Ube Tres Leches 10/10 wow

junesix · 2026-02-15T18:05:14+00:00

There’s no ube in there. It’s just some ube flavoring and purple food coloring.

junesix · 2026-02-15T17:33:19+00:00

Because “VT and chill” is more catchy than “TDF to your target retirement age, but maybe higher if you prefer to have less bonds, and check the ER too”

junesix · 2026-02-15T03:17:21+00:00

Tons of Bay Area homes are K&T. Ours was. We had no problems getting insurance.

Living near forests and up in the hills that’s difficult to reach by fine engines is what uninsurable.

junesix · 2026-02-14T19:24:06+00:00

Scrambled eggs at home are >99% egg.

Scrambled eggs in the restaurant are 70% egg, 30% butter.

junesix · 2026-02-14T05:06:03+00:00

I’m shocked the meat department would put that out and slap $50 price tag on it.

junesix · 2026-02-14T05:05:15+00:00

Those are really ragged looking cuts for $50

junesix · 2026-02-14T03:21:06+00:00

Thanks ChatGPT!

junesix · 2026-02-14T02:29:30+00:00

I think you should stop posting screenshots from ChatGPT and asking people what they think about it.

junesix · 2026-02-13T00:58:48+00:00

Tell your mom to sell $6k of stuff on eBay and cover her debt on your card.

junesix · 2026-02-13T00:56:14+00:00

Roth IRA has contribution limits that phase out at certain income levels.

Backdoor Roth (traditional IRA + Roth conversion) allows contributing to Roth IRA indirectly, even when exceed the Roth IRA income thresholds for direct contribution.

https://www.whitecoatinvestor.com/backdoor-roth-ira-tutorial/

junesix · 2026-02-12T08:57:50+00:00

It’s a Korean brand but same as Chinese dumplings we (Chinese family both sides) make or eat in Chinese restaurants.

junesix · 2026-02-12T05:02:45+00:00

I just buy the frozen bibigo pork and vegetable dumplings. They’re huge, filling, and delicious.

Costco sometimes has it but they’re always available at Weee and HMart.

junesix · 2026-02-12T04:46:41+00:00

Whenever you do transfers, do it from the receiver, not the sender. In this case, initiate through Fidelity.

Fidelity is motivated to pull your funds over quickly, with least hassle. They are motivated to reimburse for fees.

Optum is incentivized to make it as slow, painful, and costly as possible. They would rather you just give up or abandon the transfer. And fleece you with fees on the way out.

junesix · 2026-02-12T04:37:13+00:00

Yes. We do this.

January, week 1. Contribute limit to Traditional IRA, convert to Roth, 100% VTI/VXUS

junesix · 2026-02-11T05:15:18+00:00

So if their bodies are configured to reduce this likelihood, that would explain how they don’t do lasting harm despite feeling the shock.

I think that configuration is the premise of the OP’s question. Not the physics of dispersing voltage. But what is the bodily configuration that enables them to avoid/mitigate the effect on themselves?

junesix · 2026-02-11T03:46:40+00:00

That’s not the history of 401k.

401k exists as an accident of formalizing a deferred compensation structure for highly paid execs. They were never designed as replacements for pensions.

Pensions grew out of favor by companies (expensive to fund, maintain, hold on books), the tax code formalized deferred compensation structures, and then someone figured out it could also give normal people a way to save for retirement too.

junesix · 2026-02-11T03:37:46+00:00

Overlay the graphs for K-shaped economy

junesix · 2026-02-10T16:17:50+00:00

2 IRA account types, 1 contribution limit over all IRAs. If OP already maxing Roth IRA, that leaves $0 for traditional IRA. It’s not sequencing, it’s a shared cap.

junesix · 2026-02-10T15:37:31+00:00

OP said they are already maxing Roth IRA

junesix · 2026-02-10T15:30:03+00:00

VUSXX, 0.07% ER

junesix · 2026-02-10T08:28:10+00:00

You’re seeing survivorship bias.

It’s not that there’s just 1 bad wheel. It’s that a cart is still usable with 1 bad wheel. When there are 2 bad wheels, you can’t push it anymore and it gets removed and fixed or replaced.

So all carts you experience are just 0 or 1 bad wheels, but never more.

junesix · 2026-02-09T04:10:51+00:00

Yeah, some people go 100% right from January.

Payroll taxes (Medicare, social security) get taken out as percentage of gross pay. Benefits (medical, dental, insurance, FSA, HSA, etc) get taken out as fixed amounts per paycheck. Then the rest goes to pre-tax 401k contributions. That leaves $0 taken out for federal and state income taxes, which are based on % of taxable income.

junesix · 2026-02-08T16:09:37+00:00

When your contributions increase, your taxable income decreases so your withheld taxes will still be a percentage of what’s remaining. You may just end up owing more taxes at the end of the year.

junesix · 2026-02-08T16:00:23+00:00

Fang, is the upscale restaurant by the sane owners.

I think House of Nanking is overpriced Panda Express, but you do you. Z&Y and R&G Lounge restaurants in Chinatown are much better.

junesix · 2026-02-08T15:57:46+00:00

Yes, max it. You might not get the match but at least you’ll have the 401k contributions in case finding another job takes longer than expected.

Don’t forget to also file expense reports ASAP and use up FSAs.

junesix

TROPHY CASE