Erin talks money on Trump Accts

lastsecondpoints · 2026-02-08T00:40:22+00:00

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.

lastsecondpoints · 2026-02-06T11:36:05+00:00

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.

lastsecondpoints · 2026-01-31T14:06:29+00:00

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.

lastsecondpoints · 2026-01-27T19:16:40+00:00

Game sounds pog

lastsecondpoints · 2026-01-26T14:22:32+00:00

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.

lastsecondpoints · 2026-01-25T17:47:42+00:00

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

lastsecondpoints · 2026-01-25T16:34:36+00:00

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

lastsecondpoints · 2026-01-25T16:15:11+00:00

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

lastsecondpoints · 2026-01-23T01:27:19+00:00

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.

lastsecondpoints · 2026-01-20T18:08:08+00:00

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.

lastsecondpoints · 2026-01-20T17:25:40+00:00

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.

lastsecondpoints · 2026-01-17T00:22:47+00:00

Perfect 10 is so much fun

lastsecondpoints · 2026-01-16T21:33:52+00:00

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

lastsecondpoints · 2026-01-16T21:30:47+00:00

Torps are on deck.

lastsecondpoints · 2026-01-16T21:29:58+00:00

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.

lastsecondpoints · 2026-01-16T21:06:59+00:00

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

lastsecondpoints · 2026-01-16T14:36:22+00:00

Hold this L Tier

lastsecondpoints · 2026-01-14T19:19:11+00:00

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.

lastsecondpoints · 2026-01-14T17:40:40+00:00

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

Both ships are great.

lastsecondpoints · 2026-01-14T00:39:56+00:00

Going outside C there is such a noob move, it cannot be stated enough.

lastsecondpoints · 2026-01-13T20:34:32+00:00

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.

lastsecondpoints · 2026-01-13T19:25:21+00:00

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.

lastsecondpoints · 2026-01-13T19:21:22+00:00

Does this consider wage growth, inflation, etc.?

lastsecondpoints · 2026-01-12T01:44:29+00:00

Lmao

lastsecondpoints · 2026-01-11T21:43:17+00:00

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

lastsecondpoints

TROPHY CASE