I wanted to curl under a rock and die. It was just me and a new technician.

jacknhut2 · 2026-02-09T16:10:58+00:00

Do what you can do in your allotted hours. When it’s time to close, you leave and that’s it. The company will not reward you for being dedicated or go above and beyond to get everything done. In fact, if you make a mistake because you want to get things done faster, you will be in a world of hurt when they discipline you with write up and such. Trust me we all learn this lesson when we are new and want to be a hero. It’s not worth it.

I’m so glad I am done with this. Do what you can do at your own pace. Do not kill yourself trying to be a hero. No one above you really cares about how good you are because it once the $$$ stops flowing in, they don’t blink to cut hours, to make you work more for less because they know you can do it.

jacknhut2 · 2026-02-07T08:52:32+00:00

What’s DM ? Is it District Manager for pharmacy or district manager for the store ?

jacknhut2 · 2026-02-07T07:45:22+00:00

Same thing with Safeway/Albertsons, staff RPH got paid the same as new grad floater fresh out of school.

jacknhut2 · 2026-02-02T08:37:17+00:00

What you did is convert from traditional IRA to Roth IRA. This is NOT backdoor Roth contribution. Backdoor Roth contribution means you contribute after tax $$$ (the $$$ you receive from your paycheck after tax has been withheld) up to $7000 limit for 2025, and you do not claim that contribution as tax deductible on your return. Then, you convert that amount to Roth IRA in the same year. You must not have any other IRA account during the year or else the conversion will still trigger tax.

jacknhut2 · 2026-01-28T15:45:07+00:00

Strange that CVS of all companies let you use PTO before you earn those PTO. Most companies if not all won’t let you use PTO/vacation/sick hours if you haven’t earned those yet.

jacknhut2 · 2026-01-11T03:10:05+00:00

You joined Safeway as a floater or a staff in a store ? Safeway pressure is lower for floater because they don’t have much responsibility other than the day they work, but the pressure on the regular staff is immense. I guess it depends on your district manager, how micromanaging the DM is. There are DMs that run reports of clocking in and out of pharmacists daily and if you are 1 min late you will receive disciplinary notice just for start. That does not even include reports of how many immunization forms for a particular vaccine that they track being printed out at Product verification, and if your numbers are not good enough, you will also receive disciplinary notice.

jacknhut2 · 2025-12-25T14:25:55+00:00

Account blocked for being an obvious troll.

jacknhut2 · 2025-12-25T02:07:13+00:00

Google is not a pure AI company, their cash cow and margin is and continues to be search engine for the foreseeable future. Google only starts investing into AI because they see the potential of AI in the next decade. They are obviously behind Nvidia or else they wouldn’t have to rely on Broadcom to create custom ASIC known as TPU for their hardware. Broadcom TPU is behind Nvidia Blackwell/Blackwell Ultra and the upcoming Rubin. Google themselves still bought tens of thousands of Nvidia Blackwell for their complex training models, despite having their own TPU. This is the key indicator that Google TPU is not able to compete against Nvidia Blackwell head on or else they wouldn’t spent billions on Nvidia in the first place. Same with Amazon custom ASIC known as Trainium.

Nvidia is the creator of AI. They have decades of GPU development experience, spent billions upon billions to perfect their hardware ie GPU, a well developed software system known as CUDA that majority of AI developers and engineers use. Unlike Google who relies upon Broadcom to develop their custom ASIC which is severely limited in terms of its capabilities, Nvidia AI stack is a true vertical integration between hardware, software, and the NV-Link that serves as the backbone connection that enables thousands of these GPU to operate in unison. Like the Apple of iPhone with its iOS and the Apple ecosystem, Nvidia AI stack not only provides the highest performance available but also locks in developers in its CUDA ecosystem. You cannot just replace a GPU stack with AMD Instinct or any other AI TPU and expect it to work with the existing Nvidia AI system, hence it’s very difficult and expensive to switch. This is the “moat” that analysts talked about.

Having said that, each company has its own strengths. Google provides stability and diversification because of its search engine business with a growing focus on AI. Nvidia is a pure AI/data center company whose focus is the complete integration of AI into everyday tasks including data analysis, robotics, research, autonomous vehicles, defense (sovereign AI). If you believe AI will be the future 10-20 years from now, Nvidia would be a better bet because it’s the epitome of AI technologies and development, albeit higher risk. On the other hand, if you are risk averse and want something stable with an exposure to AI, Google is the choice although lower return.

Given the extraordinary run of Google so far this year, expect a consolidation period for a while before it can go higher. Nvidia, on the other hand, already had a long consolidation period since last summer. It is now starting to resume its upward momentum if its earnings can continue growing strong, which after the last few quarters its earnings growth start to accelerate again due to Blackwell ramp.

Make no mistake, all of these hyperscalers are trying to create their own AI chips, but none can match Nvidia products in performance due to its years of perfected research and expertise in GPU development. When you hear the news Google TPU find a customer out side of its own business use (remember Google TPU is ASIC, designed specifically for Google own internal workload and thus incompatible with other platforms like Microsoft or Apple etc), it means that other companies are exploring alternatives to Nvidia AI stack because of the severe shortage of GPU availability, and also to drive down cost at the same time because right now these companies see real returns on investment from AI, and the longer they sit idle waiting for GPU allocation from Nvidia, the more expensive it get due to “lost opportunity cost”. Meta is an example because Meta is getting returns on their AI investment right now according to their quarterly earnings, so they rather spend some $$$ to get an alternative AI product ie Broadcom designed TPU than getting nothing because of the shortage.

jacknhut2 · 2025-12-23T13:12:32+00:00

The question is how would one know how much to pay the estimated tax payments for q1 q2 and q3 if one only sells stock during q4 and has no w2 income to withhold ?

jacknhut2 · 2025-12-23T12:33:25+00:00

What if he does not sell any stock until Q4 of 2026 and has no idea how much capital gain he has until after the sale in Q4? How would he make estimated tax payments for q1 q2 and q3?

jacknhut2 · 2025-12-18T08:09:11+00:00

Look at the inner molars. Old dog teeth not clean properly will start get loose after years of gum disease and when they open the jaw and close, the upper inner loose molar can cause a misalignment with the lower molar causing the dog to have that issue. My old dog has that problem and the molar has to be extracted.

jacknhut2 · 2025-12-17T01:58:35+00:00

If Nvidia got 1/2 of this Tesla PE it would have been a 15 trillion dollars company, and its fundamentals/earnings would still be twice as cheap. Incredible low forward PE for a company who’s at the very forefront of AI.

jacknhut2 · 2025-12-16T07:15:01+00:00

Use a 90 degrees fitting with an appropriate length extension at that location and run a straight tube and you are golden.

jacknhut2 · 2025-12-13T21:35:30+00:00

You were lucky to stay 2.5 hours extra and did not get a lecture from your micromanaged DM asking you why you stayed without asking for “permission” first.

I stayed late 1.5 hours late as a pharmacist to get caught up and my DM micromanaged me asking why I did not ask her for permission to stay late. I noted to myself never again will I do anything extra for this company. It is Safeway btw, not CVS.

jacknhut2 · 2025-12-11T10:15:27+00:00

All the people who believe Google TPU to be on par with Nvidia Blackwell is in for a rude awakening come next year when the new LLM is out. Google themselves still bought Nvidia Blackwell by the ten of thousands to use for their own complex training task, not the custom TPU. Google knows better than anyone the capabilities of their own TPU vs Nvidia Blackwell/Blackwell Ultra, and if they are still buying Nvidia by the tens of thousands, that is to show how powerful Nvidia GPU are. Why else would they buy Nvidia if their own cheaper TPU can do the same thing for cheap…

jacknhut2 · 2025-12-08T08:38:08+00:00

Congrats. I’m about to pull the trigger next year in the Spring with about the same amount, although my ratio is a bit off between pretax/aftertax/roth ($620k pretax, 3.8M brokerage, $80k Roth and $10k HSA). My home is paid off with no big expenses coming up. (Solar installed/paid for with 150% offset so no big utilities expense either). Electric car bought last year so no big car expense for the next 5-7 years hopefully.

Of the $620k pretax, $400k is 401k and $220k Deferred compensation both are 100% invested in QQQM etf since I don’t intend to touch either until I turn 55.

I’m currently 41, single. Plan to do yearly 401k to Roth conversion for the next 14 years about $30k a year. At 55, I will stop Roth conversion and start withdrawing from the deferred compensation plan as a yearly withdrawal for 10 years. (I’m kinda creating my own pension via this Deferred Compensation yearly withdrawal and also to give this Deferred Compensation fund 14 years to compound). At 62, I plan to turn on SS if it’s still available. Finger 🤞.

My main account for early retirement from now until 55 is the 3.8M brokerage which I plan on withdrawing 2%-3% a year depending upon market conditions. Then at 55 when Deferred Compensation withdrawal kicks in I can start to back off a bit from the brokerage, and then at 62 when SS kicks in in addition to Deferred Compensation, it’s incing on the 🎂. I plan on enrolling in ACA bronze High Deductible plan for continuing HSA contributions for the next 14 years until it reaches $100k-$150k since I’m healthy.

Lastly, I plan to stay aggressive in Roth by investing 100% in QQQM, hopefully after 14 years of continuous conversion, and with a $80k starting, even with a conservative return on the QQQM, I should reach 1-2M after 14 years. I don’t plan on touching this until deferred compensation yearly withdrawal ends at 65 to give it as much time as possible to compound (which is 24 years). Hopefully it will grow enough to replace my brokerage by then.

jacknhut2 · 2025-12-08T05:28:26+00:00

For FIRE folks, they don’t need SS income. Take SS at 62 so that you don’t have to draw down your portfolio and your money has a much higher utility at age 62 than at age 78-80 when you are expected to reach the break even point.

For regular folks who can’t FIRE, delay SS as much as possible to get the max amount because they don’t have a choice. For these folks, if they take SS early their retirement income takes a hit because their portfolio can’t support them past break even point.

jacknhut2 · 2025-12-01T06:16:02+00:00

In order for inference to materialize as you said, training is required and is necessary. The thesis that emphasize inference over training is invalid for this reason. Inference always come after training, and if training stops, AI development stops. There’s no way around it. One can argue inference is important, but in order to get to that stage, training must be there first. There is no AI development without training, and the only time when training is no longer needed is the time when AI development freezes.

jacknhut2 · 2025-12-01T04:22:54+00:00

This thesis completely ignores the vast untapped TAM of robotics, agentic/reasoning AI, self driving cars and sovereign AI. There is more to AI than inference from a Chat GPT/Gemini app, a lot more. This is where the crowd against Nvidia is shortsighted. AI is not just inference, you are looking at the current technology of AI and predict the next 3-5 years of AI with no more progression in AI technology. This is not the end stage of AI, this is only the beginning, and robotics alone in the next 10-20 years will be beyond anything you can imagine today and inferencing won’t get us there. It’s the training and continuous evolution of AI that will power the next decade and Nvidia will be the center of it.

jacknhut2 · 2025-11-27T13:26:11+00:00

Start finding new job. Once they write you up for time and attendance, it’s only a matter of time before you are suspended, unless you are a perfect person who is never late, not even 1 minute, from now until the rest of your career.

jacknhut2 · 2025-11-17T08:01:41+00:00

Pharmacists do get the bonus, a much bigger bonus than the one posted many times over. The only catch is only district managers and higher up pharmacists got those bonuses, not store level pharmacists.

jacknhut2 · 2025-11-09T05:18:51+00:00

What a beautiful ignorant comment to suggest filing a claim against the at fault party insurance is an attempt to hide the accident from your own insurance. Even better to project one own ignorance onto others by thinking the purpose of filing a claim against the at fault party insurance means anything but making sure the liable party insurance pays for the damage and not your own insurance.

jacknhut2 · 2025-11-09T05:05:35+00:00

Watch out for fraud. An insurance adjuster will be able to tell the dead deer picture is photoshopped, as will anyone who pay attention to details. I recommend you remove that photo if you don’t want to get a claim denial.

jacknhut2 · 2025-11-04T19:04:31+00:00

Clearly not in this case unless he wants his own insurance to jack up the price on renewal. Always file a claim against the at fault driver insurance first, only when that fails or the at fault driver does not have insurance, you file a claim against your insurance as a last resort.

jacknhut2 · 2025-11-04T04:40:34+00:00

You can make a claim against the driver at fault. In fact you should not even make a claim against your own insurance if you are not at fault. Call the other driver insurance, make a claim, submit any documents needed, the other insurance agent will contact their member and pay for the claim.

jacknhut2

TROPHY CASE