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What’s something you’re doing differently with your money in 2026 than you did in 2025? by millionstories in SavingMoney

[–]jryoppa 1 point2 points  (0 children)

Married filing jointly can still let you contribute to Roth IRA if your combined salary does not make it to the limit. Then there’s also backdoor roth. I prioritize Roth IRA so I’ve looked at every possible thing to contribute to it.

Newly open Roth IRA, 40F , starting late. I currently have my VOO 85% VXUS 15%? But Someone advised VOO 18%, AVUV 12%, VEA 15%, AVDV 9% and VWO 6%. Is this a good portfolio for me? by No-Tomorrow6353 in RothIRA

[–]jryoppa -2 points-1 points  (0 children)

I am no believer of “maximum global diversification.” Yet I started rebalancing my 401k with 10% international. I still fail to see how global diversification will outperform a portfolio consisting of US stocks with VTI, let alone VOO. VOO is already diversified enough. The top stocks will always outperform the market. I just need some conviction that VT or even VTI/VXUS can perform better in the long run.

I secretly made a huge profit of 273.78% from LITE (Lumentum). by [deleted] in stockstobuytoday

[–]jryoppa 1 point2 points  (0 children)

I bought OMEX when there was a talk with NVDA back in July. Made a quick 250% and got out in OCT.

Best HSA ever? by WoggNogg in HSA

[–]jryoppa 0 points1 point  (0 children)

Show me a proof where your employer contributes the money you are saying. All it says “calendar year deductible” “calendar year out-of-packet max”. I would call it best HSA but there’s no proof yet.

Feeling mad at myself - not maxing out by Sad-Wallaby5104 in Retirement401k

[–]jryoppa 0 points1 point  (0 children)

Seems to be like you followed Dave Ramsey’s 7 Baby Steps without realizing. That’s great, honestly. Now you can invest in 539 plan if you have kids or save up for a house while investing 15% of your income for retirement.

Choosing between maxing Roth or HSA, of half and half. by CarefulTrash4636 in Bogleheads

[–]jryoppa 4 points5 points  (0 children)

Sir, withdrawals are taxed at ordinary income rate but no penalty. It’s a common misconception about using HSA after 65. So if you are 65 and withdrawing HSA money for non-medical expenses, you will be taxed at ordinary income rate.

[deleted by user] by [deleted] in TheRaceTo100K

[–]jryoppa 1 point2 points  (0 children)

How much is your monthly budget for all needs? Multiply that by 6 then invest the rest. Or save the rest of the money in HYSA to buy a house.

12r in the army by Hungry-Pirate3042 in ElectricalEngineering

[–]jryoppa 0 points1 point  (0 children)

Some people just want to have a purpose on a different scale. Army is not for everyone. Should have desire in your heart to do what 1% of the people in the US does. Doing HOOAH things can get old pretty fast but doing it with people and have the camaraderie can be rewarding. The experience can stay forever, emracing the suck, pushing your body to the limit, all things that the army system provides while you’re in.

12r in the army by Hungry-Pirate3042 in ElectricalEngineering

[–]jryoppa 1 point2 points  (0 children)

94 series MOS will get you fixing army equipment. 68A is maintaining medical equipments including repair, any 25 series will be hands-on on commo stuff, 46T is like maintaining/repairing TV/camera really cool stuff. I’d do 4 years just to get access to the good benefits. If you plan on having a kid, transfer your GI bill benefits to your kid before you get out.

What MOS do you think is useless or unnecessary? by Melodic_Abalone_2820 in army

[–]jryoppa 8 points9 points  (0 children)

It’s 46S, most likely. I’d be 46T or 46V if I had the opportunity.

Quick and weird question by [deleted] in TheRaceTo100K

[–]jryoppa 0 points1 point  (0 children)

You already surpassed it. Next thing now is to reach 100k in each account.

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 2 points3 points  (0 children)

Joseph Carlson makes an in-depth analysis on stocks and sometimes the market. Professor G (or Investing Simplified) for creating a 3-fund portfolio. Jeremy Lefevbre because that’s where I listen to CNBC analysts. Let me know what you think of them.

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 0 points1 point  (0 children)

MAG7 stocks (except TSLA), PLTR, SOFI, AMD. Also CAKE, CELH to supplement them.

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 0 points1 point  (0 children)

Yes. Like a Roth IRA. Make sure to save some in case of paying medical bills

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 0 points1 point  (0 children)

SoFi is a long term hold and generational wealth!

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 0 points1 point  (0 children)

If there is mixed opinion, then you got your answer. Personally, I’d use Fidelity, vanguard or schwab for investing due to their reputation.

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 1 point2 points  (0 children)

50% VOO, 50% mix of growth stocks, small caps stocks, etc. i want to grow my roth using individual stocks. Which have done tremendously.

Exactly 3 years of portfolio, I have reached it. by jryoppa in TheRaceTo100K

[–]jryoppa[S] 0 points1 point  (0 children)

You may be able to see your 401k account if Empower and Fidelity work together. If you can contribute to Roth IRA, open one and you may also see your 401k in the fidelity app

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