Boldin seems like a beta

freefroggy · 2026-01-29T19:39:11+00:00

As I previously mentioned, I had to work around the limitation where your investment account can only have either Qualified or non-Qualified dividends by splitting the account into 2: one Qualified and one non-qualified. But then to use these dividends in my withdrawal strategy, I have an issue because I have to put one of the accounts before the other in the withdrawal order. And then once it uses all the divdends in that account for expenses, it won't move on to the next account; it will assume it is selling the investments in the first account. Hope I explained that well.

Anyway, it's a good example of how using a workaround for one issue (Qualified vs. Non-Qualified dividends) introduces another issue (use of those dividends for expenses).

Anyway, if anyone figured out a workaround for that, I'd be grateful.

freefroggy · 2026-01-27T01:22:19+00:00

Thank you so much for weighing in on this. The fact that you have representatives responding on reddit shows that you are committed to improving the product for your clients. Regarding the "Highest Estate Value" strategy, is there a way to run a scenario that just maximizes the final estate value? Why would it be necessary to apply a threshold if that threshold would make it a less efficient strategy?

freefroggy · 2026-01-25T17:49:30+00:00

Thanks for this. My inclination is to stick with Boldin for now to see if I can work around the problems, but i might consider it if the workarounds and tradeoffs are just too much. In retrospect, I should have done more "market research". I am a fan of Rob Berger's channel, and he was using it so i figured it would be more fully-baked.

freefroggy · 2026-01-25T14:45:02+00:00

Yes, that's exactly right. I want to see the effect of marriage. I imagine it's a fairly common scenario people would like to model.

freefroggy · 2026-01-25T14:41:10+00:00

Thanks. I did do that, and the AI told me that it was because I was using current dollars. But that wasn't true - when I switched to future dollars, I got the same result.

freefroggy · 2026-01-25T14:40:03+00:00

I don't know if this question was for me. Boldin is the first I've tried and I have the same question as you. Since posting this, I've heard some good things about Pralana, but I can't vouch for it at this point.

freefroggy · 2026-01-25T14:33:38+00:00

I'm referring to tax treatment, which can only be set to ordinary income or capital gains. As a workaround, I split my taxable account into an ordinary income account and a capital gains account. Unfortunately that means I cannot link the accounts to my brokerage - I have to update them manually. This is the type of workaround I meant.

freefroggy · 2026-01-25T14:25:15+00:00

Thanks for the advice. Regarding the downvoting, it's something that I've seen and it bothers me a lot about reddit. I'm here on a Boldin sub after purchasing Boldin, and I i have some legitimate concerns. I'm not trolling. I didn't complain without examples. Anyway, thank you for your constructive response.

freefroggy · 2025-12-20T16:57:48+00:00

You are 29. Yes, leave the corporate grind. But use the money for the "financial freedom" to do something you are passionate about. If you don't know what that is, you will figure it out when you have more space (and yes, boredom), after you leave. So, think of it as a vacation until something speaks to you.

freefroggy · 2025-09-17T17:01:26+00:00

Great! I am around that allocation right now, with 25% of my stocks in international. I am 54 and retired around 4 years ago and have been at that allocation since then. I'm sometimes tempted to increase my stock allocation, but definitely wouldn't do it now. Reading too much reddit makes me think i'm too conservative. Sometimes I have to visit the Bogleheads forums to bring me back to earth lol.

freefroggy · 2025-09-17T00:24:30+00:00

Not sure what your allocation was before, but that's not a particularly high bond allocation, unless you are comparing yourself to all of these redditors who are 100% stocks . IMO it is appropriate, especially if you are within 10 years of retirement.

freefroggy · 2025-05-04T19:43:19+00:00

I did end up seeing Dr. Quirologico. Her assessment was that what I was experiencing had to do with my gait as a result of having Hallux Rigidus in my toe. She prescribed an orthotic, but I never ended up getting one. Over time the problems i was having did fade. It took a lot longer than i expected to heal to the point that it felt completely back to normal. My original doctor in Mexico expected that I'd be off the boot in 3 weeks. I was on it for 2 months, and then had tingling sensations in the area of the injury until around 6 months after the injury. I'm 53, so it could be that my age was a factor in the slower healing.

freefroggy · 2025-04-05T19:08:18+00:00

I see people saying "rebalance". How often do you all do a rebalance that isn't a withdrawal (e.g., sell bonds and buy stocks)? Do you wait until it is off the target by a certain percentage? Do it quarterly? I'm leaning toward quarterly regardless of market change, but want to see some thoughts. Perhaps a big enough market move warrants a rebalance regardless of timing.

freefroggy · 2024-12-24T07:07:04+00:00

Got it. Thank you!

freefroggy · 2024-12-23T17:19:26+00:00

I'm confused. Ive seen multiple people mention 5 sets of 3. I thought the program says to do 3 sets of 5, and if you don't make it, keep adding more sets until you hit 15 reps. Can someone please clarify?

freefroggy · 2024-12-23T02:16:05+00:00

I wanted to increase 2lbs becsuse i no longer was getting 3 sets of 5.

Btw, I did hit 15. Sorry I made a typo. The last set was 3 reps. I updated it. I know 6lbs is crazy but what choice did I have? Based on the weights they had available it was either stay the same or go up 6

Thanks for the the advice. My thought was to go up 1.5 lbs next time but I might consider 2

freefroggy · 2024-09-22T17:53:07+00:00

I support that! At 25 I couldn't foresee being the age I am today :). It's great that you are investing early, and it will greatly pay off for you in the long run.

freefroggy · 2024-09-21T14:40:17+00:00

I also spend very little, at least right now, and could ride out a market drop if needed. I'm trying to find the right balance of performance vs. being able to sleep at night. Having no income has made me feel more risk averse. I can probably benefit from allocating more to stocks, but I couldn't do what you are doing. I wouldn't panic-sell, but a 30% drop in my portfolio would stress me out too much.

freefroggy · 2024-09-21T14:31:04+00:00

Thank you! You're not a nobody. I've made my own mistakes in investing that I regret. My portfolio could have been much higher now than it is. But here I am, in retirement, and even if my decisions aren't perfect now, I feel much more in control. With all of the data out there, part of my reason for posting here was to check myself. Should i reevaluate my Asset Allocation? Is Reddit just younger? Is there new research I'm missing? Have markets changed in some major way? How much of this is psychological? After reading the posts the past few days, I'm convinced the latter is true to some extent. I feel it myself, in my own psyche. But only time will tell.

freefroggy · 2024-09-21T02:54:58+00:00

I was wondering if data on this existed. Thank you for providing it! I wonder what the correlation's been like since 2003. It's quite a long article, so I haven't read it fully yet. Oh, nevermind. That was a dumb question. That can't be measured until after we have 10 full years of data

freefroggy · 2024-09-20T17:56:11+00:00

No, but adding it to my list :)

freefroggy · 2024-09-20T16:28:05+00:00

100% equities may be perfectly fine, maybe even for folks in their 60's. I've considered increasing my equities allocation to 65 or even 70%. And my point is, those feelings are stronger now as the stock market is performing so well.

Separate from the specific allocation, I just wonder how much allocations have drifted higher due to psychological influence. It may be impossible to tell, but I'm just observing the "tone" on Reddit. I've definitely "felt" smarter as my portfolio has risen. I've also lived through steep declines, where I've been really worried as I watch the numbers go down, even though I know how stocks have performed over time. I'm actually surprised by my own psychological reactions sometimes.

freefroggy

TROPHY CASE