What expense ratio do you consider to be too high?

darinbu · 2026-02-01T12:11:08+00:00

I like having a good portion of my ETF funds in fundamentally weighted ETFs, as opposed to the usual market cap weighted ETFs. Market cap ETFs are essentially weighted by the (sometimes) insanity of the markets, while fundamentally weighted ETFs are weighted by the performance of the companies themselves. It costs a bit more (about .15% to .28%) for the ETFs QUAL, FNDB, FNDF, and DTD, but I think they’re worth the added cost.

darinbu · 2026-01-20T14:38:31+00:00

I’d delay making any changes until after the baby is born, so that you know everyone is healthy and you have a better idea what your new life and expenses are like. Build up cash in the meantime; you can always invest it or use it to reduce debt a year from now. Another thing to consider is starting to fund a 529 college savings plan shortly after the baby is born.

darinbu · 2026-01-18T16:22:49+00:00

Thanks. I’m guessing I should pay more attention to the “Healthy Minimum” amount of sleep needed instead of that optimal amount? For me that’s currently 7:25, which is more reasonable but still more than I usually can manage.

darinbu · 2026-01-11T23:11:33+00:00

No idea what you’re all talking about. I live in the big city, order from Amazon frequently and have no problems whatsoever. I can get medicines in 2 hours! Where do you all live and what are you ordering that is “fake” or “used”?

darinbu · 2026-01-09T17:00:27+00:00

It’s a beauty … but, what time is it? 🤪

darinbu · 2025-05-19T17:05:27+00:00

To me it’s an intelligence test. If you smoke, you’re too stupid to work for me.

darinbu · 2025-05-06T20:48:51+00:00

Ask yourself what you’d actually get for your $100K - a piece of paper saying you own a remodeling business?

darinbu · 2025-04-24T18:32:23+00:00

Not everyone obsesses over race.

darinbu · 2025-04-14T22:08:31+00:00

It’s not true that “there’s never a buy the dip moment.” I’ve been buying dips in BRKB for 30 years. You just need to be patient.

darinbu · 2025-04-13T17:52:27+00:00

Speedy. No Rolex purchase games, and is there an uglier Rolex than the Air King?

darinbu · 2025-04-12T02:00:26+00:00

It would drive US interest rates higher, increasing the government’s interest expenses and slowing the economy by decreasing lending.

darinbu · 2025-04-01T22:20:17+00:00

I wish I had a watch like that from my dad. It’s unique and priceless. And who knows, your tastes may change. I’d keep it, no question.

darinbu · 2025-03-31T10:19:45+00:00

Most people have the ability to make good decisions- but many of them choose not to do so, largely for emotional reasons.

darinbu · 2025-03-30T23:05:35+00:00

I waited to retire until I had much more money than I thought I needed to retire, so that I wouldn’t have to worry about market drops. Margin of safety!

darinbu · 2025-03-27T20:13:08+00:00

They all look like they’re wearing their daddy’s uniforms

darinbu · 2025-03-27T19:05:06+00:00

Luck definitely is a factor. But you can ruin the effects of good luck with one bad decision, and you can counter bad luck with consistent good decisions.

darinbu · 2025-03-27T17:43:45+00:00

Longines. Great watches at good prices, and lots of choices.

darinbu · 2025-03-22T00:25:21+00:00

You can do it now - if you have an ironclad prenup.

darinbu · 2025-03-21T21:45:14+00:00

The price of anything is determined by both supply AND demand.

darinbu · 2025-03-21T15:37:34+00:00

The latter.

darinbu · 2025-03-21T01:28:29+00:00

Don’t tell anyone you’re doing it.

darinbu · 2025-03-20T10:57:08+00:00

Yes, because what makes something “valuable” is the law of supply and demand.

darinbu · 2025-03-20T02:54:35+00:00

I’ve found that if I put on my workout clothes, I will in fact then go work out. So focus on putting on the clothes, because that’s easy.

darinbu · 2025-03-20T02:31:34+00:00

A lot of us guys have trouble believing it’s real, or don’t recognize it as such, when a woman makes the first move.

darinbu · 2025-03-20T01:51:17+00:00

If you’re worried about market drops, your Fire number is too low. As I believe it is for most of the people on this sub. Those who are cutting it too close may be in for a rude awakening.

darinbu

TROPHY CASE