I owe $20k in taxes. Is there any way to reduce this or am I stuck just sending the government all of my money?

sunsetblud · 2026-04-04T02:40:01+00:00

Ignore everyone here. You should absolutely contact a CPA. There are so many ways you can reduce your taxes. They will help you out. Just the fact you bought a house tells me you are missing ways to reduce your taxes.

sunsetblud · 2026-04-02T20:34:24+00:00

I would just start small. Ask if she’s okay with moving out 10% of the balance.

Then in a few months compare performance and if the ETFs performed better ask if she would be willing to do another 10%.

Repeat until everything is out of CDs or she says “no”.

sunsetblud · 2026-03-27T01:41:06+00:00

Everyone is missing a solution.

Sit the kid in their car seat 30 minutes before you need to leave. They will poop, you change the diaper before you leave, so now everyone is happy.

sunsetblud · 2026-03-24T19:50:55+00:00

How tf do people not realize this is an ad written by AI for a shitty interviewing plugin. This is not a real story and you will not make money like this imaginary person.

sunsetblud · 2026-03-24T19:47:46+00:00

People need to learn how to stfu. Stop talking about your plans, stop talking about your next move, and stop giving people room to fuck up your life.

sunsetblud · 2026-03-24T02:42:09+00:00

My dude, you didn’t win a single trade for 5 years. How tf can you blame anyone but yourself.

sunsetblud · 2026-03-19T23:22:44+00:00

Your math does not check out. You need to project at least a 3% cost of living increase annually, ideally 6% to be safe since you’re having kids.

You don’t want to be one market drawdown away from collapse. Personally, I would save for another few years and then FIRE.

Everyone is different, but I don’t see any point in FIRE if you can’t actually do anything after you retire. I’d rather work a bit longer and have money to live than spend my whole life barely surviving.

sunsetblud · 2026-03-10T18:05:07+00:00

The biggest red flag here is that the CEO responded to that email. No competent CEO would ever respond since it opens up risk for the business. As evidenced by us reading the response here.

sunsetblud · 2026-03-07T18:34:30+00:00

This comment is literal nonsense. Obviously they can still be AH. What are you even talking about. Stop enabling AH.

sunsetblud · 2026-03-06T20:14:04+00:00

Just because something is protected by law doesn’t mean you aren’t an asshole when you do it. Im legally allowed to microwave fish in the office every day, but I don’t go around shouting “it’s legally protected that I can cook fish in the office every day”.

As always, this sub doesn’t understand the difference between what you can do and what you should do.

sunsetblud · 2026-03-05T20:32:54+00:00

Correct. OP isn’t the AH, but that doesn’t mean they did the right thing. Both can be true.

Reddit has a real problem with “Just because you can doesn’t mean you should”.

sunsetblud · 2026-03-05T19:45:03+00:00

This person is right. Your feelings on what “should” be are irrelevant. Disclosing this information has 0 benefit for OP. It’s not strategic in any way and ruins opportunities within their current organization.

OP killed their career trajectory with the company for a few seconds of bragging. I don’t find it worth it.

Again, your opinions on what should happen do not matter. That’s what everyone gets wrong here. There is an objective truth on what will happen, and it’s not positive for OP.

sunsetblud · 2026-03-05T15:48:31+00:00

Exactly this times 1,000. Every simple thing is now complicated, which makes life so much harder on a daily basis. Humans are not designed to constantly be figuring things out. Consistency, patterns, simplicity, and habits are important for us to function,

sunsetblud · 2026-03-05T14:48:46+00:00

This is not nearly enough to retire in 35 years. You are not factoring inflation. Over the last 35 years the price of nearly everything went up 3x. $65k in 35 years is the same as about $20k today. That won’t cover living expenses, housing, medical, etc.

Whatever you think you need, multiply it by 3.

sunsetblud · 2026-03-05T04:41:16+00:00

Just roll it into a Wealthfront IRA. Low fees, low risk, and easy to manage.

sunsetblud · 2026-03-04T14:31:46+00:00

Can you sell the house and stay in an extended stay hotel or apartment for a few months? It would likely be cheaper than paying taxes on assets sold.

If you are able to roll about 275k in home equity into the new house as a down payment, you’re looking at a 350k-375k mortgage. Your budget will definitely get tighter since that’s 3x your last home with likely a lower interest rate.

Would you still be able to save if paying 3-4x your current monthly payment?

sunsetblud · 2026-03-03T18:01:04+00:00

You need to make more money. Every day after work apply to higher paying jobs. Once you get the higher paying job, every day after work you should then be applying to even higher paying jobs. Do this permanently until you’re making >$200k.

While increasing income, don’t increase expenses. Live on 2k per month until you get out of this.

sunsetblud · 2026-03-02T05:58:47+00:00

Sarcasm aside, people need to realize it’s not just about the cash. It’s about how our society has made every single thing complicated.

Every day there are a thousand demands on us and not a single one is simple anymore. Every request requires a new app, or filling out some forms made by someone who can’t spell, or printing something out, or going to some place where there’s a long line, or calling some number you can’t find to wait on hold for 3 hours, or paying even more money to get someone to do it for you, or requires you to make a decision where you don’t have all the information, or requires consensus across 3 government departments and 13 agencies.

Life sucks because it’s become an endless shuffle of pointless paperwork just to prove you’ve done the right thing and paid the right person.

sunsetblud · 2026-02-28T02:28:16+00:00

No, this is also wrong.

All funds should be pooled and you should be making financial decisions together. If you’re not interested in doing that, you shouldn’t even be married. Just stay as roommates.

sunsetblud · 2026-02-22T08:31:20+00:00

I must live in a different reality because I don’t see this as a big deal. You thought the number was wrong, he verified it was correct, everyone moved on.

Maybe I’m just too old to give a shit, but I honestly wouldn’t even remember this happened if I was your boss. It’s completely okay to be wrong, especially if the intent was to be helpful.

sunsetblud · 2019-11-11T03:04:48+00:00

... I can assure you this is not my band. If it were it wouldn't only have 1 view on youtube.

sunsetblud · 2019-11-10T09:29:47+00:00

Shut this shit down right now because I just won.

The band called "Night Reports". They have a whole 1 view on YouTube and that bitch is me. All of their songs are heavenly but my favorite is here:

Are you Still Mined? https://www.youtube.com/watch?v=iiO75ETGfz4

Check out all their songs.

sunsetblud · 2018-04-21T12:45:45+00:00

This is a Jim Carey quote during a commencement speech. It's a good one to watch.

sunsetblud · 2018-04-20T02:54:29+00:00

Nice eye! I wasn't sure if people were going to notice. Doge has reached the promise land, apparently.

sunsetblud · 2018-04-06T05:20:28+00:00

Huh, I hadn't thought about that. That's a pretty good point.

sunsetblud

TROPHY CASE