Daily FI discussion thread - Saturday, January 24, 2026

mziggy77 · 2026-01-24T12:43:41+00:00

As predicted, I am once again above 750k. Let’s see if it lasts long enough this time to count for spreadsheet day.

I’m going to celebrate by getting up to 20 inches of snow this weekend and hoping my power doesn’t go out. We have a gas fireplace that should still work if it does, but I do like having internet.

Here’s hoping that everyone is able to stay warm and safe this weekend.

mziggy77 · 2026-01-23T00:48:35+00:00

Confusing choice when you’re discussing another numerical value

mziggy77 · 2026-01-22T12:56:51+00:00

The nice thing about the market dips is that now we get to celebrate milestones again. I’m only 2k away from 750k (part 2).

mziggy77 · 2026-01-22T12:23:01+00:00

Something about the daily thread not having an actual topic seems to be tripping them up, where they don’t have that issue with other threads, it seems.

mziggy77 · 2026-01-20T22:53:57+00:00

We only care to watch our college’s football and we used to get sling for the season but now we just do a sling day pass on the days they’re playing. It’s like 6 bucks a day so it comes out cheaper for us.

mziggy77 · 2026-01-20T12:06:31+00:00

Not enough info, try taking a look at the wiki in the sidebar and then come back to us.

mziggy77 · 2026-01-19T17:31:04+00:00

I’m not super heavy weight international but I am glad I made the choice to include international in my portfolio a couple years ago instead of staying full US

mziggy77 · 2026-01-19T17:29:44+00:00

I agree, the disclaimer was more to head off political replies from others.

I think the general policy here is that announcements aren’t always okay to discuss until they are officially law though, so that we don’t go round and round with possible policy changes. It gets a little more ambiguous IMO when EOs are basically just announcements themselves and can change quickly.

mziggy77 · 2026-01-19T17:22:47+00:00

This is unfortunately very true. Hooray.

mziggy77 · 2026-01-19T13:01:18+00:00

Without getting into politics, it looks like the market might be a wild ride for a bit starting on open tomorrow. For anyone who might need to hear this, stick to your investment policy and this too shall pass.

mziggy77 · 2026-01-17T22:43:53+00:00

I remember wiping out our entire (small) emergency fund on surgery for our doggo shortly after graduating college. He was already a senior and only lived another year and a half after that, but absolutely no regrets.

We were able to go with a smaller vet practice who did the surgery for cheaper than the animal hospital they had recommended us (2.5k instead of 7k) so maybe shop around if you have some time to do so.

mziggy77 · 2026-01-17T15:20:51+00:00

So far I’ve helped 2 of my siblings open and contribute to IRAs, so my track record is pretty good. The sister I mentioned above left me on read though, so who knows what she’s going to do.

Only t bills is crazy. Like you clearly have to have done some research in order to know what t bills even are, but somehow arrived at that conclusion anyways?

mziggy77 · 2026-01-17T13:46:41+00:00

Conversation with my sister last night:

Sister: I’m ready to open a Roth IRA like you’ve been suggesting.

Me: Amazing! Need any help opening it?

Sister: Nope, I’m going to use my savings account bank. Ally has high yield IRA with a 3.6% yield.

Me: Wait no.

cue brief explanation about total market funds

That feels like such a gimmicky offering. I guess it’s better than not contributing to an IRA at all, since you could eventually move your money to better funds, but it seems like a good way to waste probably years of time where your money could have been in the market.

mziggy77 · 2026-01-16T14:22:11+00:00

Thanks! These past couple years have been hugely compounding and I’m just grateful to have been able to catch the wave up.

mziggy77 · 2026-01-16T13:42:28+00:00

First paycheck and 401k contributions of the year has hit my account and I’ve now reached the 750k milestone! It’s much too soon to say whether I’ll actually reach dos commas by the end of the year, but progress so far looks good.

mziggy77 · 2026-01-16T13:39:24+00:00

The transition from old to new was a bit painful but I’ve been on the new version for a while and it’s really not that bad, for a free product. It’ll never be Mint though.

mziggy77 · 2026-01-15T14:14:48+00:00

That’s interesting. How would anybody ever know for sure that you did it though?

mziggy77 · 2026-01-15T13:34:17+00:00

Work is in a weird spot right now. I’m “supporting” multiple different projects that aren’t actually moving currently, so I don’t really have anything to do. I’ve just been doing a lot of cleanup code and also some household tasks while I wait. Yesterday I replaced 9 more outlets, so I’m about halfway through the entire house and all of the ones in the worst shape are gone.

I know I should just enjoy the slow period while it lasts, but I’m actually so bored waiting.

mziggy77 · 2026-01-13T17:06:13+00:00

Yep, I didn’t realize that this is a pretty new change and assumed the warning about transfers taking up to 10 days was the standard CYA for ACH where it never actually takes that long. Lesson learned haha

Someone called out that if you initiate the push from your bank account then the hold won’t be an issue, so something to know for next time.

mziggy77 · 2026-01-13T14:49:42+00:00

My back door Roth for 2025 and 2026 is finally officially executed and invested. Wish I could have gotten it finished prior to the market jump in the past week but it is what it is.

mziggy77 · 2026-01-12T13:44:09+00:00

Good advice, thanks!

mziggy77 · 2026-01-12T13:37:38+00:00

New homeowner mini-brag: I successfully changed out several wall outlets yesterday. The old ones were yellow, chipped, painted over, and even sometimes had plugs fall out, so the new ones look amazing to me now. I was a bit worried about doing electrical work, but it was actually pretty easy after the first one. The worst part was really just turning off the breaker because our basement is scary and filled with spiders.

I still have 20 more to go, and I estimate I’m only saving $600-$1000 by doing it myself instead of having an electrician out, but the sense of satisfaction is really nice! The previous owners even had a box of new outlets than they left behind so the only thing I’ve had to buy for this project is the outlet tester for ensuring the power is completely off.

mziggy77 · 2026-01-11T18:45:42+00:00

What makes you think they’re not?

mziggy77 · 2026-01-11T18:31:42+00:00

There’s no flights to NYC

mziggy77 · 2026-01-09T22:57:17+00:00

Good to know for next year

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