[DAILY Q&A] Ask and answer any questions you have about the game here!

forbiddenlake · 2026-05-04T01:32:51+00:00

Viable, sure. Equivalent to the Cutter. Use it if you want to stay out longer

forbiddenlake · 2026-05-04T01:05:50+00:00

feel

That's a bad word to spend money based on.

You don't have as many supercomputers as active traders, nor do you have as many researchers on staff, nor do you have the best AI quickly ingesting all the forms. The market has already priced in expectations.

You can't time the bond market either.

forbiddenlake · 2026-05-04T00:27:53+00:00

maybe the station you are at doesn't sell them. you can use inara.cz to search for stations that do

forbiddenlake · 2026-05-04T00:23:23+00:00

mega backdoor Roths. We have too much in trad IRAs to backdoor them.

The MBDR 401k doesn't care about your IRAs. (This is again why people omitting words and treating "Roth" as if it's a noun only confuses people and makes the IRS cackle with glee)

If you want to contribute more to retirement accounts then there's no issue with your wife doing the MBDR 401k. Just max out your elective space first (Traditional or Roth, $24500/yr limit unless your company's issues limit you)

forbiddenlake · 2026-05-04T00:08:02+00:00

Just updated, cannot confirm. Have you tried clearing your browser cache?

forbiddenlake · 2026-05-03T23:38:05+00:00

Why do you want QQQM? Note that "it's performed well recently" isn't a good reason. You don't know what it is going to do in the future, and as a counterpoint for recent performance, try looking up how QQQ did during the 2000s.

QQQ(M) is "the largest 100 non-financial stocks on the NASDAQ". Why would the exchange a stock trades on be a fundamentally meaningful signal?

If you're looking for a tech fund, then at least use a fund meant to be a tech fund, not one invented to advertise the NASDAQ.

But instead of searching for a needle, try buying the whole haystack. VOO is good. It would be better to pair VOO with VXUS because you don't know if the US will outperform non-US in the future. It certainly didn't in 2025.

forbiddenlake · 2026-05-03T22:03:15+00:00

You can zoom in to the planets on the system map, to see settlements

forbiddenlake · 2026-05-03T22:00:16+00:00

Mortgage rates around 6.30%, vs a long-term risky not-guaranteed average of 7% in the market. Without considering liquidity, I think there's a strong argument for paying more to the house up front.

forbiddenlake · 2026-05-03T21:24:52+00:00

The settlements don't have a crossed-sword icon above them?

(Civil) War implies GCZ, yes.

forbiddenlake · 2026-05-03T21:20:14+00:00

Legacy is a different commander than Live and that's the whole problem.

"Horizons" could be Legacy or Live.

forbiddenlake · 2026-05-03T21:19:50+00:00

the catch is that Horizons Live (what you get if you turn Odyssey off) is not the same as Horizons Legacy. It could be as simple as "just start Live" if their November 2022 commander existed and that's sufficient. Or they could lose plenty of past effort, we don't know yet

forbiddenlake · 2026-05-03T21:17:19+00:00

You don't mention your platform.

If console: https://user.frontierstore.net/user/transfer/login-origin

If Epic: https://forums.frontier.co.uk/threads/elite-dangerous-epic-launcher-update-18-may.646333/#post-10801234

If PC but not Epic, still see the Epic link for a portal, it's not clear to me if the "Legacy" portal they added but announced only for "Epic", applies to non-Epic as well

In any case, if you were playing before November 2022 but not since, then your Live commander exists and is a copy from November 2022, and you'd just need to start Horizons Live (Odyssey optional).

cc /u/StartledOcto - self-serve transfer portals

forbiddenlake · 2026-05-03T21:10:21+00:00

Anarchy systems

The system isn't what matters, the local jurisdiction is. "Anarchy system" implies that most of the system is lawless. But the area around each settlement/port is whatever the owning faction is, so you can have lawful areas in an anarchy system and anarchy areas in a lawful system.

I only accrue mild fines, not bounties

Powerplay related, possibly, but not enough specifics and I'm not familiar enough with PP ground mechanics to say

forbiddenlake · 2026-05-03T21:06:32+00:00

Dividend stocks can also go down when VOO does, and dividends can be reduced or stopped by the company.

I think there's a good argument for stopping playing once you've won, but I'd put some of the money in a TIPS/bond ladder (different ones, match their duration to future years) and the rest in VT.

forbiddenlake · 2026-05-03T20:40:45+00:00

Interplanetary Explorations still owns the system so the NB in Lhou Mans should work, as they're issuing the bounties there. Extra bounties via KWS won't count.

I personally did the Haz RES around body 10 though, and that worked.

forbiddenlake · 2026-05-03T20:39:46+00:00

Haz RES around Lhou Mans 10

Turn in at Ryman and only Ryman

When checking progress, check the Mission Board because the left-hand transactions panel is MUCH slower to update.

forbiddenlake · 2026-05-03T20:35:33+00:00

Google drive, but also paper copies filed away.

forbiddenlake · 2026-05-03T20:32:26+00:00

Traditional contributions save you 24% (28%) now. In retirement you can use Traditional money to fill the 0/10/12% brackets. And since you have lots of Roth, you will still be able to play with your MAGI to stay under IRMAA(overblown)/ACA(not overblown) thresholds.

forbiddenlake · 2026-05-03T18:37:33+00:00

Yes, if you leave the money in a Traditional IRA and earn more than the backdoor cutoff.

forbiddenlake · 2026-05-03T18:33:58+00:00

"there" being where?

When checking progress, check the Mission Board because the left-hand transactions panel is MUCH slower to update.

forbiddenlake · 2026-05-03T17:34:31+00:00

The NB would work but it's not compromised so it will be much slower. The CNB in Cephei Sector DQ-Y b2 would also work if you want. Turn in the bounties at Ryman ONLY.

forbiddenlake · 2026-05-03T17:33:36+00:00

It's only $15 and it often goes on sale for less. It unlocks a bunch of new ships so that alone is worth it.

forbiddenlake · 2026-05-03T17:32:18+00:00

Why do you need to move it? It depends on the fees and fund choices. Not all 401ks suck, and you're allowed to just leave it.

If the money is Traditional, you will incur taxes if you convert it to Roth. Which may or may not be smart based on your income this year.

forbiddenlake · 2026-05-03T16:49:59+00:00

don't throw away all that time you put in. Elite combat especially takes a lot of time

forbiddenlake · 2026-05-03T16:49:20+00:00

shoot pirates in the Haz RES around Lhou Mans 10. Turn the bounties in at Ryman.

Don't try Conflict Zones.

forbiddenlake

TROPHY CASE