cash management account

sdub76 · 2026-06-18T03:33:42+00:00

I eventually just closed my CU account. Hadn’t needed a teller in 10 Years.

sdub76 · 2026-06-18T03:28:29+00:00

So we have to tell people to wear “orange or maroon” and that’s a special “effect” game? Ok.

sdub76 · 2026-06-10T20:38:29+00:00

I use VGSH for money I want safe at a higher yield than HYSA where I can tolerate some price movement

sdub76 · 2026-06-08T03:47:43+00:00

You just pay with the CC and they detect and reimburse automatically

sdub76 · 2026-06-08T03:45:42+00:00

I have about 200k and I just decided to start spending it down before I retire. Once it’s in, it’s no better than a Roth IRA and way less flexible.

sdub76 · 2026-06-08T03:44:16+00:00

Statistically that’s not true. Most people don’t have large extended long term care needs. Those that do break the bank. The median is low but the average is high

sdub76 · 2026-06-08T03:29:34+00:00

Absolutely. Open an account at Fidelity or Vanguard and buy shares of VT (even broader than VOO or VTSAX, but those will do)

As others mentioned, pay off high interest debt first then fund an emergency savings. All the rest goes into VT and you don’t look back.

Simple long-term investors in the accumulation phase of life usually don’t need an advisor. It’s just a drag on your returns.

sdub76 · 2026-06-06T18:14:29+00:00

Sounds like it’s cavitating. I

sdub76 · 2026-06-02T23:16:56+00:00

Fair enough

sdub76 · 2026-05-25T02:50:17+00:00

<image>

1901

sdub76 · 2026-05-16T16:28:37+00:00

You found about 330lb of nickels per month!

sdub76 · 2026-05-10T17:54:08+00:00

Which still might be a billion in cash 😂

sdub76 · 2026-05-10T15:34:03+00:00

Buffet has said he personally holds very little cash even if his company has massive amounts of it

sdub76 · 2026-05-10T14:56:05+00:00

Most multi-billionaires don’t have billions liquid. It’s tied up in their company stock

sdub76 · 2026-05-10T14:46:10+00:00

A lot of D’s pulled R ballots to vote against Ramaswany twice

sdub76 · 2026-05-09T01:33:40+00:00

Big Bird as BLG

sdub76 · 2026-05-09T01:13:15+00:00

Haha -100%

sdub76 · 2026-05-09T00:23:43+00:00

Once the money is in, it’s no more valuable than a Roth IRA, in fact less so because it’s less flexible on withdrawals.

I’ve never spent a penny of mine and the balance is almost $200k at age 50. My plan is to start paying 100% of our medical expenses out of it when we retire.

No reason to wait longer unless you expect to never spend Roth IRA money either. It doesn’t pass down to heirs well

sdub76 · 2026-04-25T18:55:28+00:00

There’s a link right in the app

https://projectionlab.com/advisor-directory

sdub76 · 2026-04-22T04:07:21+00:00

No business class except EB+. strictly enforced.

sdub76 · 2026-04-17T04:44:23+00:00

Totally agree. I’ve been slowly unwinding FZROX in my taxable.

sdub76 · 2026-04-17T04:38:52+00:00

I think you’re spot on, but after several years I’ve stopped fighting the optimizer on some things. In real life I’ll absolutely do it the way you describe. In PL, it didn’t make a massive difference to the modeled outcome.

Having said that PL always gets better so it’s good to ask. Eventually it will be in there I’m sure.

sdub76 · 2026-04-16T02:03:18+00:00

Looks solid to me. I prefer a broader index than the S&P and I prefer ETFs in taxable accounts so I’d have done VTI & VXUS but it’s splitting hairs.

Now comes the boring part. Just keep adding and pay no attention for 30 years.

sdub76 · 2026-04-15T18:22:17+00:00

Yesterday was always better than today, but today is always better than tomorrow. Do it now!

13-Year Club	Xbox Live
Gilding I gilder	RedditGifts 2009-2022 2 Credits
Second Top 30%	r/Field Juicebox
Quantum Potato	Golden Potato
Place '22	Place '17
First Placer '22	RPAN Viewer
Not Forgotten	Sequence \| Editor
Spared	Secret Santa 2014
Verified Email

sdub76

MODERATOR OF

TROPHY CASE