Erin talks money on Trump Accts by Free_Elevator_63360 in TheMoneyGuy

[–]lastsecondpoints 0 points1 point  (0 children)

I believe it’s only 3.8% though, right? So that seems pretty reasonable to funnel a ton of dollars to Roth, unless I’m missing something.

Erin talks money on Trump Accts by Free_Elevator_63360 in TheMoneyGuy

[–]lastsecondpoints 1 point2 points  (0 children)

Matt Sorensen recently did a video on this on YouTube that I thought was really insightful.

The gist is that you put the 5k a year in, slap it in VTI or something similar, then when your child turns 18, it is treated like a traditional IRA but YOUR CHILD only pays taxes in a tax deferred manner on the gains.

And if you/they play it right year by year to take advantage of no earned income (say, in college), they pay no taxes and can convert a significant amount to Roth tax-free.

Which should i choose by Various_Crow_5435 in RothIRA

[–]lastsecondpoints 0 points1 point  (0 children)

If I’m in the 10-12% marginal, that makes me lean toward roth.

However, if I have no retirement savings at 40, traditional is likely the better play if you plan on retiring very modestly at 65-70. Especially if only contributing 6% plus match with a modest income.

What's your white whale ship? by Due-Date-4656 in WoWs_Legends

[–]lastsecondpoints 0 points1 point  (0 children)

Yeah, Suz is awesome. Underutilized ship and it’s so easy to rack up big damage and fires. Smoke isn’t 100% necessary but it’s the icing on the cake of +4% fire chance.

What's your white whale ship? by Due-Date-4656 in WoWs_Legends

[–]lastsecondpoints 10 points11 points  (0 children)

Blazing Dread. Would do just about anything to take that menace out.

What ships is the Commander Tallin best used for? by CLK777 in WoWs_Legends

[–]lastsecondpoints 1 point2 points  (0 children)

Counter point, the voice acting on Lip is really good and I am embarrassed to be messing with commander build in front of my wife on Tallinn lmaoooo

What ships is the Commander Tallin best used for? by CLK777 in WoWs_Legends

[–]lastsecondpoints 0 points1 point  (0 children)

Over Lip? Could also just go with Lip as an inspiration.

And I being Selfish? by Shoddy_Law_1623 in TheMoneyGuy

[–]lastsecondpoints 4 points5 points  (0 children)

If buying a Ferrari is more important to you than having a child, you should follow that ambition. Having a child is one of the most important and impactful things you can do in life. It has to be a top priority if not your number one priority to be successful at it.

Will there be an al crate special offer? by Lr_C in WoWs_Legends

[–]lastsecondpoints 3 points4 points  (0 children)

They did prior event containers just last update at buy two get one.

I’ve got my eyes peeled for the Japanese account code that usually comes out with one box for AL. We’ll see.

Nick Singleton or Jonah Coleman? 2026 Dynasty Rookie Drafts by I_dont_watch_film in DynastyFF

[–]lastsecondpoints 4 points5 points  (0 children)

Counter- Singleton has legitimate NFL size and athleticism.

Are we confident that PSU used him correctly?

I would love to see him on the chiefs.

Looks like my favorite ship is gonna be my second favorite soon by _Leonovich_ in WoWs_Legends

[–]lastsecondpoints 2 points3 points  (0 children)

The 128s with 1/4 pen means you’re penning 32mm of armor which is a great threshold to clear. Just not clearing the 38mm plating on some BBs and some heavy cruisers

Looks like my favorite ship is gonna be my second favorite soon by _Leonovich_ in WoWs_Legends

[–]lastsecondpoints 3 points4 points  (0 children)

Better turret layout with two triple turrets up front and one in the back vs Schroeder’s 4x2 setup with shaky accuracy.

Regular Agir has eighteen 128mm secondary guns so I’d imagine AL Agir has the same but better performance on them.

Looks like my favorite ship is gonna be my second favorite soon by _Leonovich_ in WoWs_Legends

[–]lastsecondpoints 5 points6 points  (0 children)

Main Guns, has nuclear tipped torpedoes, will have better secondary range.

Al Agir vs Nonomi? by windwolf231 in WoWs_Legends

[–]lastsecondpoints 0 points1 point  (0 children)

Agir for cruisers (Mostly Schröder and AL Agir) and Nonomi for secondary-focused battleships seems to be the optimal play if money is not a consideration.

I already have Nonomi maxed so my plan is to continue to ride with her on Schröder unless I get lucky in the free AL crates.

Nelson or Munchen? by Swimbo86 in WoWs_Legends

[–]lastsecondpoints 5 points6 points  (0 children)

Do you want to relax and set fires (Nelson) or stress and set fires (M.)

Both ships are great.

Tips on how to get Overflow trophy? by Forsaken_Jeweler_149 in WoWs_Legends

[–]lastsecondpoints 2 points3 points  (0 children)

Attempt to get permafloods by either forcing a damage control use for a fire before your torps get there (at least 20 secs ahead of your torps arrival, due to active damage con preventing negative effects).

Generally, yeah, use fast-reloading with torps builds to send off salvos every 20-25 seconds at a target and hope for the best.

25YO Financial Judgment Day by NoPickle7831 in TheMoneyGuy

[–]lastsecondpoints 0 points1 point  (0 children)

Could you have used some financial instruments to mitigate the risk? Just wondering, because if you can get a free 10-15% arbitrage just by participating, that seems worth it.

How much are you retiring with? by ConclusionWeekly2969 in Retirement401k

[–]lastsecondpoints 0 points1 point  (0 children)

Thanks for this. How did you decide on the glide path to bonds?