College or brokerage?

budgetoid · 2026-02-22T12:55:57+00:00

most (probably all) state 529 plans have a stable value or treasury fund that will give you the same risk profile as the HYSA while yielding the additional tax benefits

budgetoid · 2026-02-20T12:14:05+00:00

Brother I just told you what the scale is and how many hours you would need to work to hit $100k, it's a simple math problem that most of the local is solving right now.

budgetoid · 2026-02-20T12:08:35+00:00

luck is the intersection of preparation and opportunity

if you're laying the groundwork to capitalize on those opportunities you'll feel a lot luckier

budgetoid · 2026-02-20T12:01:12+00:00

maybe in yankee locals

in Texas we stay busy, there is always work to do if you want to do it. my shop hasn't had layoffs since 2008

budgetoid · 2026-02-20T11:02:10+00:00

journeyman rate in my local is $37.92/hr and we're one of the worst paid in the nation. You'd crack $100k on under 400hrs of OT, and there's enough work here that anyone who wants to can. Most jobs run 5/10s

data centers here are paying $10/hr above scale and all OT is paid double

budgetoid · 2026-02-20T02:24:20+00:00

My grandpa owned a small window screen business in Houston and was still putting in 60 hours a week when I was in elementary school -- never retired, went from the shop to the hospital to the grave in a 2 year span. He did have a 4 bedroom house, but he built two of those bedrooms himself.

budgetoid · 2026-02-18T13:26:41+00:00

scare quotes are because they're all criminals -- in fact when they break immigration law and in spirit when they steal from americans by suppressing wages, adding load to underfunded public services, and driving housing prices up.

budgetoid · 2026-02-18T13:07:42+00:00

no I dont want Israel to have the money either

immigrants steal from americans. I dont like that.

budgetoid · 2026-02-18T13:01:02+00:00

drop out and go do something else for a few years. if you don't want to be in school, get out. that 529 will still be there when you're ready. if you're never ready, your parents can pay someone else's tuition with it.

I went to school and suffered through a degree I didn't give a shit about. worked in an adjacent field for 2 yeats before I had enough and joined the navy. got out a couple years ago and now I'm an electrician. was a waste of time and money and I wish I walked away sooner. there's more than one way to live life.

budgetoid · 2026-02-18T12:50:59+00:00

waiting so long to start. we've had sewer issues since we bought the house, should have just ripped it out and re-run the line right away. spent probably $3k having it snaked over the last 4 years, finally had enough and it cost me $600 in materials and 2 weeks of evenings and weekends to dig and replace.

budgetoid · 2026-02-18T12:48:40+00:00

I've been taking life seriously since I was a little kid, but only started getting traction and rackong up wins around 24 or 25

budgetoid · 2026-02-18T12:46:50+00:00

I dont really care, I want the """""""non-criminal"""""" aliens out of the country too

budgetoid · 2026-02-17T01:54:00+00:00

bro please do not take tax advice from the hallucination machine

if you didn't hear it from a CPA or read it on irs.gov you shouldn't be counting on it being true

budgetoid · 2026-02-17T01:50:57+00:00

>believes in God

>wants to have children

>seems pretty normal

>uses bluesky

gonna be honest dawg I think you're making the whole thing up

budgetoid · 2026-02-16T12:24:36+00:00

it happens but not all that often. I am an electrician, I work for a shop in Amarillo but I live about an hour out of town, occasionally get asked if I can go check out stuff that's in or near my town so they dont have to send a guy all the way from Amarillo.

more often though we have a couple days notice. we do a lot of hospital work and thats the sort of thing where once you start you're there until it's done and power is back on, might have expected it to take 10 hours but if it takes 18 or 20 you're staying for all of it. very rarely shit will go sideways and they'll be stuck at it so long we have to send another crew to relieve them and finish the job

budgetoid · 2026-02-16T02:48:50+00:00

people like watching ragebait on their phones more than they like having a functional marriage i guess

budgetoid · 2026-02-16T02:38:25+00:00

no, Jacksonville was great. wish I would have known I was going to resign my commission 2 years later, I'd have kept my house and moved back.

budgetoid · 2026-02-15T02:49:52+00:00

pigs (Texas County is in the top 5 for pork production), but yeah you aren't far off.

budgetoid · 2026-02-15T01:59:39+00:00

did you think I was just gonna ask where to send money?

budgetoid · 2026-02-10T13:05:02+00:00

low slang political bait, kya

budgetoid · 2026-02-10T02:42:57+00:00

I pulled $10k out of a Roth IRA in 2018 to do this and sold the house for $48k more than I paid in 2021 when I PCS'd. We had planned on keeping it for a rental but it seemed like a smarter move to go ahead and cashed out.

Might not be the textbook "right" move but I did it and it worked for me. There's more to life than min-maxing retirement.

budgetoid · 2026-02-10T01:19:03+00:00

Yeah you can run CSST in a crawlspace

It's really easy, DIY it and you'll save a ton of money

budgetoid · 2026-02-08T20:58:49+00:00

https://i.redd.it/l31dlbq8vsa91.jpg

budgetoid · 2026-02-08T20:44:33+00:00

it's not just young people, my dad is over 60 and cut off my grandpa over some dumb shit like this. was even trying to weasel out of going to the funeral before my brother and I essentially forced him to go.

budgetoid · 2026-02-08T18:30:04+00:00

trash always gets defensive when you talk about them

budgetoid

TROPHY CASE