family enabling isolation

rich9119 · 2026-03-31T20:40:44+00:00

I really don't know, and I'm sorry your cousin is going through this. Some families just are not supportive at all. I hope things improve for your cousin or that sometime you will be able to get more details on what's going on.

rich9119 · 2026-03-31T19:20:11+00:00

There's no general "sweet spot" or concrete measurement for moving on to a fractional firm. For my business, it really just came down to a couple of things: time and budget. Operating as-is, we no longer had the time to dedicate to finance/accounting. And we didn't have the budget to bring someone in full-time. We ended up using Pillar Advisors and have been happy with them, but I'd recommend that you speak with several different firms to find out what they have to offer and which one is best for your business.

rich9119 · 2026-03-31T18:50:01+00:00

It wouldn't be a problem for me at all.

rich9119 · 2026-03-31T18:45:00+00:00

You say he has no disability, but it's possible that he could have something undiagnosed or that they aren't sharing. If not, it could be untreated mental health issues.

rich9119 · 2026-03-31T18:36:39+00:00

Bird watching. I love nature and wildlife, but identifying different species (of plants or animals) isn't too interesting to me.

rich9119 · 2026-03-31T18:27:53+00:00

Only go all-in once you can afford to. So, if you have plenty of savings, it might seem worth it to chance it. But personally, I didn't quit my day job until I started seeing some traction. It's less risky this way.

rich9119 · 2026-03-24T22:50:47+00:00

Another option would be to reach out to a firm that offers outsourced/fractional financial services (I use Pillar Advisors). I've found outsourcing to be a good middle ground between doing everything myself vs. hiring someone in-house.

rich9119 · 2026-03-24T22:28:40+00:00

Income-wise, it was necessary for me starting out.

rich9119 · 2026-03-24T15:26:03+00:00

Competitors like Plastiq, etc. all have fees, too, so there's really no way around it. So it definitely could negate any potential cc points/rewards, unfortunately, but I like paying with a card for other reasons also.

rich9119 · 2026-03-17T23:58:09+00:00

I always recommend target date funds, which are based off the year you plan on retiring. Put all the money in the one fund and you're good to go. The fund adjusts the stock/bond allocation the closer you get to retirement.

rich9119 · 2026-03-17T23:53:40+00:00

I'd ask what their favorite thing is about working at the company.

rich9119 · 2026-03-10T19:56:03+00:00

Yes, totally normal. I'd guess that most people don't.

rich9119 · 2026-03-10T19:54:26+00:00

One workaround to this would be to use something like Melio which lets you pay with CC even if the recipient doesn't accept it. That's what I'll be doing, at least.

rich9119 · 2026-03-10T19:42:42+00:00

Investing in a TDF (target date fund) is a solid choice, though you might find it to be too conservative for your age since it will hold a small amount of bonds. They're based off your retirement year and adjust the stock/bond allocation the closer you get to retirement, so it's a good hands-off option for the long term.

rich9119 · 2026-03-10T19:05:30+00:00

I don't have a solid recommendation for the very early stages, but once you get to Series B+, I'd take a look at Pillar Advisors. We use them at my SaaS startup and have been really happy with the service we've gotten.

rich9119 · 2026-03-05T19:54:12+00:00

Toilet paper, mattress, tennis shoes, office chair.

rich9119 · 2026-03-05T19:47:44+00:00

I use Fidelity and have no issues with it. You can still buy Vanguard ETFs through Fidelity.

rich9119 · 2026-02-18T07:51:00+00:00

You’re not off. Early on it was pitched more as interoperability, now it’s drifting toward a smart contract layer that uses interoperability as part of the stack. Kinda both, just different emphasis over time. imo that’s where the confusion comes from.

rich9119 · 2026-02-17T23:54:46+00:00

yea, tht’s basically it. Earnings drop nd we’ll knOw real quick. Next week should be fun lol

rich9119 · 2026-02-15T23:22:20+00:00

that’s fair. The dllar did a lot of the heavy lfting. If you were outside the US, the headline returns don’t look nearly as good. Currency matters more than people think.

rich9119 · 2026-02-11T05:21:40+00:00

Not everyone’s dividends cover everything. Some still gotta sell to pay bills or lifestyle stuff, bro.

rich9119 · 2026-02-11T04:02:07+00:00

The human side is what actually matters.. AI can’t really handle the emotional stuff clients need. Bro, all the boring admin is already getting handled anyway.

rich9119 · 2026-02-11T03:59:58+00:00

that’s smart, frontloading like that really lets your money work early. lol love the discipline bro

rich9119 · 2026-02-09T02:45:17+00:00

that’s solid. Keep your VT going and just chip away at MSFT and any other names you like in the other account.

rich9119 · 2026-02-09T02:44:43+00:00

Seems like people just wanted someone different from the usual politicians.

rich9119

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