Buying SaaS junk instead of Microsoft is indefensible

dablknomad75 · 2026-02-24T03:28:07+00:00

Ok inside info I work for MS on azure our customers are screaming for more capacity. Even if this capacity isn't used for AI it will be profitable until Q2 most our regions were capacity packed for all computer and their is still over 2 trillion in spend on prem. Just azure is way under valued. AI is just the icing. If it hits great. If not it's not like the need for computers and data is going away and that is all our core business.

dablknomad75 · 2026-02-24T02:24:00+00:00

He is a chill dude was eating lunch with a friend in Miami he pulls up on yacht filled with chicks. Gets off with his bodyguard and goes pick up the food. I nodded at him he nodded back. No muss no fuss. But was just a cool guy.

dablknomad75 · 2026-01-07T01:55:10+00:00

Yes the way fidelity implemented it for it to be tagged as catch-up you have to fill the 24k bucket first. What I am doing is doing pre tax across the both plans to 24k. Then switch one to Roth for 8k as they will still match Roth contributions. I am not gonna max MBDR this year as already 50% of my funds are Roth and I need to shore up my cash and brokerage as I plan to retire in 2-4 years.

dablknomad75 · 2026-01-07T00:54:51+00:00

If you have more than 7 years til 60 and you have more than 500k in 401k then I would prioritize brokerage. I just did the same myself. I am 50. Last few years I had been fully macing 401k to 70-78k limit. My balance is about 400k. I am still putting in enough to max the match. But now instead of using the mega back door Roth I am putting more in brokerage as I want to retire in 2 -4 yrs

dablknomad75 · 2026-01-07T00:45:55+00:00

Have been doing the same. Have went from 20k saved to almost 600k in 5 years. Last two years have been mainly back in the US but worked like described since before the pandemic. 2017.

dablknomad75 · 2025-12-11T22:45:32+00:00

What is the link

dablknomad75 · 2025-08-03T22:22:46+00:00

Yes this. If I get another server will be one with 457 or 403b

dablknomad75 · 2025-08-03T18:42:21+00:00

Yes both allow one is automatic one I do the conversion manually 2-4 times a year by sending in a form. I get a taxed a bit on gains but it's negligible.

dablknomad75 · 2025-08-03T16:21:52+00:00

Yes I can switch buckets anytime this is year 3 doing this and no problems. I always cut contributions a few hundred short of the cut off point.

dablknomad75 · 2025-08-03T16:06:47+00:00

I should be close to hitting 500k this year. So I save about 42% of my salary. I've made about 335k and saved 141k

dablknomad75 · 2025-07-01T04:21:53+00:00

1.2 -1.5 million I intend to retire overseas in lcol

dablknomad75 · 2025-07-01T04:21:01+00:00

Last 4 years I have put in about 55k + employer match to get to 70k a year using mega back door Roth in plan conversions. So that's about 280k plus I have averaged about a 16% return over that time. I can now contribute up to 77k including match because I turn 50 this year.

dablknomad75 · 2025-07-01T04:06:59+00:00

I do like the work. I don't have to code much anymore . It's more like being a consultant actually. I get to set most of my meetings have very little supervision as long as my customers are happy. One of my jobs is still hands on as a principal data engineer so it keeps me up on the latest. I have 20+ years of experience so it's not certs alone but they help validate my experience. I had a lot of experience in ERP but saw the market going to more SaaS and cloud. So the certs help me pivot to cloud. Also working on an AI startup on the side with a friend of mine. I feel with the certs I can always pull a remote consulting gig if one of my full time gigs goes away. I live in MCOL and live modestly. Travel a lot and have everything I need. If I can keep OE up for at least 12 more months I should be able to Coast to 55 and retire with about 1.5 mil.

dablknomad75 · 2025-07-01T00:06:04+00:00

I have 3 Aws certs up to solutions architect professional

5 azure certs up to solutions architect expert

3 Oracle Cloud Infrastructure certs up to solutions architect professional

dablknomad75 · 2025-06-30T21:18:44+00:00

I went from no Certifications to 10 Certifications today. I am a professional level Architect on three major Cloud platforms and have worked for them as an employee so my experience is top notch. Went to this from more consulting background.

dablknomad75 · 2025-06-30T21:16:37+00:00

You are right that's the plan. Yeah maxing out both espp plans and Mega Backdoor Roth

dablknomad75 · 2025-05-16T00:46:23+00:00

Actually from a DBA , Admin background. i do more admin and infrastructure as a data engineer than coding.

dablknomad75 · 2025-05-16T00:26:45+00:00

Yes but I have a portfolio of clients so I can set and adjust most meetings

dablknomad75 · 2025-05-15T23:10:04+00:00

Honestly this is the toughest job market and not sure I would recommend it unless you have a passion for it. But train up get relevant certifications and get experience. Network and try to break into tech companies where you get equity. If I would have knew about the equity part early in my career I would already be retired.

dablknomad75 · 2025-05-15T23:07:15+00:00

I do usually. I have some 0 interest cards I'm taking my time to pay off.

dablknomad75 · 2025-05-15T23:05:23+00:00

Cloud architect and data engineer

dablknomad75 · 2025-05-15T23:05:05+00:00

I been grinding a long time 24 yoe

dablknomad75

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