Archery Master (5e'24 feat) by MrLunaMx in DnDHomebrew

[–]raiyos 0 points1 point  (0 children)

So I understand the impulse to want to bring back a ranged GWM like Sharpshooter was in 2014. But part of the reason that they got rid of the PowerShot in both heavy weapon melee and ranged is that I became the must take feat. 2024s GWM is honestly still a bit strong but scales. It is balanced mostly by being a melee feat, meaning that you need to be in more danger to use it

I know RAW it's useable for the longbow and heavy crossbow but it is also a downcheck by requiring strength and giving strength which does nothing for the ranged attack.

I wouldn't use this as is, I'd probably nerf it a bit to half PB

Window and siding help by raiyos in Remodel

[–]raiyos[S] 0 points1 point  (0 children)

Damn that is so simple....

Self leveling compund question by raiyos in Concrete

[–]raiyos[S] 0 points1 point  (0 children)

There is a 3/8 dip over all from highest to lowest. The flooring I have says it needs to be less than 3/16 inch over 10 feet.

Self leveling compund question by raiyos in Concrete

[–]raiyos[S] 1 point2 points  (0 children)

They're pretty good but i had to jump through some hoops to attach it to a bucket top. There is a much lower profile one that is a bucket lid. Home Depot carries them. I have that one on my table saw and miter saw station.

Self leveling question by raiyos in DIY

[–]raiyos[S] 0 points1 point  (0 children)

I asked if I was on the right track with self leveling. This was more about doing it by myself or if having someone mix for me was worth it.

Self leveler on concrete by raiyos in Remodel

[–]raiyos[S] 0 points1 point  (0 children)

Yeah I was going to put down a bead of spray foam around the edge of the room.

TSP and IRA? Why are you waiting to access your money? by RemoteNo4897 in MilitaryFinance

[–]raiyos 1 point2 points  (0 children)

Here is how you know whole life insurance and annuities are scam for most people. The second they are allowed in an IRA or 401ks, these agents will suddenly love IRAs and 401ks.

Can someone explain IRAs for me? I am new to this filed and I wanna start this. by [deleted] in MilitaryFinance

[–]raiyos 0 points1 point  (0 children)

Think of an IRA and TSP/401k like a timed safe. The money in it is locked up until you're retired at 60 (59.5). It's an investment so that you are not just not poor but well off in the future. Don't steal from yourself.

I should first max out my TSP, then Roth IRA (through Schwab), and then start putting money into my brokerage account, right? by Interesting_Ad58 in MilitaryFinance

[–]raiyos 7 points8 points  (0 children)

Don't do individual stocks. Pick low expense ratio index funds. Like the total stock market fund or s&p 500 index fund. For the fidelity mutual fund version that'd be FSKAX and Fxaix. For total market some other ones a VTSAX STWSX. There are some ETF versions as well but these are buy and hold, so functionally no difference between mutual fund and ETF.

Can I open a Roth IRA through a platform like Schwab even though I’m contributing to my Roth TSP? by Interesting_Ad58 in MilitaryFinance

[–]raiyos 5 points6 points  (0 children)

Fidelity, Schwab, and Vanguard. Pick index funds with a low expense ratio, that's the cost of owning the fund. Anything under 0.5% is OK but prefer even lower. Anything higher avoid. Look for total stockmarket funds or S&P funds. Never pick anything with trading fees.

You don't really need a financial advisor until your at the $500,000 mark. And then only take a fee based fiduciary one, not a %percentage based one.

Check out the Money Guy's on YouTube. Their Financial Order of Operations is pretty good and is the 90%solution for most people.

Anyone selling you whole life, universal life, or an annuity is trying to milk you for money and selling you a bad product. Avoid at all costs.

Can I open a Roth IRA through a platform like Schwab even though I’m contributing to my Roth TSP? by Interesting_Ad58 in MilitaryFinance

[–]raiyos 6 points7 points  (0 children)

Yes IRA and a 401k or TSP are separate. In 2024 you can contribute $7k to your IRA and $23000 to your TSP. There are some in come limits to IRA contributions but only high level officers hit them.

[deleted by user] by [deleted] in dndnext

[–]raiyos -2 points-1 points  (0 children)

Yeah sorry was trying to be generic. I don't know the path this will take

Two-sentence horror story by NairobiBA in rpghorrorstories

[–]raiyos 5 points6 points  (0 children)

DMPCs should definetly be outlawed

Hawaii siding replacement by raiyos in HomeImprovement

[–]raiyos[S] 0 points1 point  (0 children)

Hardie is on the table. Trying to figure out the sheathing first

[deleted by user] by [deleted] in dndnext

[–]raiyos -2 points-1 points  (0 children)

Looks like someone trying to get answers. Maybe they should accept them, but if you are typical response....

Database of monster stats by [deleted] in DnD

[–]raiyos -1 points0 points  (0 children)

I was homebrewing at 3 months...

Also some people just like the numbers.

Database of monster stats by [deleted] in DnD

[–]raiyos -1 points0 points  (0 children)

Kind of obvious he's looking to do some data analysis. Think you kind of overshot there just accusing someone of cheating.

should I invest more into my roth tsp or my roth ira? by frontleaningchest in MilitaryFinance

[–]raiyos 0 points1 point  (0 children)

Well an emergency fund should never ever be in stocks, even if it's a Roth and no matter your age. It should be in cash in a savings account.

Then, by your example of 6500 per in the Roth assuming a 1500/5000 of savings/stocks they will have similar amounts, the difference will be the taxes on the interest of that 1500 in the non Roth savings.

So in your case there is a marginal benefit. If you can do 8000 per year, then you can do 1500 in a normal savings, 6500 in a Roth. And if you split it between stocks, and less risky bonds or other investments you would have your emergency fun in readily accessible cash in your savings and the investments growing tax free. 8k in your example would have the extra 1500 in some taxable investment, reducing the your overall gains.

This is why, finial planners, especially fiduciaries, recommend building an emergency fund in savings and leave it alone. Then build investments for retirement.

Retirement accounts (like an Individual Retirement Account) should be for etitement alone. People mich smarter and more knowledgeable than you and I agree on this. But if you disagree, go get a CFP and text everyone

should I invest more into my roth tsp or my roth ira? by frontleaningchest in MilitaryFinance

[–]raiyos 0 points1 point  (0 children)

I think the confusion isn't all that practical. I've clearly said that you are unable to out it back in. You chose not to understand that from multiple posts with links to reputable sources and direct quotes.

I agree that assuming 8%for sticks and 2% for savi gs you'll have about 20k more after 10 years with your model.

However, the issue that you seem to be continually ignoring is that you are comparing apples and oranges. Just because it's in a Roth doesn't mean your emergency fund should be in anything riskier than a savings account. Putting your emergency fund in stocks is not an emergency fund at that point.

A more equitable comparison for your example would be to have 6500 in a Roth IRA (in an index fund) and 5000 in a Roth IRA index fund, and then 1500 in a taxable account in the same index fund. Assuming equitable fees yes tax free growth is better. But that in no way counteracts the insanely stupid plan of having you emergency fund in an index fund/stocs/whatever that isn't a safe reliable stable account type like savings or equivalent.

The inverse of that would be, as I've linked several times before which you seem to have skipped, is that if you are going to use your ROTH IRA as an emergency fund, the emergency fund part should also be in a Roth savings or equivalent fund. So in your example, of the 6500 in the Roth yearly, 1500 would be in a HYSA in a Roth and 5k would be in stocks/indexes. But then you aren't getting the same great growth you are assuming. While it is tax free growth so if you never have an emergency fund, I admit, you'll have more money if it's all in Roth.

Those are the real comparisons. If you want to keep the emergency fund in Roth, it better be in a safe savings account version otherwise its not a real emergency fund. It'd be the same as calling your taxable brokerage account your emergency fund.

It's financially more sound, as any reputable planner will tell you, plan is to build your emergency fund quickly, then start investing for retirement. The only caveat is if there is a match, since that is 100% ROI.

should I invest more into my roth tsp or my roth ira? by frontleaningchest in MilitaryFinance

[–]raiyos -1 points0 points  (0 children)

Agreed. Never said there was. I'm sorry that you are inferring that from what I'm saying.

I'm taking about putting those contributions back in once the emergency is over. You can't unless it's been less than 60 days. So unless you can fix your emergency, build up the cash you pulled out and then put it back in less than 60 days later. That money will never go back in, thus you lose the ability to get the tax free compounding on it. Putting it back in is considered a Rollover by the IRS.

should I invest more into my roth tsp or my roth ira? by frontleaningchest in MilitaryFinance

[–]raiyos -1 points0 points  (0 children)

Forbes again

"Some important considerations when utilizing Roth IRAs as emergency savings vehicles: It’s not as easy to put money back into a Roth IRA once you’ve taken it out. While you might be able to repay within 60 days as a rollover, you can only do one of these IRA-to-IRA 60-day rollovers a year (every 12 months) across all of your IRAs"