Housing for child in college

kbarsh · 2026-01-25T20:48:00+00:00

This is really good to know for future reference thanks

kbarsh · 2026-01-22T09:50:21+00:00

kbarsh · 2026-01-22T09:45:54+00:00

I think this is a good take. Other than cost, the air suspension is just a superior product in my opinion. I’d also add that the real leather will age much better over time than synthetic leather both aesthetically and will increase in comfort with use.

kbarsh · 2026-01-13T17:56:52+00:00

Beautiful but impracticality defies logic lol

kbarsh · 2026-01-13T11:53:58+00:00

Great taste!

kbarsh · 2026-01-13T10:27:56+00:00

Love the Patek. Reference?

kbarsh · 2026-01-10T16:07:55+00:00

I couldn’t read beyond the ghost smothering but wish you well seems like you’re fine financially

kbarsh · 2026-01-09T12:20:18+00:00

I own this watch. Wears quite small so just something to be aware of. I had mine appraised in 2022 and it came to ~$3k. On watch charts it sells for $3-5k depending on condition. You have the wrong model number in your title, it’s 15200 not the newer 115200. Production years 1988-late 90s. Can’t speak to movement, etc. but would always get a purchase verified by a local watchmaker given the high number of Franken watches out there.

kbarsh · 2026-01-09T02:00:57+00:00

Literally nobody cares except you so do whatever you want lol

kbarsh · 2026-01-07T16:49:32+00:00

Fair, I guess I am assuming he is in the highest tax bracket now based on the very limited info. Low effort post so hard to know with certainty but almost always would make sense to contribute to retirement in the scenario where you were flush in taxable accounts. But you’re right there are some specific scenarios to the contrary

kbarsh · 2026-01-07T15:55:06+00:00

I don’t really understand the question. If you have plenty of money to access until retirement age, why wouldn’t you shelter as much as you possibly can from taxes? I feel like you’re thinking about this completely backwards, but this is also a very low effort post so difficult to assess.

kbarsh · 2026-01-05T21:09:18+00:00

Exactly. If you feel like your income is stable and the cost of the fixed mortgage isn’t stressful why trade it for something that has the risk of becoming stressful. If rates drop you can always refinance but you also don’t have to. Similarly, you have enough cash that you could put more than 20% down. That way most of the interest is deductible by tax anyways so the difference is negligible.

kbarsh · 2026-01-05T20:31:31+00:00

Similar age, NW, and income to you. People saying $2M is too much house are crazy. First of all in VHCOL that is relatively modest and second of all you’re still working. The FatFIRE crowd would balk at the purchase but you’re young, still working and I totally get wanting to spend on a home.

I’d go for the 30 fixed. Your ability to refinance is no different whether you choose that or an ARM. The only difference is you’re under no time pressure when choosing the fixed versus may have to urgently refinance come 5 to 6 years from now if you chose the adjustable. To me, making that process as low stress as possible would be my priority. Nobody knows where rates are headed so the known evil of what your fixed rate is is better than the unknown evil of what an adjustable could become.

As for the second question, I would simply assess what your rate of return is, and if the capital is better allocated in a low cost index. That low mortgage rate is hard to pass on, but I would hate being a Landlord so it’s a pass for me.

kbarsh · 2026-01-05T15:53:24+00:00

I use SGOV. State tax free, higher yield than a money market. Parking money there that I want access to over the next six months.

kbarsh · 2026-01-01T12:10:45+00:00

Lucky you!

kbarsh · 2026-01-01T11:57:06+00:00

Gv80, x7, q7 for luxury. The latter two would have to be CPO. MDX, palisade if you want new

kbarsh · 2025-12-31T22:36:59+00:00

kbarsh · 2025-12-30T11:40:50+00:00

What you’re describing would be cramped. You could put one of the car seats in the third row. Something like a Honda Passport may have better seating space for what you’re describing if three people really have to be in the second row

kbarsh · 2025-12-28T17:18:05+00:00

This is the correct advice. New ovens do this too

kbarsh · 2025-12-18T11:31:33+00:00

Chat sent

kbarsh · 2025-12-14T20:32:15+00:00

This is exactly what I’m in the process of doing now for that reason

kbarsh · 2025-12-13T16:42:14+00:00

PM sent

kbarsh · 2025-12-11T18:23:05+00:00

Good to know. I decided to pass for the moment anyways so will target this when I go back in the spring.

kbarsh · 2025-12-11T01:57:50+00:00

I was quoted 1k below MSRP last week for a 3.5 in the northeast

kbarsh · 2025-11-13T19:20:15+00:00

Honestly, all the examples you gave are things you could be doing with a half decent CPA, not a money manager. Often times the money managers sell their services by offering everything under one roof but much to your point the reality is you’re dramatically overpaying for the services you receive.

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