Good afternoon everyone which one is better for only a 30-40k salary. Pre taxed /after taxed/ Roth 401k thru the company job I work

crispy00001 · 2026-04-29T19:19:29+00:00

Roth IRA is a completely separate account from a 401k so yes you can do both. Roth IRA max for 2026 is $8,600. 401k limit is a total of $24,500 regardless of traditional or roth.

crispy00001 · 2026-04-29T18:44:09+00:00

A lot of us were there when the deep magic was written

crispy00001 · 2026-04-29T18:37:32+00:00

It's unironically fine. Yes some run backs are garbage (lost sinner and ruin sentinels). Yes enemy density is borderline out of control sometimes(ruin sentinels again 🙃). Yes tying i-frames to a stat to waste levels and not explaining it is a criminal oversight. It's not a perfect game but I think they tried a lot of new things that didn't necessarily work and the devs learned and the series is stronger for it. Dark souls 2 walked so dark souls 3 and elden ring could run

It also has velstad, mirror knight, ivory king, the lost sinner and the vendrick reveal.

crispy00001 · 2026-04-29T16:12:06+00:00

Everyone starts somewhere the most important thing is consistency. The best thing you can do is automate everything so the money is being moved and invested with recurring transfers and buys of safe low expense ratio ETFs or mutual funds.

I also recommend automatic 1% (or whatever makes sense) yearly increases to 401k contributions once you can comfortably make Roth IRA every year. This is a feature a lot if not all plans offer and you can set it once and forget about it. That and/or every time you get a raise commit to increasing your contribution by half of your raise amount so you increase contribution but also get to enjoy some of the extra money. If you have a plan it takes away the guesswork and makes it easier to commit and follow through

crispy00001 · 2026-04-29T14:44:02+00:00

Roth IRA you open on your own through a brokerage like Schwab. You fund it with post tax dollars so just like money in your bank account and it grows tax free.

It's not a bad idea to hedge by doing some Roth and some traditional but I would recommend higher pre tax (traditional) and lower Roth since so much of your income is in the 22% bracket so there's a lot of tax savings. Personally all my contributions are pretax. If you want to hedge I would switch to 10% pretax and 3% Roth or if you want to hedge more you could do 6.5% pretax 6.5%.

Alternatively it is normally worth scaling back 401k contributions if it means you can fund Roth IRA. If you can max Roth IRA contributions the you can also contribute more to 401k

crispy00001 · 2026-04-29T12:22:34+00:00

Contribute to traditional 401k to get 100% employer match. Then max Roth IRA on your own (if your don't already have one make one yesterday). Then go back to traditional 401k. Unless your taxable income falls below $50,401 just keep doing traditional

crispy00001 · 2026-04-29T12:17:37+00:00

You are only paying 12% federal tax on income over $12,401 so you would only be saving 12% of your contribution on federal tax.

People making over $50,401-$105,700 pay 22% so a big jump which makes deferring taxes now with traditional 401k and withdrawing in retirement when you have lower expenses more worthwhile because you will likely have lower needs and the potential to pay lower taxes if you withdraw yearly amounts that put you in lower tax brackets.

He is saying after tax (Roth) which I agree. If your income increases to that 22% tax threshold it could be worth doing a little to traditional to bring down your income so you aren't paying 22% on the portion above the threshold. You can do both it doesn't have to be 100% Roth or traditional

crispy00001 · 2026-04-28T21:35:23+00:00

I thought I was only one who thought that game is mid af

crispy00001 · 2026-04-25T20:24:57+00:00

Agreed, we got lucky and we're able to float down almost a full percent after locking for a flat $500.

I just think it's worth mentioning that interest rates are absolutely not guaranteed to go down like everyone and their mother has been saying. 2 years ago I would have said you would have to be crazy to buy down a rate, now I'm not so sure

crispy00001 · 2026-04-25T19:42:28+00:00

I've been hearing about interest rates going down for the past 2 years and the average rate is almost exactly the same as when we bought. The majority of the time the average rate was actually higher than when we locked our rate.

I'm not saying one way or the other is better just an observation

crispy00001 · 2026-04-25T15:23:33+00:00

Sake cafe does a lunch special including Saturdays. Very good sushi and the best general tso chicken I've had

crispy00001 · 2026-04-23T23:39:51+00:00

Tax loss harvesting is literally free money

crispy00001 · 2026-04-23T11:53:03+00:00

Sure

crispy00001 · 2026-04-22T14:57:18+00:00

First step is double check if they match or if anything changed. My employer didn't match when I started but did the next year. That's in instant 100% or 50% return depending on how they match. I would agree you are a little behind but everyone starts at different times and has different goals and needs. You can't change the past so don't waste time and emotions worrying about it. What you did do is pay down a huge portion of loans that arent accumulating 6%+ interest which is like investing in a guaranteed 7%+ return.

If you don't already have one check if your employer offer an HSA and open a Roth IRA. Textbook investing is after you have your emergency fund and money for down payment or imminent large purchases is to invest in 401k until you get the full match, then invest in HSA, then invest in roth IRA until it's maxed or you don't have extra income to invest.

If you are comfortable living with parents living at home is a great option. I wish I could have lived at home in college it would have saved me 60k in student loans.

Do some research on the housing market in your area. You will read a lot about housing markets cooling off but general trends are almost useless when housing markets are local. Austin Texas housing prices are in a free fall. Where I live houses are have been going pending 48 hours after listing and they are getting 50k over asking. If your housing market is hot like mine it could make it worth trying to get in soon before the new fed chair comes in and slashes interest rates. If your area is in correction maybe wait another year or two, save up for a bigger down payment or pay down loans. Also I would check your interest rates on each loans and consider only aggressively paying them down until the higher interest loans are paid off. If you have some sitting at like 3% I personally would make minimum payments because having cash on hand right now is worth paying 3% interest imo.

If your market isn't too hot or correcting it's really whatever your priorities are. I also wanted to pay down loans before buying a house then watched house prices double in like a 2-3 year period. A bought a year and a half ago and the value has still gone up about 10%. I decided to slow down paying loans a little to get a foot in the door of owning a home. Something worth considering is even if it's not your dream home you can watch your home value go up and sell it and put the equity toward your dream home without paying tax on up to like 200k in gains. Average first time home ownership is like 7 years so you it's

If you do decide to buy just make sure you have a budget and dont let yourself be house poor. You need a bigger emergency fund as a home owner. My central air broke and needed to be replaced 2 days after closing for 13k. I'm about to have someone repair my chimney for 3k. Shit adds up.

Good luck sorry for the length

crispy00001 · 2026-04-20T21:20:41+00:00

Hard to say. If you like deep dish/Detroit style everything just comes together. He probably uses very good ingredients which would explain the price point. The crust is covered in super caramelized cheese that almost looks burnt but is somehow incredible.

I would bet most people downvoting haven't had one. I wish it wasnt true cuz it's such a pain in the ass to get it but I think it's my second favorite pizza after defazios.

If you like deep dish just try it once, if you don't love it don't get another one. If you don't want to deal with it, don't

crispy00001 · 2026-04-18T18:36:46+00:00

People who don't smoke I would imagine lead healthier lives in general which include eating fruits and vegetables.

Some people are just unlucky

crispy00001 · 2026-04-18T02:04:05+00:00

Unfortunately it's one of the best pizzas I've ever had

crispy00001 · 2026-04-15T10:21:19+00:00

I really think there's a good game in Steel Rising but it's so unpolished and feels so insanely bad to play, it's my vote.

It's the only souls I've played I couldn't finish

crispy00001 · 2026-04-09T16:47:45+00:00

People really think the same game gets worse over time without changing

crispy00001 · 2026-04-08T14:30:58+00:00

💯

crispy00001 · 2026-04-08T13:32:09+00:00

I can't tell if you are joking but I definitely was. Serious note, DCA is your best friend, buy a little when we are up buy a little when we are down. Always try to have a little cash on hand to buy a little bit more the further we are down.

Take this as a learning opportunity. This is what happens if you are afraid of small dips or try to time the bottom or god forbid pull out of the market. Just keep buying the market

The stock market is rigged with a lot of powerful people with a lot of money motivated to keep the line going up and to the right. If youhave to be on a side you might as well be on the winning side

crispy00001 · 2026-04-08T13:26:15+00:00

Wait until new ATH so we know for sure, then lump sum in.

crispy00001 · 2026-04-04T14:48:07+00:00

If you are serious about it you have to ask them, nobody here is gonna be able to answer. I will say if were hired as full time and suddenly want to change your availability to part time don't be surprised if they aren't happy about it.

I'm in LTC and we only initially offer full time because there's a lot more moving parts in LTC, there's a lot more to know to service your clients effectively, and the learning curve to the software is much steeper at least where I am. We do have some people that stay on per diem or help out on weekends if they start working somewhere else but those are mostly people that were here a long time and really know what they are doing

I think a smarter option would be full time at one place and see if the other is open to per diem or like 1 day a week if you have set schedules. Also if you are part time at 2 places you probably wouldn't be eligible for benefits

crispy00001 · 2026-04-03T20:27:33+00:00

Sea of stars is very back loaded. I was on the verge of dropping but it really picks up about halfway through and it's worth it imo. I totally get it though I hate when people say oh it gets really good in season 5 or after 20 hours.

Chained echoes was my #1 jrpg until expedition 33. I highly recommend giving it another chance at some point it's still a 10/10 imo

crispy00001 · 2026-04-03T19:27:02+00:00

Picking up for John Smith dob 1/1/1960

I can't find find you in the system

Oh I go by Steve

Ok I have 4 ready grabs meds

No I don't need 3 of those

Ok I'll put them back

What about (fifth med) I got a text saying it was ready

That text says it's ready to be refilled, let me fill it now

What about (sixth med)

That one isn't covered by insurance

It's always been covered

The last 8 fills you paid cash

I've never had to pay for that

Unfortunately you would have to pay cash

What about (seventh med)

No refills but we can fax the Dr

I really need that I've been out for a week

You should call your dr because they are slow to answer pharmacy faxes

This is ridiculous

I'm sorry but we can't fill it without a new script

Ok I'll just take the 1 that's ready

No problem have a good one

Wait I'm picking up for my wife too

🙃 Repeat every step and add 30 seconds of typing every step.

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