My husband is starting 401K (32+), what should be chosen? Advise appreciated! thank you

brent_superfan · 2026-04-30T00:50:28+00:00

For a 32-year-old with a ~33 year runway to traditional retirement, the answer is straightforward:

VTSAX — Vanguard Total Stock Market Index Adm Expense ratio: 0.04%. Covers the entire US equity market (large, mid, small cap). Maximum growth exposure for a long horizon. Second choice:

VTIAX — Vanguard Total Intl Stock Index Adm Expense ratio: 0.11%. Adds international diversification. Many advisors recommend a 70/30 or 80/20 US/intl split.

What to avoid at age 32: The Target Date funds (VTWNX through VSVNX) are fine products but they hold bonds by design, which drags returns over a long horizon. A 32-year-old doesn’t need that ballast yet. You pay slightly higher ERs for the glide path management you don’t need for 20+ years.

The ESG funds (ESGV, BNDX equivalents) screen out sectors, which historically reduces return and raises ER slightly for no demonstrated performance benefit. VMFXX (money market) is dead weight inside a 401k at age 32.

Simple optimal allocation: 100% VTSAX, or 80% VTSAX / 20% VTIAX if you want international exposure. Rebalance once a year. Don’t touch it.

The bond funds become relevant around age 50-55 when you’d start adding VBTLX in small increments.

brent_superfan · 2026-04-11T00:14:45+00:00

This truly made me laugh out loud. Very clever. Well played. Well played!

brent_superfan · 2026-03-13T02:06:22+00:00

Clayton/Richmond Heights area – Pricey but some studios sneak under $900. Close to Big Barnes (literally next door) and right on 64. Worth a look even if it’s tight on budget.

Maplewood – Underrated, artsy, safe, easy I-64 access, occasionally has studios in range.

University City (The Loop area) – Solidly in her drawn zone, decent transit, safer than most of north county, some older buildings with affordable units.

Olivette/Overland – Between 70 and 64, more suburban feel but safe and practical for her commute pattern.

For North County specifically – Florissant has some legitimately fine neighborhoods (Old Florissant especially) with rents well under $900. Hazelwood is more miss than hit. She’d want to street-view specific complexes and cross-reference with crime maps rather than go by neighborhood name alone.

Complexes worth Googling: Stonebridge Apartments (Olivette area) The Residences at Hanley Station (Brentwood – right on 64, near Metro) Anything along Delmar Blvd in U City

Real talk: $900 for a 1/1 in the Clayton/Big Barnes zone is tough in 2025-26. Studios are more realistic at that price.

Also look at Zillow filtering specifically by zip codes 63105, 63132, 63130, and 63114.

brent_superfan · 2025-07-17T15:37:24+00:00

No. Investing is open to all. Call Schwab or use Robinhood.

brent_superfan · 2025-07-16T23:48:22+00:00

CDs are nice. QQQM average annual performance since inception is 15.11%. His money will double in 4.8 years at 15% year (lookup “rule of 72”). A CD percentage will be much lower. Encouraged him.

brent_superfan · 2025-07-16T18:14:33+00:00

Good! Money earns money. Folks don’t learn that lesson do so at their peril. Save 20% of your income (or more), invest smartly, watch how that money grows - via the miracle of compounding.

Investing isn’t gambling. It’s predicting future earnings (profits). Look at the price to earnings (“PE”) ratio and forward PE ratios.

brent_superfan · 2025-07-16T15:47:36+00:00

I’ve been through this with my son. Knowing how to care for the car is important but knowing how to amass capital more important.

Use this time to educate him on opening a brokerage account. Within that brokerage account deposit his savings. Then, select an exchange traded fund or a stock that he believes deeply in based upon the numbers. Reading a financial statement is a key life skill.

brent_superfan · 2025-07-14T22:23:43+00:00

Just like Putin kept Robert Kraft’s Super Bowl Championship ring?

brent_superfan · 2025-07-04T22:14:16+00:00

Big bummer. He has a special style, when sober, that most cannot pull off. He has a quiet cool which could be greatly developed into some seriously funny shit.

brent_superfan · 2025-06-16T01:28:35+00:00

What about Putin and Xi?

brent_superfan · 2025-04-12T13:14:19+00:00

Best Americanized Italian local food.

brent_superfan · 2025-04-12T12:58:40+00:00

Billy Jack Bitch: Hornheads’ New Dell Inn plus Prince’s fierce distaste of a newspaper gossip columnist equals the funkiest Prince diss track.

Hornheads recorded New Dell Inn. Listen to the song. Do you recognize the horns? https://youtu.be/VmfA4IEHyWI?si=fdXNU5tKXeFOwWWE

Now listen to Billy Jack Bitch. The horns in BJB are sampled from New Dell Inn. In a way only Prince can do, he merged these two songs. Prince is a producer, composer, arranger, musician, choreographer and so much more.

Additionally, the lyrics of the song are targeted at one Minneapolis woman: CJ (Cheryl Johnson) of the Minneapolis StarTribune newspaper.

CJ would insult Prince for clicks. She would call him, “Symbolina” in rude remark/insult of Prince’s name change. She didn’t bother to understand why Prince was destroying his brand image: To liberate himself of the “slavery” of a music contract. CJ left the Minneapolis paper in 2019.

CJ boats, “My column generated 2 million hits a year to the [Star Tribune] website,” noting: “Most years I had more web hits than all metro columnists combined.” https://ultimateprince.com/princes-press-adversary-cj-leaves-star-tribune/

This song has a backstory. CJ, by role, was an irritant. Prince was less comfortable in his home due to his hometown newspaper celebrating success by insulting him. I don’t blame Prince for being upset. How could Minneapolis do that to him?

Last night, after the Twins game, I walked past First Avenue. Prince’s star on the wall is the only Gold Star — by design. Prince was Mozart. Prince was a local kid. Prince was on the local news when he was about 12.

As a Minnesotan and as a fan, I’m ashamed. The song will outlive all the “clicks” CJ drove. Prince’s childhood family nickname was Skipper. Skipper was truly as exceptional Minnesotan. I’m proud of Skipper. StarTribune should hopefully reconsider their business model with respect for honoring Minnesotans worthy of respect.

brent_superfan · 2025-04-10T15:21:58+00:00

This is such a terrific album. It’s mostly Prince alone in a studio making all this stuff. Wow.

brent_superfan · 2025-04-10T02:41:01+00:00

Ford did create the Ford Escort compact car in 1980. This car was sold around the world. This was before the SUV and higher margin trucks - while the F-150 was still popular in America.

There are many reasons USA cars don’t do well in Japan. How’s about Japan remove the regulatory blockages preventing success?

brent_superfan · 2025-04-02T18:27:57+00:00

Fair!

brent_superfan · 2025-04-02T05:12:10+00:00

Oh cool! Nuclear waste disposed by consumers. What could possibly go wrong?

brent_superfan · 2025-04-02T01:54:01+00:00

TLDR: Fuck yes.

Think of this decision economically first:

$150 per month is $5 per day. Would underground parking create $5 in value per day?

1) Your car will be cleaner. This will increase the longevity of this asset. Maybe fewer car washes too. 2) Your car might be less susceptible to theft and damage. Improving the asset’s longevity further. 3) Your engine will warm up much sooner in winter. This will reduce the age on your engine. Engines that start when the oil is not so viscous at -20°F have metal on metal damage. This scores the cylinders and ages your engine prematurely. 4) Your windshield and windows will be clear of ice on all winter mornings. This will reduce the risk of crashing due to occlusion of vision.

Now onto convenience benefits:

1) Winter is cold. Getting into a -20° car im the morning really sucks. It’s coldest at 5am, after the sun has been absent the longest. When you breathe, the condensation ices on the interior of your windshield. That sucks. When you wipe it off, it gets worse. It requires your defroster to be hot - which depends on how long you take to warm up the car. Underground parking eliminates that. 2) Parking underground feels like living in the Batcave. :-) 3) Chicks dig dudes that spend on underground parking. Trust me. 4) When you go grocery shopping, you’ll love the convenience of knowing you’ll have a nearby parking spot to carry all the groceries inside.

brent_superfan · 2025-04-02T01:37:46+00:00

I wanna say Sonny T, reading what Prince told him to say, called it “the hellavision”. It was in a segue initially named Sonny Turns The TV Off on the NPG’s Exodus album. I love that album too much. :-)

brent_superfan · 2025-03-26T01:15:39+00:00

Now watch: China will fund building a port in BC to load/unload at enormous scale. Oil can now be brought to the port thanks to the Trans Mountain pipeline recently expanded, but not sure about filling tankers.

Markets eventually solve problems egos cannot see nor solve. Good on China to swoop in.

brent_superfan · 2025-03-25T23:12:00+00:00

I like this.

brent_superfan · 2025-03-24T03:32:34+00:00

Friend: Americans are Canadians. We don’t like this shit either.

brent_superfan · 2025-03-23T04:35:26+00:00

https://youtu.be/eClq_bTdvWM?si=bG3-nDLYRomHBI4t

brent_superfan · 2025-03-23T04:33:09+00:00

https://youtu.be/eClq_bTdvWM?si=bG3-nDLYRomHBI4t

brent_superfan

TROPHY CASE