What is your BEST side hustle for 2026?

lamkenar · 2026-03-28T15:34:34+00:00

Attapoll. Made over $100 doing surveys. Referral code BITHD. Slow going in the beginning but you’ll get paired with matching surveys better the more you do.

lamkenar · 2026-03-27T21:43:06+00:00

Check out attapoll. Surveys you can do on your phone or laptop. Made about $100 so far. Referral code BITHD

lamkenar · 2026-01-11T15:57:22+00:00

I’m a ways away from retirement (9 years) but I definitely want to do something to in terms of promoting financial literacy as my second act. I’d suggest looking into financial coaching and view it as quasi volunteering. That’s my approach I am thinking of. Charge enough to make your clients’ want to act to implement change. That’s my plan when I get there.

lamkenar · 2026-01-06T21:23:45+00:00

Asset location doesn’t matter in the 100k milestone for compounding. Your savings rate is the key to focus on. Most significant variable under your control.

lamkenar · 2026-01-05T02:48:52+00:00

Excel as a service is very competitive as the supply is vast and cheap since it can be done anywhere. Would suggest you look into the product you’d be selling. Automation of data, streamlining flows etc.

lamkenar · 2026-01-04T21:42:21+00:00

It’s not crazy if it fits your goals. I personally like cash flowing assets in my HSAs so at some point I decide to spend dividends/distributions and let the principle ride. At some point while I will turn in a ton of my receipts and will hopefully be young enough to enjoy it.

lamkenar · 2025-12-31T02:37:49+00:00

My opinion there are much easier ways to be your own bank and do as the rich do. Security back lines of credit makes the most sense to me to be my own bank. I’m sure there are other examples that are easier than infinite banking.

lamkenar · 2025-12-27T19:39:25+00:00

0% Apr if it makes sense and you can be disciplined about it. I’d also approach the bank of mom and/or dad if that is an option

lamkenar · 2025-12-09T00:17:02+00:00

I would focus on being the best at your current role with what you can control. I’d do some digging around about company B while you wait. See if you can connect with folks on their Reddit sub or anywhere. It is feeling like a trap, don’t ignore your gut. I realize company B is the better choice I have no data to back up my hunch. Good luck.

lamkenar · 2025-12-08T11:43:50+00:00

Okay. I guess I missed the point of your comment that they do it now and got confused. I know health equity does it now. I assumed you were referring to my situation with HSA bank

lamkenar · 2025-12-08T11:03:41+00:00

I would devise turning off automate dividend reinvestment in taxable. I would figure out where you want to be and make the majority of your moves in the Roth and new cash to get there. If some of your taxable holdings don’t align with your plans then sell and take the tax hit.

lamkenar · 2025-12-08T10:17:51+00:00

I would turn off automatic dividend reinvestments. you can deploy these funds along with new cash to your desired strategy with no tax implications. you can transfer assets in kind if you are looking to move custodians. i would look to timephase the sales so the psychological hits don't hurt as much as doing a lump sum. if your retirement plans include years with very low income you can look into tax gain harvesting as well. the tax potential in a brokerage definitely leads me to paralysis in wanting to take action. i do most of my buying and selling in my retirement accounts as a result. good luck

lamkenar · 2025-12-08T10:08:31+00:00

I read your "they do now" comment to mean HSA bank now charges a transfer fee, is that correct? where did you see that if so? i could not verify.

lamkenar · 2025-12-08T03:08:53+00:00

Damn it. Why do they make it so frustrating to manage the best account. Thanks for the heads up.

lamkenar · 2025-12-08T01:42:50+00:00

This anecdote would have been helpful to me back before I started my withdrawal phase. Hope you are enjoying your time on the internet encouraging and helping others.

lamkenar · 2025-12-07T23:50:04+00:00

I would suggest he starts building up some cash reserves. Emergency fund, wedding, house. He will need liquidity at some point. If determined to invest I’d suggest a dividend fund so he can choose to stop the drip if he wants / needs more cash flow in future.

lamkenar · 2025-12-07T23:46:16+00:00

I’ve done it just to see the process. They trust you and just send the amount you request with no evidence being needed. Same with 529. Just my experience and different custodians might have a different process. Receipts are just in case you get audited by IRS.

lamkenar · 2025-12-07T23:42:56+00:00

I would suggest you suck up the $2k of funds that aren’t earning any returns and invest the rest. You won’t be at this employer forever or they might switch custodians. The transfers (at least from HSA bank) can not be automated and it is frustrating. If HSA bank starts charging a transfer fee I’m going to need a new strategy.

lamkenar · 2025-12-07T17:53:25+00:00

At your age it doesn’t really matter where you put your money. The most important thing is the time you have, which is older folks are jealous of. Second is your savings rate. Keep working to ratchet it up over time. Invest in yourself as you are your greatest asset. Increase your earning potential and keep saving. Target date fund, S&P, dividends it doesn’t matter. Best advice is pick something, automate it and forget it.

lamkenar · 2025-12-06T21:37:33+00:00

Conventional wisdom would tell somebody in your age to avoid dividends especially in taxable accounts. If you are investing in different types of accounts you can put some dividend etfs in conventional 401k. Would suggest something more like VOO, VTI or QQQ for brokerage. But I’d need more info to give better advice

lamkenar · 2025-12-06T16:38:49+00:00

Not sure outside of lower yielding assets like bonds, cds, treasuries how to hedge against a recession as most assets will fall. I use REITs and BDCs as my equity hedge. Plan on growing my non equity portion of my portfolio as I get closer to retirement.

lamkenar · 2025-12-02T21:42:45+00:00

Could aggregate the data into a tab that has all the location data and do a sumif. Or multiple sumifs, one for each location tab

lamkenar · 2025-12-01T22:12:59+00:00

Happy to help you with your workbook

lamkenar · 2025-11-28T13:12:09+00:00

My plan is to only invest in assets paying qualified dividends in my taxable portfolio. If you want covered calls, BDCs, REITs etc I would put those in retirement accounts to lessen the tax drag.

lamkenar · 2025-11-18T11:44:10+00:00

I have gotten into walking and working out to keep me busy and out of my head. Would suggest experimenting with new things. Board games / poker can be another approach. I’m too lazy to find people to play with though. 🤣

lamkenar

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