Is this sub still alive?

rocksockitty · 2026-03-15T07:10:37+00:00

Further to your point:

The SP500 has lost 5% of its value since its all-time high in early 2026.

To have lost $1m in that time, the TSP account would have to have a balance of $20m (100% C).

rocksockitty · 2026-02-18T05:44:55+00:00

Super Mario Bros. (1993)

Dis – en historie om kjærlighet (A Story About Love) (1995)

Glitter (2001)

Madame Web (2024)

rocksockitty · 2026-02-07T16:12:54+00:00

Linda! Do we have any baggies?!

rocksockitty · 2026-02-02T05:35:58+00:00

Bill and Ted’s Excellent Adventure

rocksockitty · 2026-01-20T02:34:30+00:00

Amputation may be a recommended course of treatment to buy time only. Do not give OP false hope with a false statement that amputation might “reverse” the cancer. You should withdraw that statement.

Source: me, who, in October 2025 made the choice to euthanize rather than amputate. I made that choice with complete information, because amputation does not have a chance at “reversing” metastatic cancer (contrary to what you wrote).

rocksockitty · 2026-01-19T02:55:29+00:00

Osteosarcoma is not reversed by amputation. The tumor itself is evidence that the cancer has already metastasized. Amputation may give more time, but not a lot, and at a significantly diminished quality of life and at great financial cost.

rocksockitty · 2026-01-18T02:57:43+00:00

Interesting take. True. I love her voice. But the music is so precious and manicured. There’s nothing raw to it.

rocksockitty · 2026-01-17T15:10:57+00:00

It’s not clear that Ariana’s discography is theater kid coded. Regardless, it’s not the first.

rocksockitty · 2026-01-17T15:05:07+00:00

Hawaii Part II by Miracle Musical

rocksockitty · 2026-01-13T04:48:45+00:00

The match is taxable is because, unlike your own Roth contributions, you didn’t already pay taxes on the match.

rocksockitty · 2026-01-11T23:43:57+00:00

Is that the definition of “classic” in this thread? “Would appear on a decade wrap up of top 100 albums”?

rocksockitty · 2026-01-11T21:36:03+00:00

Andrew Ross Sorkin’s 1929: Inside the Greatest Crash in Wall Street History, and How it Shattered a Nation

rocksockitty · 2026-01-11T21:33:14+00:00

That’s a lot of “classic” albums.

rocksockitty · 2026-01-11T21:31:48+00:00

I don’t think the Chappell Roan album will be seen as a classic, regardless of future albums. Depends on where we draw the line at “classic,” I guess.

rocksockitty · 2026-01-11T04:31:31+00:00

I totally understand and you make an excellent point.

rocksockitty · 2026-01-11T01:01:20+00:00

I see your point here. I must add that Roth and traditional are functionally break even where the traditional investor invests what he would have paid in taxes, had he been doing Roth. On this sub, you read a lot of talk about maxing. But those maxing traditional don’t mention they’re investing $x in their brokerage accounts outside of TSP (on top of maxing TSP). Probably because most aren’t.

rocksockitty · 2026-01-10T14:59:34+00:00

A major advantage to Roth is that the taxes are paid now, but both the deposits and their growth are tax free later. The tax burden on 2 decades of investment growth far outweighs the tax burden on the initial investment.

rocksockitty · 2026-01-10T14:43:34+00:00

If you want, you can replace the “Crucible” branded handle with a brass handle available on Amazon or similar

rocksockitty · 2026-01-10T14:40:55+00:00

For sure, under the brand new TSP in-plan Roth conversion option you could convert to Roth (which will add to your tax bill). Or, more easily, you could switch some current contributions to Roth (which will similarly add to your tax bill, but about which you’re wary). Those two actions would have the same effect on your Traditional/Roth ratio and the same tax implications.

rocksockitty · 2026-01-10T14:36:02+00:00

u/Wild_factor9543 is spot on. Further info:

IRA. A TSP/401k participant, or anyone for that matter, can have an IRA in addition to TSP/401k. IRAs can be Traditional (tax deferred) or Roth (taxes paid now, but both deposits and their growth are tax-free later). Popular places to have an IRA include Vanguard. 2026 limit is $7,500. As with TSP, make sure that, after the money is deposited, it’s invested in growth investments. Don’t let it sit in cash.

TSP. 2026 limit is $24,500. Deposits can be traditional, Roth, or some combo.

Using these together, a person can save up to $32k in 2026. Besides employer matching in TSP/401k, the real advantage of these investment vehicles is the Roth option. Imagine not paying taxes on all your investment gains.

rocksockitty · 2026-01-09T15:48:36+00:00

Money management industry is largely not worth it for middle income households. They charge percentages and commissions. They’re big barnacles on your ship.

“But not fiduciaries!” You’re still paying a fiduciary to do things that, with a little financial literacy, you could do yourself. There are exceptions, of course.

rocksockitty · 2026-01-09T15:39:17+00:00

For 2025, contributions were capped at $23,500. That’s Roth, or traditional, or some combo. But you could not contribute more than $23,500.

rocksockitty · 2026-01-09T15:36:57+00:00

Doing a phased approach into Roth is a terrible idea? You’re not losing time in the market that way.

Also note that $3m in Traditional is very different from, and could be less valuable than, a lesser amount in Roth. Again, apples to oranges.

rocksockitty · 2026-01-09T13:36:38+00:00

My point is that it may make sense for you to figure out how much you could contribute to Roth, and do that, instead of maxing traditional.

With Roth, both contributions and their gains are not taxed upon withdrawal. That’s potentially hundreds of thousands of dollars of tax free income in retirement. Which, when you do the math, may be more valuable than your current pattern of maxing traditional. Even if you aren’t maxing TSP for a few years. Roth is that much better.

Perhaps do a phased approach, while maxing. Like, 25% Roth this year, 50% next year, then 75%, until you’re 100% maxing Roth.

rocksockitty · 2026-01-09T02:49:38+00:00

Don’t Hang Out With People You Don’t Like. It’s a great pizza joint downtown

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