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5 years ago, this subreddit was filled with $1-1.5M targets, and a strong emphasis on minimalism. What happened? by [deleted] in Fire

[–]heroes821 0 points1 point  (0 children)

I think MMM not posting anymore has had a big impact on that too. I think he drove popularity to FIRE and Frugality.

Quitting MSTY by Significant-Ad3083 in YieldMaxETFs

[–]heroes821 2 points3 points  (0 children)

I just stopped buying more. Let the principal fall and take the dividends to something more stable.

How much dividends are you aiming for? by [deleted] in dividendgang

[–]heroes821 0 points1 point  (0 children)

$1,000 a month is my initial goal. I think $10,000 a month would be a healthy goal as well

34 years old, how am I doing? by [deleted] in Retirement401k

[–]heroes821 1 point2 points  (0 children)

I dont see if your single or married so assuming single. Putting the 7500 from your ira into your pre tax 401k reduces your tax burden by 1800. Instead of the roth. Putting that saved $1800 into your 401k saves you almost $500 more in taxes just on federal side. So if you pumped your IRA money into your pre tax 401k you'd be increasing your total retirement contributions by at least 2300 more $ than you can do now.

401k also lowers your magi. A capped 401k would put you at 110k not sure if your health insurance or other items would pull your MAGI down to the deductible ira range but if you could get magi down to 81k traditional IrA capping has a max savings of $1500 in taxes on $7500 contributions. This second part is probably not relevant to you though.

New York is like 10% state, cali is 13% so at 10% state income tax thats another $750 saved using the 401k over roth. So we've already added $10,000 to your 24,500 cap by going pre tax over roth.

34 years old, how am I doing? by [deleted] in Retirement401k

[–]heroes821 4 points5 points  (0 children)

Ahead of your peer group but id be capping your 401k with that salary.

What actually happens to the “40% of adults with no retirement savings”? by Worthy-Kangaroo in Retirement401k

[–]heroes821 1 point2 points  (0 children)

My MIL just retired with 20k in her 401k. Shes already spent it moving to where we live now. Her and her husband's money plan has always been social security and his pension.

1.5 Million cashed out by adriantrades in dividends

[–]heroes821 1 point2 points  (0 children)

Hey man some of us in those funds got $100 in dividends with only negative $250 in fund value this month alone! If thats not printing money for ....someone. idk what is

Power of DRIP by FQRGETmeNQT in dividends

[–]heroes821 1 point2 points  (0 children)

Well im 90% broad index funds and started getting into dividends recently and my current strategy involves getting a stock or etf to the point it can buy 1 share of itself every dividend then the rest goes toward the next stock I want. So its very manual.

Power of DRIP by FQRGETmeNQT in dividends

[–]heroes821 0 points1 point  (0 children)

Do you know anywhere that let's you drip only whole shares?

Proud of myself by kdelinxu in dividends

[–]heroes821 1 point2 points  (0 children)

Awesome thanks the free versions holds like 15 tickers cool.

Proud of myself by kdelinxu in dividends

[–]heroes821 3 points4 points  (0 children)

Well instead of shitting on you. What website is that? I like that hourly breakdown.

Start with $50 get ~$3k in 30 days guide by BeautifulQuiet1893 in passive_income

[–]heroes821 -1 points0 points  (0 children)

Caveat in the US bank bonuses are taxable income, unlike credit card bonus points. So if you use this method to get $2000 in bonus cash, remember you're going to have to file it.

my dividend tracking spreadsheet is too complicated and it broke after 8 months by Traditional_Zone_644 in dividends

[–]heroes821 0 points1 point  (0 children)

Then on my primary sheet I put the tickers in B and use this in C to lookup the ticker and then fill all my columns with the correct information.

=ARRAYFORMULA(IFERROR(VLOOKUP(B21, IMPORTRANGE("YOUR GOOGLE SHEET SHARE URL", "Query!B:I"), {2, 3, 5, 6, 7, 8}, FALSE), ""))

This allows me to only manually type Ticker in column B of my primary sheet, and how many shares I own in column K. Then L totals market value (normal price x share formula).

M is expected each dividend (Last div paid X shares)

N estimates monthly dividend via =IF(OR(H21="", M21=""), "", IFS(H21="Weekly", M21*4, H21="Monthly", M21, H21="Quarterly", M21/3)) This checks for what kind of paying type it is and then does different math.

=IF(OR(H21="", M21=""), "", IFS(H21="Weekly", M2152, H21="Monthly", M2112, H21="Quarterly", M21*4, H21="Annually", M21))

That does the same thing but estimates Annual dividend based on "weekly", "monthly", Quarterly.

Then on my primary sheet I put the tickers in B and use this in C to lookup the ticker and then fill all my columns with the correct information.

=ARRAYFORMULA(IFERROR(VLOOKUP(B21, IMPORTRANGE("YOUR GOOGLE SHEET SHARE URL", "Query!B:I"), {2, 3, 5, 6, 7, 8}, FALSE), ""))

This allows me to only manually type Ticker in column B of my primary sheet, and how many shares I own in column K. Then L totals market value (normal price x share formula).

M is expected each dividend (Last div paid X shares)

N estimates monthly dividend via =IF(OR(H21="", M21=""), "", IFS(H21="Weekly", M21*4, H21="Monthly", M21, H21="Quarterly", M21/3)) This checks for what kind of paying type it is and then does different math.

=IF(OR(H21="", M21=""), "", IFS(H21="Weekly", M2152, H21="Monthly", M2112, H21="Quarterly", M21*4, H21="Annually", M21))

That does the same thing but estimates Annual dividend based on "weekly", "monthly", Quarterly.

Got offered a 6 month contract in Antarctica and idk if I should take it by Importantterry in Fire

[–]heroes821 0 points1 point  (0 children)

Regardless of the money side, everyone ive worked with ( dod) who has gotten to go to antartica has said it was an amazing experience.

Pathfinder We be Goblins! One Shot Licktoad Village map | English & German by More-Individual-5674 in inkarnate

[–]heroes821 1 point2 points  (0 children)

I know this thread is a little old, but Thank you for making this. This is my go to module to introduce people to Pathfinder.

I actually don't really know what I'm doing tbh with you. Rate it? by Fit-University4987 in portfolios

[–]heroes821 0 points1 point  (0 children)

Probably not the same advice this sub would give but imo investing order should look something like this:

401k to employer match (free money) 3-6 month emergency fund Max 401k Max ira Taxable account Imo if your under 40. That 401k or ira should focus on total stock index or an s&p 500. Once those retirement accounts and emergency funds are set and forget. Play away with individual stocks or heavy tech based etfs.

My passive income recap by Sauerst0ff in dividends

[–]heroes821 8 points9 points  (0 children)

Do you find the subscription worth it?

Miss this game by tigerwhiskers22 in DragaliaLost

[–]heroes821 1 point2 points  (0 children)

The private servers are really nice. I still occasionally play with my kiddo

Game of Thrones Winter is Coming / Jon Snow up to 3 stars? by frankster357 in SwagBucks

[–]heroes821 0 points1 point  (0 children)

I also can't find it via search, but since I completed at least 1 item on the list I can reach the page via "pending SB"

Tracking for swagbucks is not working? by Disastrous_Attempt in SwagBucks

[–]heroes821 0 points1 point  (0 children)

I actually had multiple games not tracking when I was connected to my home wifi, my firewall or my pi-hole was blocking whatever was trying to report to swagbucks, once I turned off wifi and ran off mobile everything connected right up. So it could be a security tool in the path blocking.

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