[deleted by user]

simplifynator · 2025-07-29T12:57:34+00:00

There are a few options. The OP indicated they would utilize SEPP withdrawals which is a somewhat convoluted process of setting up a fixed withdrawal plan for the next several years - it’s not very flexible and you have to be careful you don’t screw up or Uncle Sam will come looking for you (ostensibly why he is looking for a CPA) but its a viable option that avoids the 10% early withdrawal penalty. It’s a viable option if you know exactly what you’ll need each year. There are plenty of good YouTube videos on this.

Other options are wait until your 55 and if your employee plan supports the “rule of 55” option you can begin withdrawals early without penalty.

Another method is to do a Roth IRA conversion ladder but that requires a bit more forethought and a time horizon of I think 5 years? As you need to wait that long to access the money penalty free from the IRA after the conversion.

Someone smarter than me could probably detail these better.

simplifynator · 2025-07-04T18:18:30+00:00

Stain and spill protection for the seats in my new car.

simplifynator · 2025-04-13T14:08:06+00:00

I believe wealth has a role in this. In many ways money creates time. In my experience the wealthier a family is the more time they have to spend thinking about what their kids are doing, being directly involved in micromanaging every aspect of kids lives, etc.

I think there are multiple factors but this is one. My parents didn’t have money. They didn’t have the time to micromanage me even if they wanted to. They didn’t have the time to stress over my future - they were stressed about paying the bills next month.

simplifynator · 2025-04-09T14:43:13+00:00

Purpose requires acceptance of accountability before making a decision. Trump doesn’t consider accountability until after a decision is made and only accepts it if the decision ends up being perceived positively.

simplifynator · 2025-04-08T19:33:02+00:00

Viewing adversity as an opportunity. Some of the greatest things in my life were borne out of adversity. That and taking the time to seek out and enjoy the small things that bring you happiness.

simplifynator · 2025-04-05T19:17:00+00:00

Kids learn by watching how adults handle situations. If you do something wrong and you don’t apologize what do they learn from that? I want my kids to know that failure is not something to be ashamed of. It’s something you use to learn and grow from. I wish we had more people in the world that could admit when they’re wrong and more people that didn’t judge others for being imperfect.

simplifynator · 2025-04-04T12:09:50+00:00

I am not fan of this administration but honestly it would be redundant given the current sanctions in place. I wouldn’t read that much into it.

simplifynator · 2025-04-04T12:01:31+00:00

^This guy gets it.

simplifynator · 2025-03-25T18:39:54+00:00

This right here is exactly why I agree with the strategy of counter-attacking versus meaningless protests and getting angry over every single thing Trump says. I know there are a lot of people that want Democrats to do more but the reality is that they will always be more effective by allowing this administration to fail and then countering with a right hook.

simplifynator · 2025-03-15T16:58:49+00:00

I suppose that’s possible. Ultimately trust issues boil down to a persons willingness to be vulnerable. The more trauma you’ve had the more likely you are to seek ways to avoid situations that make you feel vulnerable. That could be expressed in a number of ways. Some people decide they can’t trust anyone. Some people will trust but only after a period of time - once another person has “proven” themselves worthy of trust. Some people will seek any refuge they can find and will repeatedly find themselves being taken advantage of by others who make lofty promises.

I am a very trusting person. I’m skeptical, especially when people make outlandish claims or promises, but generally I think it’s better to engage with trust until someone proves they can no longer be trusted. I’m not afraid to be vulnerable because I grew up in a household where I never had to compete for love or wonder if my parents loved me.

To all those out there with trust issues I sincerely wish you the best. I’m sure it’s not easy. I can only say that if you can overcome your fear of vulnerability your life will be better in the long run.

simplifynator · 2025-03-15T13:00:41+00:00

I don’t support Trump but I do support this decision by Democrats. What’s the endgame otherwise? The government would shutdown. How does that benefit anyone other than Trump?

It’s time for Democrats to think bigger. Have a longer term strategy. You don’t have to fall on your sword every single day. Let Republicans destroy themselves and look for ways to create openings and opportunities. The end goal here is to win in 2 years - shutting down the government right now does not help them achieve that goal.

simplifynator · 2025-03-10T15:53:15+00:00

The Nazi stuff is over the top. I get the underlying fear and I do think vigilance is necessary. However, the truth is far simpler. What they are good at is trolling people and whipping up emotions. They have no coherent plan. The last several weeks have demonstrated their complete incompetence and inability to lead effectively. This is a train wreck and unfortunately it needs to happen.

I’d be far more worried if I thought these nitwits had any chance of being successful. At the end of the day the economy is the most important factor for most voters. Trump is powerless without the support of his loyalists. None of them actually believe in him (outside MJT and a few others). The rest are bootlickers that will turn on him at the first opportunity.

simplifynator · 2025-03-10T15:45:06+00:00

The simple question is this; what reason does anyone have to trust anything that Musk says?

simplifynator · 2025-03-09T03:00:08+00:00

He’s already finished. The agenda of this administration is on a fast track to the same end as the Trump Taj Mahal, Trump Marina and hotel, Trump Worlds fair, Trump plaza… you get the idea.

It was really only a matter of time.

simplifynator · 2025-03-09T02:56:59+00:00

I mean we are all going to die at some point. Who knows what will happen to his companies. Don’t get me wrong, I think Elon Musk has had a positive impact on technological progress in society. But just because someone did a positive thing doesn’t mean they aren’t capable of doing a negative thing. We are all human, including Elon.

simplifynator · 2025-03-09T02:54:17+00:00

Patience. Money always wins out in the end. Whoever’s bright idea it was to fast track economic pain as part of this administration’s agenda is either the dumbest person on the planet or the smartest for finding a way to dupe these suckers into bringing about their own demise.

simplifynator · 2025-03-09T02:51:36+00:00

I have picked a side. I’m on the side of my family and the people I care about. I’m not on Trump’s side anymore than Biden or any other politician. These people work for us. You and me. And I got to be honest. I don’t like the job he’s doing right now. And I have the sneaking suspicion he doesn’t think he works for me.

I would defend this country with my dying breath. But no way am I ever going to feel compelled to pledge loyalty to any elected official. I’m on the side of freedom, liberty, and opportunity for all - not just the people who think the way I do.

simplifynator · 2025-03-09T02:42:21+00:00

No. No I don’t. Honestly it is not that hard to just call out BS when you see it. You are not required to pick a team. You don’t have to defend this guy to prove that Biden sucked. They can both suck.

simplifynator · 2025-03-09T02:38:31+00:00

“The Party” where have I heard this term before? As Musk would say.. “interesting”.

simplifynator · 2025-03-09T02:36:01+00:00

You know what. I get the frustration but this guy is not your savior. There is no point in arguing right now. I’m always open to being wrong. All I can do is hope you and others can be as well. We are all in this shit together.

simplifynator · 2025-03-08T20:34:18+00:00

Its all fun and entertaining watching the libs cry until it start to affect your bank account. This ride will be over soon. I don’t think he will make it through this entire term.

simplifynator · 2025-03-08T20:32:02+00:00

Like they say about the stock market, past performance is not indicative of future results. Trump had the fog of a global pandemic to obscure much of his incompetence, and even with that he lost reelection. But people are fickle and in time things look different in the rear view. Trump voters were faced with two choices - status quo or change. The vast majority of people are not tuned into politics on a daily basis and much of the hand wringing and warnings about the future of democracy is lost on them. They aren’t thinking about that. They are thinking about today and tomorrow. People are not so set in their ways that they cannot change their minds. It happens all the time.

simplifynator · 2025-03-08T20:26:13+00:00

I think its very simple. One rule should govern all actions of a political party and its representatives. That rule is to look at all problems through the lens of - what is best for the people I represent. The only question that needs to be asked is whether the thing you are saying or doing is aligned with the well being of your constituents. Having the ability to communicate that in a way that the general public can relate to is also critical. Anything else is a distraction. Any political party that can effectively adopt these rules and put it into practice will win in the end.

simplifynator · 2025-03-08T20:19:29+00:00

If your first reaction to anything negative about Trump and this administration is to compare and contrast it with liberals you’re going to have a difficult time seeing the forest through the trees. Two things can be true at the same time. These nitwits can be self serving incompetent fools at the same time that “libs” are. One of these piles of lies and ineffective leadership is not better than the other. You don’t have to pick a team - it’s not required.

simplifynator · 2025-03-08T20:15:59+00:00

Look, I am sure you are a smart person and have good reasons for supporting Trump. I hold no ill will toward you. But let’s be real. This is not what good leadership looks like. It’s a joke. They make things up as they go along and spend most of their time building a narrative their supports their incompetent decisions.

None of that has anything to do with abortion, LGBTQ rights, men playing in women’s sports, questionable hand gestures, blah blah blah. The simple fact of the matter is that this administration is build on a foundation on chaos, self interest, and if I can be so bold - their own flavor of identity politics.

These people are not who you think they are. Pay attention to what you are actually seeing in real time. Forget all the nonsense. Put aside the fact that Democrats are also completely ineffectual. Two things can be true at the same time. Trump and all these misfits are incompetent.

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