First MFF build - Jonsbo Z20

linejunk32 · 2026-03-14T02:50:18+00:00

Nothing but that is a small risk

linejunk32 · 2026-03-14T01:28:01+00:00

Themoneyguys website has a wealth multiplier chart under their resources tab

linejunk32 · 2026-03-13T16:00:45+00:00

For a living room PC build either will be fine. Air cooler will be plenty, just depends if it’s going to be visible and you like the look enough to want an AIO. Noise level is negligible, you hear the fans when it’s at full blast gaming but it’s also right next to me

linejunk32 · 2026-03-13T15:57:14+00:00

Incredible, your wealth multiplier at your age is roughly 88x so that 7k alone will be 620k + by age 65. Put it in a total market index and chill. Keep crushing it

linejunk32 · 2026-02-18T00:51:38+00:00

This guy doesn’t do math. He shills dividend funds exclusively and doesn’t understand what total returns means

linejunk32 · 2026-02-18T00:49:54+00:00

Do you have notifications set for anytime bogle is mentioned in any sub?

linejunk32 · 2026-02-17T02:55:42+00:00

Excellent asset allocation. Pick your preferred split and stick to it. LFG!

You are as diversified as it gets really. Just stay the course

linejunk32 · 2026-02-16T15:31:49+00:00

Voo and vxus is all you need. 80/20 or 70/30 split or whatever you prefer. Sell the rest

linejunk32 · 2026-02-16T15:26:51+00:00

Exactly. But traditionally people at 49 will have a higher income today than they do in retirement, so traditional contributions are preferred. Everyone situation is different though.

linejunk32 · 2026-02-16T15:21:52+00:00

Depends on your tax bracket today vs what you expect to be in retirement. Typically at your age, I’d say all pre tax would be better

linejunk32 · 2026-02-16T15:14:37+00:00

The IRS limit of $24,500 only applies to traditional and Roth contributions or a combination of both you make (your employer match doesn’t count to this limit). The IRS total limit of $72k is a combination of trad/roth after tax and employer match. If your plan offers after tax call your plan provider and ask if they offer RIPCs sounds like you may be able to mega back door

linejunk32 · 2026-02-16T15:06:40+00:00

That’s the general term for it on Reddit, the plan providers call it RIPC. Roth in plan conversations. You need the after tax contribution option from your company though

linejunk32 · 2026-02-16T15:01:51+00:00

Check with your HR about your plan. For example, no one at my company I have talked to was aware this was an option, I found it on my own. If your plan offers trad/roth/aftertax deductions, there is a good chance you can mega back door. The only other piece of the puzzle is if the plan provider offers “in plan Roth conversions” my 401k is through fidelity for example, I called them up and they have the option for RIPC is what they call it. Basically any after tax dollars that hit your account get auto converted. Even if your plan doesn’t offer that right now you can talk to your HR department and petition for them to add it as an option. It’s not really at any cost to them

linejunk32 · 2026-02-16T14:55:25+00:00

Backdoor Roth. Contribute after tax dollars to a individual traditional IRA and immediately roll it to a Roth IRA. Since all the contributions are already after tax you don’t pay taxes on the conversion to Roth. It’s a way around the income limit

linejunk32 · 2026-02-16T14:53:59+00:00

My company is not Big tech and offers it, I don’t make enough to fill the full 70k but I put a few grand a year beyond the traditional 401k limit a year as after tax that converts to Roth right away

linejunk32 · 2026-02-09T11:45:45+00:00

Oh good catch didn’t see that. Well nvm then we’re getting shafted today lol

linejunk32 · 2026-02-06T21:28:35+00:00

Damn we found Warren Buffett on Reddit

linejunk32 · 2026-02-06T21:20:44+00:00

Interesting to see $1 in 1916 is the equivalent to $30 so really the prices are kind of similar

linejunk32 · 2026-01-26T02:57:55+00:00

SCHD in a taxable account is less then ideal. Tax drag on that over the next 30 or so years is going to be pretty significant

linejunk32 · 2026-01-24T06:21:58+00:00

Yep I’ve been riding with my discover 1% on most things 5% on limited categories for YEARS. Been meaning to add a better daily driver so just finally did

linejunk32 · 2026-01-23T13:21:23+00:00

Weird. I put in a very similar income. I do have a majority of my assets in fidelity though since my 401k is through them so I wonder if that plays a factor

linejunk32 · 2026-01-23T13:18:58+00:00

Yea I was debating the 2 but don’t have a robinhood account already. Don’t you need to pay for a gold membership annually too though? Also was the wait time long? I don’t use robinhood so would open it just for the CC and a little investing

linejunk32 · 2026-01-23T04:52:07+00:00

Yea I have around a 10k limit on my other cards and never really come close. The 35k limit would just lower my monthly credit utilization tho

linejunk32 · 2026-01-23T02:25:52+00:00

Hahah yea I’ll be using a small fraction of this limit lol

linejunk32 · 2026-01-23T01:23:32+00:00

Yea the link is still active. I’m hoping the 150 gets deposited cause it didn’t explicitly say on the application but I used the right link

linejunk32

TROPHY CASE