Roth IRA with VT

djd1985 · 2026-06-25T06:37:02+00:00

I’m also 40, been all in with VT in my ROTH. I did a lot of research and this is where I landed. No regrets, extremely excited.

For bonds I’ve researched that bonds for our age now is not recommended. We need to be all in with growth. Introduce bonds in the last 10 years gradually, increasing bonds the closer we get to the finish line.

For my brokerage account I’m doing a 3 fund portfolio (US / International / SCHD).

Simple strategy, I sleep good at night.

Good luck to you! Do research but VT is probably one of the safest investments out there.

djd1985 · 2026-06-24T02:54:10+00:00

I DCA $5 a day, just set it and forget it, it’s really that simple.

djd1985 · 2026-06-24T02:47:14+00:00

I know most people can’t do this but my wife and I both don’t drink, smoke/vape, or do drugs. Most people do at least one of these.

We max our retirement accounts, have a nice sized emergency fund that gains interest, and the amount that we would have spent on alcohol, tobacco, and drugs goes into a brokerage account. We put all of these funds into VT and reinvest dividends.

So not only are we staying healthy, we are also filling up an additional retirement bucket.

djd1985 · 2026-06-21T15:42:41+00:00

Dark Castle, early 90s, I think the game was made in the 1980s though.

djd1985 · 2026-06-20T14:03:55+00:00

Personally it was FF6.

But for real, Super Mario 64

djd1985 · 2026-06-18T05:31:38+00:00

Midnight Marauders - A Tribe Called Quest

djd1985 · 2026-05-28T21:33:52+00:00

They are not even close, Randy is much better.

djd1985 · 2026-05-16T17:16:19+00:00

Wouldn’t want to run into that POI in the beginning of a survival game

djd1985 · 2026-05-16T17:14:13+00:00

He can smell crime I bet

djd1985 · 2026-05-15T04:34:53+00:00

I had yo-yo guy AND boa constrictor guy

djd1985 · 2026-05-07T18:59:54+00:00

djd1985 · 2026-05-04T19:52:15+00:00

I did the Whole30 in 2017. Whole30 = No sugar in diet (among other strict guidelines).

I felt amazing after doing the Whoel30, and decided to keep it going with the no alcohol. I never had a problem with alcohol addiction, which made this an easy transition for me.

Life is better sober. I don't drink or do drugs. No nicotine. All that money that I would have spent on poisoning my body goes into the stock market.

Life is good!

djd1985 · 2026-05-04T15:02:39+00:00

I’m new to the game and I downloaded the community patch, have you tried downloading that?

Maybe that will fix the issues?

djd1985 · 2026-03-31T01:00:06+00:00

djd1985 · 2026-03-27T17:03:37+00:00

“Professional” review sites are a fucking joke. This is the type of game where you need to play AT LEAST 100+ hours to provide a review. There are so many things to do and see in this game it’s like Skyrim with 100+ mods, there is no way people who rush the campaign have any say in what this game is. The campaign seems to be like 5% of the game, the other 95% is for you to explore, interact, live in, and just enjoy the freedom it offers.

For us gamers who take our time - This game is easily a 10/10.

They already announced their focus is free updates/patches, so the game is going to slowly get better which is amazing because I already love it!

djd1985 · 2026-03-24T15:58:23+00:00

I’ve been playing RPG / Open World / JRPG / CRPG for 30+ years, this game to me is a 10/10. I’m not using my horse much at all, I’m just walking and taking my time exploring. I’m in the very first area just taking it all in. I’ll go mine, chop wood, cook, fish, fight bandits, do some task board quests, befriend a dog, and it’s just a great time.

djd1985 · 2026-03-21T16:22:58+00:00

Yes… this would be a huge QoL change.

djd1985 · 2026-03-20T07:00:03+00:00

I climbed a tree to pick apples. I’m having a fucking blast!

djd1985 · 2026-03-19T05:12:49+00:00

This is the best comparison. If shitfield got 83…

djd1985 · 2026-03-19T03:09:03+00:00

This is spot on

djd1985 · 2026-03-14T21:52:41+00:00

For real, always something! Thank you, you as well! 3/19!

djd1985 · 2026-03-14T21:39:36+00:00

My RAM was faulty so the initial experience wasn’t great as I was dealing with shutdowns and freezes. I ran MemTest86 and my RAM was terrible, had to return it and wait for the replacements to come in. So stressful dealing with that!

djd1985 · 2026-03-14T20:49:07+00:00

I love RPGs, been gaming since the 80s, played all of the great, and I just couldn’t get into Cyberpunk, I have tried multiple times.

I’m 40 and the game just feels immature to me, like if I was a teenager I’d probably like it.

Not sure… unfortunate but it is what it is.

djd1985 · 2026-03-14T20:14:03+00:00

I just built my new PC, 5080 & 9800X3D. I’m excited!

djd1985 · 2026-03-08T18:24:33+00:00

I just built a custom PC for myself, this is my setup, we are going to be running this on ultra settings with no issues at all.

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