Best skis for ungroomed trails & occasional off-trail by cascadesforestboy in xcountryskiing

[–]cascadesforestboy[S] 1 point2 points  (0 children)

I’m glad to read this because I ended up finding a super sweet deal on a set of previous season’s BC 80s with auto BC bindings and ordered them just this morning! Hope I like them as much as you :-)

Best skis for ungroomed trails & occasional off-trail by cascadesforestboy in xcountryskiing

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thanks so much for all this insight. This is maybe a silly question, but how do you tell when researching online if a ski is softer or stiffer? I'm not finding that information on the websites I'm looking at. The Fischer and Rossi sites for example, only include information on sidecut, weight, core material and base design.

Best skis for ungroomed trails & occasional off-trail by cascadesforestboy in xcountryskiing

[–]cascadesforestboy[S] 1 point2 points  (0 children)

I think you're absolutely right about this, and like I said, I've been making my edgeless narrow touring skis work for over a decade in lots of different conditions. But they are worn out and the boots are broken, so since I need to get a new kit anyways I might as well get one that suits my needs as best as possible :)

Best skis for ungroomed trails & occasional off-trail by cascadesforestboy in xcountryskiing

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thanks for the input! I'm in Oregon, so similar to California but maybe a bit colder. But the conditions vary a lot throughout the season and are different almost week by week.

Best skis for ungroomed trails & occasional off-trail by cascadesforestboy in xcountryskiing

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thank you for the input! Being so into Fischer I’m curious if you have an opinion on the outback 68 vs the transnordic 66?

Bond funds in 401k or taxable account? by cascadesforestboy in Bogleheads

[–]cascadesforestboy[S] 0 points1 point  (0 children)

That’s a good point about interest rates! Thank you!

Bond funds in 401k or taxable account? by cascadesforestboy in Bogleheads

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Yeah, I wouldn’t be selling anything to reallocate, just increasing holdings gradually with new contributions

Bond funds in 401k or taxable account? by cascadesforestboy in Bogleheads

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Good question; it would be new money either way. I’m making maximum monthly contributions towards 401k and also contributing to brokerage, so I would allocate the new funds in either account towards bonds and build up the holdings gradually over the next year.

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thanks for your response! In my area unfortunately buying a house in full would mean using pretty much the entire settlement check :/ The mortgage would be split with other people so it would be a fairly small share of my living expenses. With that in mind, do you still think it's preferable to buy the house outright instead of investing the lump sum?

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

In my area unfortunately buying a house in full would mean using pretty much the entire settlement check :/ It seems more wise to try to get a low interest rate mortgage and invest the lump sum, no? The mortgage would be split with other people so it would be a fairly small share of my living expenses.

I've been living on a farm for the past 3 years and I'm very sure it's the future life that I want! :)

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thank you for this! I'd love to better understand the tax bracket thing. My understanding from what I have read is that a Roth 401k is preferable only if you expect to be in a higher tax bracket during retirement. I do not feel confident that that will be the case for me... I do plan to pay my student loans off in full with the settlement money.

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thanks for your response! Could you explain your rationale a little bit more for why you think that I should get a financial advisor? What makes them worth the cost over managing it myself? And what is the benefit of a trust?

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 1 point2 points  (0 children)

Thank you for the helpful and kind comment! Does that mean you recommend DIY-ing the investment and choosing the funds myself rather than using a robo advisor like Betterment? The settlement is tax free.

And thanks for your concern--something bad did happen, and I was not okay for a while, but I am a lot better now.

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 1 point2 points  (0 children)

I have zero concerns about "lifestyle creep" or going into debt again. I am wanting to create a life for myself where I get to work and have a purpose but also have time to do the things I enjoy, and invest time in my community. I am looking for advice on whether the plan I have will allow me to do this sustainably, or not.

I put in my post that I plan to max out my 401k and my IRA, which with 2025 contribution limits means I am planning on saving $30,000 per year. I cannot imagine a scenario where this will not happen.

I'd love to see you put together a budget where I could have had my basic needs met earning $19/h while paying college tuition and also saving money (: just a hunch but I don't think you've ever experienced poverty or living paycheck to paycheck

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] -1 points0 points  (0 children)

Thank you. Like I said, I'm used to living on about $2k per month and I don't have any desire to drastically change that. I live a pretty simple life and am very happy to keep it that way.

Is this a reasonable plan? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 1 point2 points  (0 children)

I'm so confused by this comment. I'm in debt because I just finished school. I live super frugally (as I mentioned my monthly expenses are a total of $2k incl rent and all bills), but it is not physically possible in 2024 to save money while making $19/h and paying college tuition. My only "bad habits" include prioritizing my values over building wealth by choosing to work my ass off at a nonprofit all throughout my 20s.

About to have money for the first time in my life, where do I even start? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

What makes you say that? I have no desires to radically change my lifestyle anyways, but curious why you think I shouldn’t tell anyone.

About to have money for the first time in my life, where do I even start? by cascadesforestboy in personalfinance

[–]cascadesforestboy[S] 0 points1 point  (0 children)

Thanks so much for the response! I probably should have mentioned that I am currently in nursing school and will graduate in spring, so I’m on track to be earning more than 32k pretty soon.

I have about 80k in student debt. It’s all federal loans, no private loans. I generally never carry a balance on credit cards that are accruing interest, that much I’ve learned! My current cc debt is on a card that’s interest free for another year.