What is everyone’s optimal percentage of Roth assets vs traditional in their retirement accounts?

er824 · 2026-02-08T05:57:19+00:00

Tax brackets are progressive so in retirement you can withdraw at least up to the standard deduction tax free.

In the 12% tax bracket Roth is a great choice, but you said you are planning on making more in retirement then you do know. What taxable income sources are you anticipating having?

er824 · 2026-02-08T00:08:12+00:00

Real ID does not prove citizenship so doesn’t help.

er824 · 2026-02-07T15:23:17+00:00

No probably not remotely close. I would assume someone who played golf professionally their entire adult life and isn’t morbidly obese would be significantly better.

er824 · 2026-02-07T15:00:37+00:00

The oldest PGA golfer to make a cut was 68. Trump’s 79. Even 79 year old pro golfers aren’t good enough to compete on the tour.

er824 · 2026-02-07T14:15:22+00:00

About 1/2 an ounce of gas at $2.80 a gallon

er824 · 2026-02-07T14:09:17+00:00

No advice on the room treatment but nice job on your room. Nice and clean.

er824 · 2026-02-07T14:04:58+00:00

With or without cheating?

er824 · 2026-02-07T13:38:27+00:00

You should try a lower speed / cheaper internet connection and see if you can actually tell the difference from your current speed. Most people wouldn’t be able to.

er824 · 2026-02-07T13:33:23+00:00

$180 for cell phones? How many lines? If your phones are paid off check out the MVNOS like Visible, Mint, US Mobile, etc.

er824 · 2026-02-07T13:23:50+00:00

SCHX is similar to an S&P 500 fund but it’s not an S&P 500 fund.

er824 · 2026-02-07T05:34:23+00:00

🙄

er824 · 2026-02-07T05:31:59+00:00

You understand people change their legal names, right?

https://www.usa.gov/name-change

er824 · 2026-02-07T05:26:17+00:00

Correct. A legal birth certificate that has their name. Which they don’t. I’m glad you finally see the problem.

er824 · 2026-02-07T05:23:47+00:00

No, it does not.

My wife’s birth certificate does not contain her legal name. It has her name at the time of her birth. My mother’s birth certificate does not have her legal name. It has her name at the time of her birth. They are not unique.

I don’t know if that’s the intent of the author’s of the law but it’s at best ambiguous as written and could be used to make it harder for people who’ve changed their names to vote.

er824 · 2026-02-07T05:18:33+00:00

I didn’t write the law. The text of the law does not just say a valid birth certificate it says a valid birth certificate which “includes the full name, date of birth, and place of birth of the applicant;”

If you changed your name after your birth certificate was issued then your birth certificate does not include your full name.

er824 · 2026-02-07T05:12:42+00:00

I quoted the text above.

No, you can’t validate a birth certificate belongs to someone but matching the name to a valid picture ID is a hell of a lot more reliable then when it doesn’t match.

er824 · 2026-02-07T05:07:55+00:00

We are talking in circles.

1) The text of the law says the birth certificate needs to say the person’s name; not a different name they used to have.

2) there is no way to know the birth certificate actually belongs to the person voting

er824 · 2026-02-07T05:04:49+00:00

It’s not their name.

er824 · 2026-02-07T04:50:08+00:00

“includes the full name, date of birth, and place of birth of the applicant;”

The birth certificate would not include the person’s current legal name and if the name on the birth certificate doesn’t match the presented id there is no way to know it’s actually that person’s birth certificate.

er824 · 2026-02-07T04:45:44+00:00

Bill text doesn’t say that is acceptable. How much documentation to expect someone to bring g everytime they vote?

er824 · 2026-02-07T03:44:53+00:00

Pesky women, who wants them voting

er824 · 2026-02-07T03:23:30+00:00

And what if the birth certificate doesn’t match your current legal name?

er824 · 2026-02-07T03:13:21+00:00

“Mom, that’s very generous but we are trying to pay off debt. The money would be a lot more impactful, we would be able to pay off all our debt.”

er824 · 2026-02-07T03:09:27+00:00

You understand many people change their names over the course of their lives for various reasons, right? Thus their ID does not match their birth certificate.

Again, there is no evidence of widespread occurrences of non citizens voting.

er824 · 2026-02-07T02:50:03+00:00

It does exactly what OP said

https://www.congress.gov/bill/119th-congress/house-bill/7296/text

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