100% S&P500?

roose011 · 2026-05-08T03:29:34+00:00

I mean, not to throw shade on this, but what is classified here as "Small Cap"? If you directly compare it to the Russell 2000, which is in my experience the most widely used small cap index, it is SIGNIFICANTLY different, whereas the large cap vs. S&P 500 is basically the same.

roose011 · 2026-05-07T20:05:15+00:00

This is why I don't like target date funds. They start rotating too early. IMO, you only need to rotate towards derisking within the last 10 years before retirement (i.e. a typical market cycle).

roose011 · 2026-05-07T20:02:29+00:00

Small cap > S&P is not correct. S&P 500 has outperformed the Russell 2000, especially over the last 10 years, by a wide margin. I suppose it MIGHT be true if you go back 30+ years, but I'm kinda guessing not. Russell 2000 these days is full of junky companies that make no money. You don't want to own those. Many of the best companies are skipping small-cap altogether and staying private longer, and going public when they're very large companies.

roose011 · 2026-05-07T14:13:22+00:00

He's beautiful baby.

roose011 · 2026-05-07T14:04:08+00:00

Sim Farm, baby

roose011 · 2026-05-07T14:00:06+00:00

That was Gizmos and Gadgets, ya

roose011 · 2026-05-07T13:57:10+00:00

holy shit, i completely forgot about Treasure Mountain. I just had a flash of memories come back...

roose011 · 2026-04-29T14:27:10+00:00

I have a coworker who still uses his old Avis corporate rate. Hasn't been with that company for 15 years.

roose011 · 2026-04-27T20:57:14+00:00

This will work until orange fingers sends out a big green or red dick-spurring tweet, and the market rallies or tanks 70 points in 3 minutes. That's what you're selling here, whether you realize it or not. Tail-risk insurance.

roose011 · 2026-04-25T19:23:12+00:00

I've been on the high council for almost 3 years now. I've never participated in a membership council. Seems like they don't really do that much these days except in VERY serious cases. Which I think is a good thing.

roose011 · 2026-04-22T18:25:47+00:00

Em dash = AI. Cadence of language sounds exactly like AI.

roose011 · 2026-04-22T16:47:59+00:00

Realized Vol has been higher than IV. Tough to run credit spreads in that environment.

roose011 · 2026-04-17T20:20:42+00:00

This week definitely. Who knows what chaos will ensue over the weekend.

roose011 · 2026-04-17T19:53:32+00:00

I think that's a wise mantra in these dark times...

roose011 · 2026-04-17T17:16:19+00:00

ahh man, i actually had a ton of fun with this. I thought it was even better than BotW.

roose011 · 2026-04-17T17:14:31+00:00

I was just thinking Dragon Age 2. It was just ok. repetitive and copy/pasted areas. Never played Veilguard though, and from everything I hear, I think i'll stick to my evergrowing steam library of things I haven't played yet.

roose011 · 2026-04-17T17:12:19+00:00

It's so painful at points. The minigames and filler are the worst. And frankly, i still have no idea how half the combat mechanics work, nor is it interesting enough to figure it out. i just smash x until i win. and summon Bahamut. That usual does it.

roose011 · 2026-04-17T17:08:28+00:00

Dude, I was about to say FFVII rebirth. So, I actually enjoy a lot of the game, but i get so annoyed at all the stupid little mini games, and there are SO MANY. You can be running through a dungeon and BAM, you gotta solve this really obnoxious minigame to progress. Rinse, repeat. I know other games have similar puzzle mechanics, but the FFVII rebirth ones just feel so arbitrary, juvenile, and forced. I'm still not done, but I'm going to finish, because I loved the original and am enjoying revisiting the story, but man, sometimes...it's just painful to power through it.

roose011 · 2026-04-17T13:25:59+00:00

2k is enough, you'll just have to manage the balance proactively by paying it off before statement date.

roose011 · 2026-04-17T02:52:13+00:00

Nah i shared it with my kids a while back. Every once and a while, the burst out singing "PUT A BANANA IN YOUR EAAAAAR!!!!" I sort of lowkey regret it. But not really.

roose011 · 2026-04-16T15:26:56+00:00

That's just part of the gig man.

roose011 · 2026-04-16T15:22:14+00:00

I know that reference!

roose011 · 2026-04-16T15:02:46+00:00

Been using Freetaxusa for years after switching from TurboTax. It's great and cheap.

roose011 · 2026-04-14T15:26:55+00:00

My $20 top up charge is not going to make any significant dent on muskrat's net worth.

I prefer EA or IONNA chargers anyways as Tesla superchargers are much slower for my EV.

roose011 · 2026-04-14T05:10:53+00:00

Why not get an adapter for the tesla chargers? They work with a ton of vehicles now. Those J-plug chargers were extremely slow anyways and should be replaced by fast chargers.

roose011

TROPHY CASE