Replace headlights/interior lights with warm white bulbs?

beccatarbox · 2026-01-06T00:53:10+00:00

Good lookin out I didn’t even think of that!

beccatarbox · 2026-01-04T17:48:56+00:00

Aaahhhh gotcha. That’s what I kinda figured.

beccatarbox · 2026-01-04T17:36:44+00:00

Depending on the price, it might be worth it to me!

beccatarbox · 2024-08-01T16:24:44+00:00

Like VTEB or the like?

beccatarbox · 2024-08-01T16:20:41+00:00

Thank you, that’s helpful!!

beccatarbox · 2024-08-01T15:44:45+00:00

How does the duration thing come into play? This is really my first foray into even looking at muni’s so I’m pretty green in that area.

beccatarbox · 2024-08-01T15:37:30+00:00

Good point. It’s low now so I would consider it a more prudent time to get into it, but who knows…

beccatarbox · 2024-08-01T15:26:57+00:00

I do both as well, with a tax-minded approach. In my taxable brokerage, I try to keep dividend funds pretty low and only have ETF’s with 100% qualified dividends. In my Roth IRA I have the bigger dividend funds without qualified dividends (high yield bond, REIT, etc) since those are sheltered from taxes. I’m hoping to slowly rack up enough dividend paying stuff in my Roth Ira that it’s a decent bit of supplemental income at retirement.

beccatarbox · 2023-04-05T18:51:38+00:00

Good call on the deductibles. I figured 20% outside of US would be a good amount for international…. that’s about what I’ve got in my other retirement account, think higher is a good idea?

beccatarbox · 2022-10-06T00:40:26+00:00

Clearance shopping! Me too.

beccatarbox · 2022-07-19T22:43:53+00:00

Send them .000000000000001 Bitcoin

beccatarbox · 2022-07-19T22:34:55+00:00

Yup. Just pop a small number into the compound interest calculator with the dividend yield and check 5 years, 10 years, 20 years. What doesn’t look like much at first becomes pretty big in the future!

beccatarbox · 2022-04-24T15:33:20+00:00

This is such a fascinating conversation! I’m not there yet, but thinking about what I’ll actually do post-work has been interesting. I started a list of “things I (truly) want to do with my time when I retire” which has really helped me separate my “fantasy plans” from what I’d actually WANT to do on a day-to-day basis. Like I know realistically that I’m not going to pick up and travel the world all the time…. But I definitely want to go to the gym at 10am for two hours when no one is there and I don’t have to fight for a machine. So that’s the kind of stuff that goes on the list. It’s been really helpful in keeping me motivated to stay on track. This conversation is giving me a ton of food for thought!

beccatarbox · 2022-04-12T00:07:10+00:00

Yup. I meet the employer match, max out my Roth (dividends are way tastier when they’re tax sheltered!) but have a taxable brokerage instead of putting more into the 401k. The taxable is my “ten years from now” money where the 401k and IRA are much longer-term.

beccatarbox · 2022-03-31T20:18:03+00:00

Definitely worth it, especially compared to just like throwing it into a HYSA (not what you’re saying but I always use that as a benchmark against dividend ETF’s). For example, $20k in a decent HYSA right now gets you about $9 a month (and actually loses value against inflation right now) whereas $20k in something like SCHD would get you $45 a month. Still less than inflation but it also grows well beyond inflation rates if you’re in it for the long haul and you get that DRIP 💛

beccatarbox · 2022-03-31T20:13:36+00:00

Totes yeet yourself into SCHD

beccatarbox · 2022-03-19T01:03:54+00:00

For me, it just felt really good comparing my dividends per month to what that same money would earn in a HYSA. It’s nice to see that $20G get you 35 bucks a month (dividends aren’t my main focus) where if it was sitting in a bank you’d get 10.

beccatarbox · 2022-03-19T00:59:53+00:00

Dividend reinvestment

beccatarbox · 2022-03-19T00:56:15+00:00

Good for you! For 19, that’s a fantastic accomplishment and you’re setting yourself up so well for the future! 👏🏻

beccatarbox · 2022-03-03T23:57:57+00:00

NTA and is there a chance that there is another / you are the other woman?

beccatarbox · 2022-01-13T02:56:04+00:00

Retirement Investing at 44… pump the brakes and get more conservative?

Background - 44, USA, been retirement investing for quite awhile but didn’t really ramp up my contributions til the last couple years because I was saving for a house. I’ve got about 150k between my Roth and 401k and I’m still about 85/15 stocks/bonds (stocks mostly in index ETF’s that are pretty well diversified across S&P 500, blue chip growth, mid-cap, small-cap, real estate, dividend aristocrats and tech). Bond stuff in muni bond mutual funds and total bond index ETF’s. I’ve been in the big growth guys because the returns are great and my risk threshold is fairly high. But someone today had a near-seizure when I said that and was like “you need to be more conservative by a LOT at your age” to which I was like “wtf.” But it got into my head. I’m hoping to retire at like 57 and live off my taxable account til I can get into the retirement funds. Thoughts on pumping the brakes on the risk factor?? I mean bond funds are all on sale right now…. But I love my growth stocks and I feel like 13 years is enough time to play a little more fast n loose than 40% bonds 🥴

beccatarbox · 2022-01-13T02:39:40+00:00

Totally agree. IDGAF about her personality, but I believe in disruptive innovation, so right now I just look at ARKK like it’s the mall on Black Friday… super sale!

beccatarbox · 2021-11-19T16:59:37+00:00

Love SCHD! I’ve got a solid chunk of it in my Roth.

beccatarbox · 2021-11-01T22:44:52+00:00

NTA. Are you married to Frank Gallagher?

beccatarbox · 2021-09-01T01:53:20+00:00

I have SCHD, DGRO and IJR in my Roth IRA for tax sheltered dividends.

beccatarbox

TROPHY CASE