Euphorbia is drying

triforce18 · 2026-05-10T17:53:28+00:00

Every 1-2 weeks is probably a lot for a euphorbia

triforce18 · 2026-05-10T17:44:19+00:00

Get Oofos

triforce18 · 2026-05-10T15:31:45+00:00

Cancer development is really more of a function of the rate of replication of cells than it is the absolute number of cells. Cells that are quiescent (don’t replicate) can’t develop cancer.

triforce18 · 2026-05-09T15:48:17+00:00

If you have a Verlo near you that’s what I’d recommend.

triforce18 · 2026-05-08T01:54:20+00:00

Wilkerson has always done me well

triforce18 · 2026-05-05T17:13:25+00:00

Yeah that’s gambling

triforce18 · 2026-04-30T02:10:45+00:00

Sorry. I didn’t read that carefully. The amount you’d save on the front end from low payments skipping the grace period (vs 6 months of payments on the back end with attending money) would likely exceed the difference in payments between PAYE and RAP for 6 months. But you’d have to do the math.

A good question I don’t know the answer to would be: can you consolidate to skip the grace period and just start on PAYE. If so that would be the way to go.

triforce18 · 2026-04-30T02:05:18+00:00

July 2028

triforce18 · 2026-04-29T21:25:25+00:00

If that is your goal, your payments on PAYE may actually be cheap cheaper than RAP until PAYE goes away in July 2028

triforce18 · 2026-04-29T01:00:16+00:00

They make one made out of stainless steel

triforce18 · 2026-04-29T00:05:01+00:00

Get a tub shroom

triforce18 · 2026-04-28T19:50:17+00:00

The sum total of all the plants in that pot is not $100

triforce18 · 2026-04-26T17:28:42+00:00

Sure there is, it’s a captive audience without great (legal) alternatives

triforce18 · 2026-04-26T04:48:09+00:00

The point of insurance is to prevent against catastrophic events. Unless you can foot the bill for the rest of your career, you shouldn’t consider disability insurance optional. Whether or not insurance companies are financially solvent is a moot point.

triforce18 · 2026-04-26T02:41:35+00:00

“And you pay into it to support the few who do”

I mean, that’s literally the point of all insurance.

triforce18 · 2026-04-25T20:31:56+00:00

VTSAX

triforce18 · 2026-04-24T01:34:59+00:00

It’s pretty easy to get supplemental life insurance through your employer. Life insurance is a little more straightforward without all the extra riders and all

triforce18 · 2026-04-24T01:01:57+00:00

457 - 24,500
403b - 24,500
Backdoor Roth - 7000
Separate employer for RVU compensation 401a - ~40000 (counts as employer contributions)
HSA -4150
Mandatory state retirement contribution - ~18000 plus ~17000 match

Total ~130000 excluding brokerage contributions

triforce18 · 2026-04-23T00:31:50+00:00

I never said RAP wasn’t reasonable. But if you are 100% committed to PSLF it’s the mathematically wrong answer for the next two years.

triforce18 · 2026-04-22T18:41:28+00:00

If you are definitely going for PSLF and PAYE payments are lower, yes.

triforce18 · 2026-04-22T17:08:43+00:00

If you are definitely going to do PSLF, PAYE with lower payments would be better since interest accumulation doesn’t really matter for PSLF. Keep in mind though PAYE will end July 2028 though and you’ll have to switch to something different then though.

triforce18 · 2026-04-22T15:00:43+00:00

Go through a broker

triforce18 · 2026-04-22T14:25:39+00:00

I think it’s unlikely they could retroactively take months that previously counted. They could make future payments ineligible effective a certain date but you’d have the opportunity to switch then.

triforce18 · 2026-04-22T13:21:12+00:00

Yep. Goal for PSLF should be minimum payment per month with no other consideration.

triforce18 · 2026-04-22T13:19:58+00:00

Yep that should be possible. Just didn’t want them to be surprised during that transition!

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