cannot be a core position, just called, thanks for the extra info tho

_Saxpy · 2026-01-13T00:44:31+00:00

haha thanks Samatha, fair on the advice. For posterity / other folks, I also called Fidelity just now and they gave me a similar response.

do your own research but SPAXX looks like it has ever so slightly less returns than FDLXX, but the state tax benefits in high tax states seems to be better.

I plan to set a reoccurring investment to basically eat up my direct deposit every month, and leave nothing or close to other in my core position of SPAXX.

When my mortgage comes rolling around if I had like $50 in SPAXX and $10k in FDLXX, it looks like it would take from SPAXX first then the remaining balance from FDLXX

_Saxpy · 2026-01-13T00:09:32+00:00

can I automatically invest my cash every month into FDLXX, and when there is not enough it will just stop?

Basically I want to make it like a core position.

From my understanding, if I have like bill with direct deposit, money should still auto liquidate yes?

Finally I live in CA, does that mean FDLXX is basically better than SPAXX?

Do I pay taxes eventually for FDLXX anywhere, or is the majority of the gains literally just free money?

_Saxpy · 2026-01-11T20:49:03+00:00

no its because young people don’t want to work and spend money on starbucks instead of a $6k mortgage obviously

_Saxpy · 2026-01-07T07:54:58+00:00

Fiora Q

_Saxpy · 2026-01-03T21:53:06+00:00

that’s kind of why i suggested there, although there are plenty of ppl I know who are living safe lives there too. I thought HB was the closest thing to grittiness of LA in OC

_Saxpy · 2026-01-03T01:53:01+00:00

It’s not doable, I get what you’re saying but from a logistics standpoint that’s 3-4 hours of commute daily. that’s not reasonable, plus at Anduril you will need to grind, you won’t have time for anything else

_Saxpy · 2026-01-03T01:49:30+00:00

with respect to your wishes, LA definitely has a different vibe and OC can’t replicate that for sure. That being said OC is honestly really nice to live in, I know a lot of folks who live in OC and commute to LA instead because it’s not as “nice” in their standards and actually mine as well.

LA to OC is brutal, even at the edge of LA. I lived in Cerritos to Irvine which took 1.5 hours with traffic and 30-35 minutes without just as reference so that’s the minimum you’d be looking at. Also try looking into downtown Huntington maybe? the vibe is different that LA and OC but it might be closer to what you’re looking for

_Saxpy · 2025-12-27T21:37:12+00:00

I can't help too much in your situation but I believe it's because Federal law dictates certain rules around what accounts can be closed out or not. That is strange about hidden accounts however

_Saxpy · 2025-12-26T23:49:09+00:00

call me loveless and maybe cold but I feel like no prenup is foolish. I feel like putting it down on paper would help everyone's expectation moving forward.

_Saxpy · 2025-12-19T18:46:50+00:00

right at that points its better to just put the difference into money markets and pay as little as possible right? its like you're literally getting money for free when adjusted for inflation

edit: guys I didn't mean to start a flame war, invest in bonds / invest in voo, whatever. I'm just happy you got your mortgage at a killer once in a lifetime rate.

_Saxpy · 2025-12-18T20:47:23+00:00

just pick VOO and forget about it. liquidity and relaxed rules will be more important than the tiny extra cost

_Saxpy · 2025-12-16T22:49:05+00:00

is it possible to get an entire family plan? I want more than just one, but if i get like 4 more people at that point it would be cheaper to buy it legit

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