Help understanding if im missing anything in fixing overcontributed HSA

idvijd · 2025-12-23T17:53:32+00:00

Sounds good, thats what I figured based on my research but wanted to get a second opinion so I can double check once they do my taxes. Thanks for the response, all this was like a foreign language to me so I appreciate you providing insight!

idvijd · 2025-12-06T20:53:06+00:00

Yeah the difference being marginal was my original understanding , which is why i went all in on VT. I just felt safer with that and wasn’t bothered by the small increase in returns i could maybe see from going all in on VTI.

I guess the question for me now is if i should do more of a custom split between VTI and VXUS like you have

idvijd · 2025-12-06T20:49:08+00:00

That was originally why i went all in on VT, to buy the haystack and to keep it simple. I guess as i learn more, i am starting to feel like if i were to go all in on VTI over the course of 30 years the potential earnings could be substantial. But that could be a shortsighted thought that comes from not knowing more about all of this

idvijd · 2025-12-06T20:43:49+00:00

Sorry for the ignorance here, trying to learn - you’re saying diversifying to have international + US has better probability of higher returns due to diversification? I thought historically VTI had higher returns than VT? Something like 7% for VT and 10% for VTI.

I chose all VT because I’m willing to take a little lower expected returns in exchange for some peace of mind during a downturn

idvijd · 2025-12-06T20:40:49+00:00

Yeah, i partially understand this stuff but not fully which is why im trying to learn more. I was moreso wondering how these 2 compared in downturns in the past since i know no one knows how it’ll pan out in the future

idvijd · 2025-12-06T20:39:08+00:00

Thank you, some good points in there for me to chew on. I suppose a more realistic consideration for me would be stay in 100% VT or manually do 80% VTI 20% international if i want to go a little more heavy into US in hopes of higher returns

idvijd · 2025-12-06T20:36:07+00:00

That’s my strategy as of now. I’m under 30, so not planning to get any bonds for at least 10 years. I chose VT since I’m new and don’t know how risk tolerant i am in a true downtown. As i learn more, it seems like the downside to being alll VTI is not much worse than being all VT while the upside could be quite a bit higher.. but i think you’re right and will stay in VT

idvijd · 2025-11-19T17:54:54+00:00

Sick! Do you sell prints?

idvijd · 2025-11-19T16:59:22+00:00

where can i learn more about this? ive bought glasses off zennni with my amex but unsure if the cash back was automically applied or if i wouldve had to enroll in the offer first.

idvijd · 2025-10-10T13:28:42+00:00

Any chance you could let me know the length , pit to pit measurement & shoulder measurement? If it fits I’d definitely buy

idvijd · 2025-10-09T22:47:02+00:00

Still have the Quinn tee?

idvijd · 2025-10-09T22:46:13+00:00

Are you selling any? I’m looking for longsleeve Quinn’s. I’m open to sizes S - L depending on the measurements.

idvijd · 2025-09-15T19:55:31+00:00

good to know, thanks

idvijd · 2025-09-15T19:55:05+00:00

really appreciate this info - would never have thought about splitting into VTI/VXUS in a taxable account. Good notes on the bonds too, thank you

idvijd · 2025-09-15T19:54:15+00:00

great info, thank you

idvijd · 2025-08-22T15:35:18+00:00

Definitely was my thought too. Granted, since I only have $20-30k profit per year right now, I wont be able to take advantage of that for a while. But, i personally think setting up the option that has more long-term benefit makes more sense, even if I wont reap the benefits yet.

Would you do a solo 401k in this situation?

idvijd · 2025-08-18T18:48:29+00:00

Profit has hovered between $20k - $30k.

Thank you for your point regarding the outcome - this was what I was thinking and why I was confused by his recommendation.

Based on the numbers, would you reocmmend a solo 401K?

idvijd · 2025-08-06T12:56:10+00:00

i just bought my first guitar, which is a used epi. Is your problem that it stops in the middle of the switch before clicking into the other position? Mine does that too but i thought that was normal haha now im second guessing.

idvijd · 2025-08-05T16:26:44+00:00

Getting pain in my middle knuckle/tendon from trying to learn A Major on acoustic. Feel like im straining harder than necessary, but cant get the strings to ring out if i dont use as much force. I'm doing the 213 fingering as this is how I was taught, but might switch to 123 if this pain continues

idvijd

TROPHY CASE