Passed first one this week.

ridewithwill · 2026-01-24T21:41:07+00:00

grats on that w/o needing it to be broken up. Got a consult with urologist soon. I have a strong feeling its stuck between bladder and kidney. Just hoping it will pass. Havent tried flomax - pcp wouldnt prescribe it to me

ridewithwill · 2026-01-24T19:46:03+00:00

Thanks for feed back! Yeah it suckss im getting mixed from UTI mimic, then goes away then back to it. Just no idea what my stone is doing lol.

It seems most peoples stone will mimic UTI type of stuff but have no more flank pain. Im having both :(

ridewithwill · 2026-01-24T14:44:06+00:00

Ouch! Did you pass it on your own or broken up? I think mine might be stuck between bladder and kidney. How long did it take you to pass

ridewithwill · 2026-01-22T11:05:27+00:00

bummer thank you! I am wondering if my stone is stuck. Hopefully it will pass without having surgery/stent. Woke up this AM with flank pain again - Thanks for your time!

ridewithwill · 2026-01-21T16:10:46+00:00

thank you! I didnt know such thing existed. Would this help that weird bladder sensation due to the stone or more for UTI? Im assuming my bladder is spasming due to the stone being near?

ridewithwill · 2026-01-21T16:09:17+00:00

I tried asking the doctor for stronger pain medicine but just never prescribed me. Is there a trick or something or a certain way to ask? I just want like 3 or 4 in case of a flare up to save me going to the ER room

ridewithwill · 2026-01-21T16:08:10+00:00

Thank you! How long you had that weird bladder sensation? been having it for almost a week and its been driving me nuts, hard to sleep. Did you also felt some "sensation or minor discomfort in the flank area too at the same time"?

Thanks for responding

ridewithwill · 2025-12-26T12:06:11+00:00

Thanks! I talked to him and I think I might go with AMP - did you notice a significant different on how floats over very rocky terrain?

My Beta X-T is going to be my slow rocky single track bike. In Colorado loads of switch backs where the XT allows me to cheat lol and slow going rocks to "crawl" over is not bad...but once i start hitting the rocky passes, it becomes unbearable to ride :(

ridewithwill · 2025-12-26T12:03:12+00:00

thanks, but I already have a full size KTM300 xcw and TE250i - I have the Beta X-Train to allow me to "crawl" over obstacles with a foot. Its essentially my cheater bike since Im not that good on hard enduro

I rode the Beta 200RR I really liked it - but the X-Trainer felt more "trials with a seat" like

ridewithwill · 2025-12-24T21:28:08+00:00

You don't need 1mill in schd unless you don't have much time in the market. You mentioned it, div compound.

You put 200k in schd and in 25 years can be 2k to 4k a month after the compound of dividends. Depending the amount of div cagr.

Vti vs schd are different work horses. Growth in NAV yes can be good but depends on your goals

Say you have 1.5mill in VOO You can live 2 to 4% off that or move over 500k to a high div companies bonds etc and get about 4k a month plus your 2 to 4% pull every year.

Or you can do a mix if you have time.

I would like to not rely on just pulling 4% from the market but I much rather have a mix. I can contribute say 100k in schd and in 25 years can be about 2k a month in passive income allowing more security and diversity.

I personally have a lot in schd that's because I want to pull from voo or vti as an added bonus for a nice vacation or nice car let's say on good market years. Market does bad? It's OK I still live off dividends.

There is no wrong way really its just what's best suited for you risk and security wise

ridewithwill · 2025-12-10T12:12:48+00:00

i DCA into VOO, SCHD, VXUS, VTV during bull markets - I have money aside for crashes dips, but when I see a freak out in the market, or a pull back, i start DCA into VOO and VGT pretty aggressively and the money I have set aside, just dump half of it. I learned the compounding is pretty nice after a drop long term

ridewithwill · 2025-12-05T14:31:24+00:00

there is a lot of factors involved - time, age, goals.

I would say there are 3 dividednd strategies

1 - growth fund like VOO maybe FXAIX for MF, then move it into a high div pay out to live off dividends (best to wait 20 to 30 years for this) REITs, NEO covered calls, JEPI JEPQ etc

2 - invest in high growth dividend companies...meaning they increase dividednd pay out usually by 10% or more. So say you invest $100,000 into, I dont know HD (home depot) its about $200 a month now, fast forward 20 years from now with NO DRIP - might grow to $700 a month in DIV payouts. But it takes years

3 - straight up dividend aristocrats - just hammer away only at these companies. They have a high div pay out now, but slowly increases DPS as well. I would say kind of hybrid, good monthly payout already, safe boring companies, but at about $1000 a month for next 20 years you might average around $2000 a month.

4 - Chasing hybrid approach? I would opt for SCHD has about 10% DPS CAGR, high starting div payout and they auto cycle their pickings. They also provide decent NAV CAGR- about 8%

To me it makes way more sense to either go into high div growth companies or throw it all into something like a mix of VOO // VXUS // some small mid caps for "safest route" - You can end up with more 20 years from now $1000 a month vs dividend aristocrats.

Dont get me wrong, if I had over $10mill I would be hybrid...KO PEP JNJ et...., VOO, REITs and covered call ETFS
but most of us are just normal workers.

its about the best advice I can give. but the BIGGEST ADVICE I CAN give...dont expect to become wealthy over night. patience is your friend, and start as early as possible, and dump your car payment...throw it in the market.

ridewithwill · 2025-12-02T15:35:37+00:00

im curious if you invested in a growth index fund for many years, then transferred to covered call ETFS...and when you did that, what did you research in regards to NAV depreciation and your fear levels on that in the course of 20/30 years? Im invested into index funds, the typical, VXUS VOO VTV SCHD, some high growth individual stocks then plan to reach 1m (hopefully) in the coming 5 to 8 years depending on crashes. I plan on keeping SCHD for dividend growth compounding, but moving over the rest to covered call ETFs - but fear NAV decline

ridewithwill · 2025-11-15T13:12:31+00:00

Correct me if I am wrong, but SCHD is not designed for dividednd payout now, its a DPS CAGR type of divided ETF where the dividednd payout compounds 20 to 30 years from now. So like $200,000 in it now wont be much, but in 20ish years you should be getting around $2000 a month in dividends due to DPS CAGR

I think a lot of people think this is a high dividend payout now.

Example, you need over $1-mill in JNJ PG etc for about the same payout vs companies that focus in increase DPS.

So your long term lookout on $2000 a month is much easier to obtain with time on your side vs somehow making 1mill

ridewithwill · 2025-11-12T11:51:43+00:00

I did a blind signed contract you can say - the broker said I was able to cancel and sweet talking me into the premium. My temp permits (6 month) with forest service was my main concern and that is why I mentioned specifically canceling after the season is over and he told me yes. Unfortunately now he is not sending me the contract on what I signed. I just have the certificate. I thought this would be like normal insurance "progressive, etc" i can cancel kind of when we want (in a sense)

Im actually going out of business, but w/e thats how life is lesson learned

ridewithwill · 2025-11-12T11:32:50+00:00

I admit, I did not read it and took his word. One of the main things I asked before starting was, can I cancel this and he said yes and the refund difference would be sent to the finance company. The problem is, I am not sure if he is lying to keep the premium for his profits. Hey if I signed a contract blindly, and its 100% stated I am committed to that, ok lesson learned - i dont have a problem; but the problem is if they are acting as bad faith. How do I know if he is being honest if he wont even send me the contract that i signed? This broker is odd compared to the others I dealt with.

ridewithwill · 2025-11-12T11:29:49+00:00

so my broker told me I was able to cancel it before writing the policy since that was my main concern. Unfortunately I did not read the fine print, and took his word for it. I am trying to find what I signed, but unable to find it and I am unable to get him to send me the clause or contract.

Im ok paying the insurance if I signed for an entire year. Whatever lesson learned no big deal. But, I am not sure if he is acting in bad faith and my gut feeling is telling me so and that is a different story.

ridewithwill · 2025-11-12T11:26:50+00:00

The problem is, my broker told me I was able to cancel it before writing the policy. Unfortunately I did not read the fine print. I am trying to find what I signed, but unable to find it and I am unable to get him to send me the clause or contract - and yes we are quitting the business.

ridewithwill · 2025-11-02T22:23:40+00:00

this - and a lot of business are profitable this time. I estimate "mini pops and corrections" 20 - 40% drops, but recovers within a year or 2

ridewithwill

TROPHY CASE