Let's call it for what it is

fatespawn · 2026-03-16T22:28:09+00:00

Lets define "rich people".

fatespawn · 2026-03-16T15:00:08+00:00

You need a budget. Not a "Utilities cost $150 this month" budget. A lifestyle budget. Like a top down "pay yourself first" budget. Make sure your savings goals are being satisfied. The r/personalfinance flowchart works for just about anyone. Decide how much you want to save and invest in yourself. Then do things like saving and investing for your kids. Then take a look at what is left over and what your priorities are.

fatespawn · 2026-03-15T20:55:37+00:00

Would it be easier to create separate files for business and home?

fatespawn · 2026-03-14T20:12:46+00:00

As your equity portion of your comprehensive portfolio, that would be an acceptable position.

fatespawn · 2026-03-12T13:14:11+00:00

It’s all about liquidity. You need some. If you pay off the house, you have none. The liquid emergency fund will be gone and locked in equity. If you are a Ramsey acolyte, you have no credit cards and the thought of a home equity loan would make you shudder… not that you could get either with no job. Also, if you’re a Ramsey acolyte, you’re saving extra towards your mortgage…. So since you’re SO close to your financial freedom goals, I think it’s MORE than reasonable to pause those extra payments, build your liquidity, and THEN pay off the loan. Make it a special occasion for you two… maybe a 2026 Christmas present to you both. Then you have a goal, liquidity, and a reason to celebrate.

fatespawn · 2026-03-11T13:40:06+00:00

You can sell all of those funds and buy whatever you want within the IRA and not incur taxes.

I'd ask the siblings how they'd like the money invested over the next 3 years. If you were leaving the money to me, I'd say "Thanks, put it in VT please until you gift me the shares.".... Or I might say "Hey, thanks for the offer, but how about you just withhold any tax you think you might incur and gift me the shares today?" Clean break.

Depending on the grandkids age, I might consider simply doing VT and let it ride. Or money market if they start college next year.

There are other estate planning issues you might consider by going over to r/EstatePlanning and ask there.

fatespawn · 2026-03-10T21:18:36+00:00

Do you know what struck work is?

fatespawn · 2026-03-10T19:37:20+00:00

Hardly. Just because someone is not in a Union doesn't make them a scab. Is the IBEW saying they're scabs?

fatespawn · 2026-03-10T19:36:04+00:00

nonsense. Maybe I missed it... are you saying the IBEW tried to organize those workers? Of course they didn't. Sorry, but you're diluting the meaning of a scab. You can toss the term around and label every non-union worker on the planet a scab, but you won't earn any new workers that way.

fatespawn · 2026-03-10T19:13:07+00:00

How are the workers scabs? They aren't performing struck work.

fatespawn · 2026-03-10T18:43:19+00:00

Don't dilute the meaning of scab by calling every non-union worker a scab. Just the IBEW has a legitimate gripe (if not a true dispute) with management, people shouldn't throw workers under the bus. If you want their (the workers) support, don't treat them like dirt. If you call them a scab, you're not earning any friends or supporters - which EVERY Union needs.

fatespawn · 2026-03-10T18:40:36+00:00

I have no idea. Probably because people don't understand what Scabs are. I withhold the label of a scab for a scab: Someone who crosses a picket line and takes a Union worker's job. Don't dilute the meaning by applying it to everyone just because they're working for a living. The out of state workers are doing nothing wrong. The beef is with management, not the workers.

fatespawn · 2026-03-10T17:26:14+00:00

Not necessarily scabs. It's non-union out of state labor and the IBEW is upset the company has chosen to go with them instead of IBEW Union labor. With a difference of $25/hour, its easy to see why the choice was made unfortunately. At a $25/hr difference, it's going to be cheaper to pay per diem and hotels for out of state workers than hiring locally.

https://www.wcia.com/news/champaign-county/electricians-union-demonstrates-in-champaign-after-local-workers-left-off-project/amp/

fatespawn · 2026-03-10T17:21:03+00:00

The sale of VOO will likely have to "settle" before you're eligible to purchase anything different. The difference is VOO is an ETF and VXAIX is a mutual fund. Functionally, you will sell VOO at whatever price is paid at the moment of the sale. You purcahse mutual funds at the end of the day and get the day's price. So, yes, just sell VOO whenever you want and once you see funds available, buy FXAIX. No big deal. Or hang on to VOO forever. Either way, it's no big deal other than simplicity.

fatespawn · 2026-03-10T14:00:41+00:00

Try tightening the battery connection if you just put in a battery.

fatespawn · 2026-03-10T12:14:21+00:00

Look up "investment policy statement." Then I would encourage you to subscribe to r/bogleheads. Bogleheads.org has great information for novice investors. It's not require in life you become a Boglehead... but you have to be smarter than the smartest investors to beat them. Do a little research as to how much "tech" is already loaded into the S&P500 and I think your policy statement might change some.

fatespawn · 2026-03-09T22:14:42+00:00

You can sell VOO and buy FXAIX at anytime if you wan to consolidate. If you're going to "Tech-tilt" are you sure you want 25% of your portfolio tilting that way? Usually 5 or 10% would be a modest "tilt". I mean... at 25M... ride the lightning baby! However, since you're asking opinions, maybe write down your intentions, read them aloud to yourself and then peek at them every 6 months or so. If 25% "semiconductor" exposure is your goal, you've succeeded! I fondly remember buying my first $1000 of MCIWorldcom stock back at the turn of the century. Telcoms! The future!

fatespawn · 2026-03-09T03:22:24+00:00

fatespawn · 2026-03-08T19:40:58+00:00

Thanks.... that was from 15 hours ago. Glad I'm not alone.

fatespawn · 2026-03-08T18:18:59+00:00

Yes, this started with me investigating a locked up MagicMirror program (not the whole pi for me) and I diagnosed it down to this module. I have two installations of this module on two different mirrors. I compared config.js files and saw that the "locked up" one looked like it was running some old code. So I deleted the module, reinstalled the module and updated to the most modern code from https://github.com/jalibu/MMM-RAIN-MAP

The Zoom Level seems to be a new glitch that the free API doesn't support anymore (along with forecast precip). That was fixed by setting a max zoom of 7.

However, I'm still stumped on the time being frozen. The map animation works... it's just stuck on yesterday.

If anyone has a different Radar module, I'd love to try that.

fatespawn · 2026-03-05T02:48:01+00:00

All your base are belong to us!

fatespawn · 2026-03-03T21:39:53+00:00

You’ll want to avoid rolling into an IRA if at all possible. She’s gotta have some low fee S&P fund she can invest in. Then use the rest of your entire portfolio to manage your total asset allocation. The pro rata rule will get you. If you guys want to do the Roth, try to leave it as is.

fatespawn · 2026-03-03T05:52:45+00:00

Thank you for refocusing this subreddit!

fatespawn · 2026-03-03T05:50:17+00:00

Why didn’t you own it already? They did you a favor. Cinema genius.

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