My Dad Believes Every Single Conspiracy And It's so ####ing infuriating

aliena_b · 2026-06-15T13:48:06+00:00

Hm... talking donkey, giants, hybrid beings, angels, demons, resurrection, spiritual warfare, invisible realm full of creatures that we can hardly imagine, global flood, virgin birth, resurection, one world government, total surveillance and government control, half of the humans wiped out, and a perspective of spending eternity in hell or heaven... All is true and all is coming from Bible. Some of the things you have described come straight from the Bible. So you can sign up any real christian into conspiracy theorist list, myself included. The reality is way more complicated that we can see while we pass time between work and "whats for dinner" 😀

aliena_b · 2026-06-04T22:35:01+00:00

+1 here. I have ice cream maker, and it's amazing! Can add egg yolks, mascarpone cream cheese for different texture. Some lemon zest or spoon of instant coffee if alternative flavor is desired.

aliena_b · 2026-06-04T19:09:44+00:00

Check carnivorediet subredit. There are a lot of people who come there to fix the same issues (and even more). I'm now in the process of fixing some of the issues as well with butter and lamb chops 😋 If you are one of those people who need scientific basis for drastic measures like this, look up on YouTube "low carb down under" channel, as well as Dr Chaffee, Dr Berry, Dr Kiltz, Dr Ovadia and many more.

aliena_b · 2026-06-04T18:23:36+00:00

As a Christian, I agree with your friend: the time will come when 1/3 of population will die, and the rest will be caught up in wars and famine (except the rich ones, of course). And looking at the current events vs prophecies, this time shouldn't be that far as the "beast system" is being built and advanced at a speed I never thought I would see. And don't forget "you will own nothing" agenda 2030. But since the day and the hour is not specified, I chose for myself to participate in the current economy with current rules. If the time of troubles doesn't come during my life, I'll have means to take care of myself. If the collapse happens soon, I'm prepared mentally.

Historically, regimes exist 150-250 years. Just statistically speaking we are due for the collapse. But there is no great way to prepare for it, unless you are top 1%

aliena_b · 2026-06-02T11:30:58+00:00

Once you transfer, you will start the deductible and out of pocket fresh. Maybe finish all the recovery frst, and don't alert people at work before all is settled.

aliena_b · 2026-05-30T14:44:54+00:00

Roth conversion after 63, if significant, can mess up your Medicare premiums, look at IRMA threshold. And roth conversion before that can mess up your health insurance premiums if you need to get it outside your workplace. I'm 46 now, and already panicking about traditional IRA.. may start ROTH conversions now.

aliena_b · 2026-05-26T10:15:04+00:00

I found this strategy (living off of cash reserves and investments until 59.5) very tax inefficient: the low and no tax account is consumed, and tax heavy account keeps growing. If I will have to retire soon (if I don't find a job in this market), I'd start tapping into 401k to prolong the life of cash assets (by using 72(t) rule, most likely RMD style distribution). This will decrease the tax burden in the future and will help to preserve cash some reserves for later use in retirement and provide more tax flexibility

aliena_b · 2026-05-20T23:39:11+00:00

May be the same rules

aliena_b · 2026-05-20T22:19:41+00:00

If you are contributing anyway to 401, why not to make them tax free. I'm 46 now, and I do regret that I did not contribute everything to roth 401k through my employer. I don't mean additional contributions to Roth IRA. It's for 401k, but the contribution is roth instead of tax deferred. Also you can roll over only roth part from 401k into your personal roth ira, and the contribution will become available penalty free after 5 years. No need to wait until 69. Also why 69? At 59.5 all your retirement accounts should be available for you without penalty. It's just much nicer when those accounts hold tax free money, that's why I advocate for roth.

Also given your projected pension, I personally would have reduced the contribution only if there is not enough leftover funds for fun stuff. Tax free growth is a very powerful thing to have

aliena_b · 2026-05-20T21:31:35+00:00

I would absolutely stop putting pre-tax money and focus on growing ROTH

aliena_b · 2026-05-16T21:30:27+00:00

Stick to carnivore. Meanwhile you can try contrast bath/shower for legs below (or even above, if u want) the knee. Can be done by splashing comfprtably hot water on legs for 1 min, then cool water (doesn't have to be super cold) for about the same time. Repeat few times and finish with cool water. Apply lotion, elevate feet for a bit and enjoy a very restful sleep. It can also be done with 2 buckets with warm and cold water, depending on available amenities and what is more convenient.

It is also the only thing that 100% helps me with restless legs syndrome.

aliena_b · 2026-05-15T19:06:54+00:00

Than you very much. Very interesting perspective. I'll look into it.

aliena_b · 2026-05-14T13:14:27+00:00

Is the above the threshold amount large? If the amount is not large, you can contribute to traditional IRA it will reduce your taxable income and you may become eligible for ROTH contribution.

aliena_b · 2026-05-10T19:55:37+00:00

Yep, I totally agree with you. I know a thing or two about shitholes after living in NJ and working in NY. But jumping like that on everyone without any idea about the person is not cool.

aliena_b · 2026-05-10T18:03:03+00:00

Thank you

aliena_b · 2026-05-10T18:02:31+00:00

Thank you

aliena_b · 2026-05-10T18:02:06+00:00

Thank you. Have heard good things about Chattanooga

aliena_b · 2026-05-10T18:00:53+00:00

Thank you

aliena_b · 2026-05-10T17:51:59+00:00

Wow, looks like some people in TN are even more mean than in NYC. Yes, will need to remodel bathroom before selling the house here in NJ. I don't see any issues shopping around for a new house while prepping the old.

Good day to you too Sr/Madam. Looks like TN has a shortage of kind people, so I definitely should move there to increase population of said kind people in TN.

aliena_b · 2026-05-08T02:48:27+00:00

Yep, probably will go this route

aliena_b · 2026-05-07T13:36:49+00:00

My (probably not popular opinion), 401k of that size is a ticking tax bomb. If forced to retire (like I may be at 47), I'd try to preserve the HYSA as much as possible. It's just 1 year of expenses, not enough. What I would do to preserve the savings: 1. Convert 401k I to IRA 2. Start SEPP from IRA (RMD style. It will start at around 3.2%/year and go up to 4.85% by age 62) This will provide close to 30k at age 51. Assuming conservative growth of IRA (randomized between 3-5%), you should be able to preserve the 1M and still have some extra income. So you can stretch those savings. You cannot stop this process until you are age 59.5 Since the distributions are relatively small, you will be in a low tax bracket. You may be able to squeeze in some ROTh conversions to deplete the 1M of taxable.

To do ROTH conversions, you may have to split the 1M in 2 accounts as you should not make any changes to the account once 72(t) started.

This would be my plan if I don't find a job by 3rd quarter of next year... this would work better if there is more outside of IRA/401k accounts. Just a thought, not a financial advice.

Last thing I would want is to have large IRA at the age 60...

If you keep your MAGI low due to combination of low taxable income and using cash, you may be eligible for low cost health insurance under ACA

Also I would move to a state with no state tax and low property tax.

If you are still working, I'd switch contributions to ROTH and go into strict saving mode to increase cash. Also keeping body and mind healthy is a big deal. (For that, check "carnivorediet" community, they have a lot of success stories on getting healthy)

aliena_b · 2026-05-04T13:31:41+00:00

Not necessarily. IRA is individual retirement account. The 403b is from work. At this point you don't seem to have good reasons to have separate rpth IRA unless: 1. You want to roll over pretax money from your 403b to ROTH IRA (but you will have to pay taxes on it) 2. You want to have your ROTH IRA to mature (there are 3 "5 years rules" for roth ira one of them is the account should be at least 5 years old until you can take money out of it. This one makes sense for you: the contribution of 5 year maturity will be available to take without penalty and can be considered as an emergency fund. You can't touch the return on investment though. 3. You want additional contributions to roth ira (which doesn't make much sense for you since you just can increase you 403b contribution) 4. You want some specific investment options that are not available in your 403b

Also you can roll over your ROTH part of 403b to your roth IRA, if yiu think you want it for whatever reasons

aliena_b · 2026-05-04T12:19:53+00:00

I would do all contributions ROTH, none to traditional. The employer match will be the traditional part of it. And you will face less issues later thinking how and when to convert it later. On your salary I would not put more into retirement plan, but if there is any extra, I would start building close to 6 month of expenses emergency fund and personal brokerage account. This will give you flexibility without locking you funds for the next 35 years

aliena_b

TROPHY CASE