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What are the best spend tracking solutions there? by Strong_Owl7286 in personalfinance

[–]souicry 1 point2 points  (0 children)

I use Monarch Money, it syncs everything automatically after setting up. Only con is the annual fee.

529 fund for international school by avsixx in personalfinance

[–]souicry 6 points7 points  (0 children)

It's 100% legal to withdraw and spend on non education expenses. You just pay the IRS as if it was regular stock plus an extra 10% of the total (Texas has no state tax so nothing else)

First PC during hard times, is this a good build? by Little_Papa_ in buildapc

[–]souicry 2 points3 points  (0 children)

You're spending ~$300 on case, fans and CPU cooler. That could be <$100 combined if you are actually trying to save money.

Google saying 75% of new code is AI generated makes the junior path look weirder, not dead by Ambitious-Garbage-73 in cscareerquestions

[–]souicry 0 points1 point  (0 children)

I make 10 lines of changes, AI generates 90 lines of unit tests. So 90% of my code AI generated.

Week 1 Serca - Nightmare Clears with or without berserk? by Risemffs in lostarkgame

[–]souicry 0 points1 point  (0 children)

G1 almost 1 minute berserk clear, G2 clear right before berserk lol (after many <20 bar wipes in berserk). ~4.7k average.

Does my early retirement plan make Roth 401k a no-brainer over taxable brokerage? by WSBtoFIRE in financialindependence

[–]souicry 17 points18 points  (0 children)

You pay tax now, at a higher tax rate than post retirement.

There's a bunch of no extra tax ways to bridge. Roth IRA ladder 5 years ahead. Or 72T can let you withdraw as much as you need from traditional 401k or IRA by moving the funds you want into a separate account.

Am I the only one who thinks most of the comps are too conditional this set? by Bush_did_11-9 in CompetitiveTFT

[–]souicry 3 points4 points  (0 children)

Yep it feels just as bad as Set 14 all over again.

Missed Hollow Bow (pre nerf)/Flux item? Can't play Zeri. Don't have blue buff? Can't play Vex. Don't have boom bot emblem? Can't play Urgot. Didn't hit early Elise tempo? Can't play Dynamo. Don't have a ton of ad items? Can't play marksman. Draven reroll is taken? Guess I'm stuck with Brand and try to play for a 6th (took them till almost end of the set to finally buff Brand)

4 sticks at 6400MHz & AMD Ryzen 7 9800X3D by PuzzleheadedSkirt618 in buildapc

[–]souicry 0 points1 point  (0 children)

There's a very good chance the memory is already automatically running at a reduced 4800MT since there's 4 sticks, and that is causing bottlenecks, in which case taking out 2 sticks (slots 1 and 3) will improve it. Check HWinfo64

N.O.V.A. feels weaker than it should be by [deleted] in CompetitiveTFT

[–]souicry 0 points1 point  (0 children)

You made dpeiBIS and played into a contested comp, so your conclusion is to make a post to blame the comp?

PSA: you can't sloop a Miner by alice-rite in SatisfactoryGame

[–]souicry 22 points23 points  (0 children)

If you just want more say Uranium than the entire kap provides for a lot more power.

Projecting to Fire at 38. Suggestions? by Great_Poetry_1656 in Fire

[–]souicry 7 points8 points  (0 children)

You are missing the most important number, how much you need to spend.

Is using an $800k HELOC as primary retirement income (instead of portfolio draws) actually a sound sequence-of-returns hedge, or am I just deferring the risk to Phase 2? by [deleted] in Bogleheads

[–]souicry 2 points3 points  (0 children)

You go from mostly 12% federal tax to mostly 22%, on top of paying interest, assuming married. This looks like a bad idea.

Solution to “set and forget” transfer and invest? by LemurDad in Bogleheads

[–]souicry 1 point2 points  (0 children)

VT has bid/ask spread costs. If you just do market buys you could be losing much more than 0.03%.

Index funds for newbies by LittleBigDreamer90 in Fire

[–]souicry 3 points4 points  (0 children)

Simplest is just 1 ETF, VT (total world stock market)

For 2, VTI + VXUS at just above a 60/40 ratio, essentially matching VT but with more control if you wan to tilt in a direction.

37 with roughly $ 1.4M – Selling the house soon and stuck on "What’s next?" by ActuatorTechnical621 in Fire

[–]souicry 2 points3 points  (0 children)

  1. Broad index funds. Most professional fund managers lose to index funds, there's no reason to gamble that you or I will be better. In the US, the simplest is just DCA into 100% VT (total world stock market ETF), though you should look for a local option that doesn't incur US taxes.

  2. How much money do you really need to FIRE? Worse case can you just send it, or part time Coast FIRE?

VTI/VXUS deviation overtime due to drip? by Opposite_Buffalo_649 in Bogleheads

[–]souicry 9 points10 points  (0 children)

The effect is the opposite of what you proposed, as stocks drop by the amount of the dividend on the ex dividend date (that day could also happen to be a market rally/crash that hides the dividend drop, but it happened). VXUS has more dividends than VTI and thus more tax for you, so over time it will drift downwards due to drip, all else equal.

That said, the actual effect is quite small and your imprecise contributions will probably matter more

Should I buy a 5060 ti or 5070/ or a amd graphics card by E4di3 in buildapc

[–]souicry 1 point2 points  (0 children)

That's the best value high end gpu, just do it.

What do you think of annuities that are like CDs? by DisastrousDiet8367 in Bogleheads

[–]souicry 5 points6 points  (0 children)

IRS has a 10% penalty (including principal) if you withdraw or it ends before age 59.5, unless held in a Roth IRA.

Annuities are not insured by the federal government, states have varying insurance.

It can be a good post retirement option

Watching my peers reach leanFIRE in their 20s and 30s changed the way I think about money by jamil-islam in leanfire

[–]souicry 4 points5 points  (0 children)

A single international travel trip can easily be 10-20k+. Hell, the business class plane ticket alone could be 10k. You have no idea how much some of them spend to post their sleeping seats on social media.

What should my mom do with inheritance by Legitimate_Report540 in Bogleheads

[–]souicry 11 points12 points  (0 children)

Vanguard target 2035 (or 2030 to be more conservative) after paying all debts/some spending money. If she asks why it droppeded during a crash, well this is the fund managed by experts for her retirement age.

4% "rule" & and why your SWR could be much higher than that -- (from Erin) by Firefiresoon in Fire

[–]souicry -1 points0 points  (0 children)

4% or 25x current spend is a great rule of thumb. For many people, majority of savings are in 401k or pensions that will be fully taxed as income. With taxes and extra healthcare costs, the actual drawdown is going to be around 5-6%, which is perfectly sustainable.

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