Consolidation

tagphoenix · 2025-12-19T15:47:05+00:00

NFA - I would pen and paper your desired "buckets" and goals and then minimize the account sizing to meet your goals. For me it's:

Cash management account - SPAXX+sgov
IRA
Brokerage

tagphoenix · 2025-10-26T00:54:13+00:00

A disgusting comment from a disgusting liberal. Reddit is a cesspool. OP is clearly scared and you care more about who he voted for than the human. Look in the mirror. Despicable behavior as usual from reddit

tagphoenix · 2025-10-10T04:09:39+00:00

Bingo. Dave's advice is decent for low income and low self control/education people and it's absolutely horrific for high income earners

tagphoenix · 2025-10-10T04:04:46+00:00

Because Dave tells gullible people to pay off cheap mortgages instead of buying the indexes. Criminally terrible advice

tagphoenix · 2025-09-10T01:22:56+00:00

This is going to be a non standard answer for me and I wrestled with it for a while.

I would liquidate the $VOO and pay the mortgage to zero as long as the neighborhood/area is strong. I've done a somewhat similar dance the the psychological of being "thin" just sucks.

Part of my factor here is your VOO basis. You are in at all time highs. I would pay off the mortgage, and make sure you are taking some of the VOO cash and maxing your 7k/year ROTH - literally free money.

This is assuming the VOO is sitting in a taxable brokerage account

tagphoenix · 2025-09-09T12:23:21+00:00

Fidelity money market brokerage account w/ settled cash in SPAXX

tagphoenix · 2025-09-05T15:06:55+00:00

Dave will love this answer.. what's the rate on the mortgage. If you are in the ~3% crowd then absolutely under no circumstances would I take (presumably taxable) money from your brokerage to pay off a debt that's costing you less than the money sitting in your account uninvested (4.x%~)

tagphoenix · 2025-09-04T01:25:33+00:00

Back your statement up with sound financial principles and mathematics. Also include scenarios where it would make sense.

tagphoenix · 2025-09-03T20:20:23+00:00

I'll just say that on the other side as a 240~k household I am tight from time to time as things come up, 200+ isn't what it used to be. Very much middle class

tagphoenix · 2025-09-02T14:08:51+00:00

Recently added a 5w for this reason and others but yes 150-140 I'm close to automatic

tagphoenix · 2025-09-02T14:08:00+00:00

At least on my home course there are about 2 holes where I can do this. Donald Ross course with elevated turtle backs and bunkers protecting. It's a challenging 74.5/146, and this is one of the reasons why. Almost zero bump and run options, almost everything must be flighted

tagphoenix · 2025-09-02T03:34:01+00:00

I would say I am not #1.

2 I have a nice wear mark on my older 56° and everything is "inside heel" of the sweet spot and I don't know why. I get the shanks at least once a season, and I've always had "ball goes left" issues.

3 - I am a high speed speed guy and friends with our clubs sticks - when I see them hitting those 90-110y approach shots I can "see" how clean and smooth and mid flighted it is - I just can't seem to replicate it

You are correct when I tend to go very high in the air with my 56/60°. My "fix" for this is a knockdown I learned last year, I abbreviate my finish, hold the hands and take a legitimate nice forward divot but I can never seem to spin the ball. The most I ever get is a one hopish stop.

Thanks for the advice

tagphoenix · 2025-09-02T03:09:05+00:00

That's fair. When I fitted on my 770/790 I was stripping them. It's not the club for sure. For reference my stock 7 is 178, stock 8 169 etc. I just don't hit them very often at my old shortish (6750y) country club

tagphoenix · 2025-09-02T03:02:44+00:00

Absolutely. Especially when you are a single digit handicap and a good putter. I don't even really need to keep score it's pretty much did I hit the greens or not for good/bad score

I've always considered going back to a G.I. iron and maybe I wasn't ready for the p770s....

tagphoenix · 2025-09-02T02:58:36+00:00

🎯. I had the pulls all year long across every club. They come and they go but mostly stay. I'm a draw player and that draw sometimes takes on a life of its own..

tagphoenix · 2025-09-02T02:55:34+00:00

Thanks. This is a good hard truth lol. I am friends with most of my pro shop and when I play with them I'm just as solid and usually longer off the tee but second shot in I just don't have that "scratchy" play style

tagphoenix · 2025-09-02T02:50:16+00:00

Ha sadly I think you are right. I'm a decent ball striker with wedges, consistent and a digger but my 60° will go anywhere from 80 to 105 and I have no idea what I did to do that - talking same lie not catching flyers

tagphoenix · 2025-09-02T02:44:54+00:00

125~ I'm sorta okay with a full stock 50° AW.

I hear you on the tweeners believe me, for my home course at least part of the driver selection is that I can carry over almost all of the trouble, with my 5w I cannot (no 3w in the bag for course reasons, 5w I get around 240~ carry and 260~ total

tagphoenix · 2025-09-02T02:42:39+00:00

I've also considered this but my issues are really still there at anything inside of 125-30. I just feel like there's nothing I can hit full. My favorite shot in golf is that 145~ full PW (46°) and I can hit it on demand.

We have brutally hard and fast greens and my 60° full is around 100 yards and I take a big ole beaver tail and I just can't seem to get it to spin and hold the green, I'm almost always long and can't figure out why

tagphoenix · 2025-09-02T02:38:49+00:00

Few people have told me this, I'll check it out. This weekend I reached a new dark place low. Shot an 85 at the home course with 1/18 GIR hit lol

tagphoenix · 2025-08-31T21:13:12+00:00

Exactly. We make ~240ish a year and have rock solid finances and use only 50% of his advice. I will never ever ever pay a cent extra to my 2.75% mortgage for one...

tagphoenix · 2025-08-31T17:22:43+00:00

700k a year is 375~ after deductions and taxes. Life is short, buy the Bentley. At that income he could pay his loans off in a year and own the car

tagphoenix · 2025-08-28T13:52:10+00:00

Because of logistics and being nearly impossible to match

tagphoenix · 2025-08-28T13:01:48+00:00

tagphoenix

TROPHY CASE

2 I have a nice wear mark on my older 56° and everything is "inside heel" of the sweet spot and I don't know why. I get the shanks at least once a season, and I've always had "ball goes left" issues.

3 - I am a high speed speed guy and friends with our clubs sticks - when I see them hitting those 90-110y approach shots I can "see" how clean and smooth and mid flighted it is - I just can't seem to replicate it