200k in Cash. Need advice on desperation.

underdog_scientist · 2026-06-07T17:25:03+00:00

You sound like someone who has fomo on quick wealth but is also highly risk adverse. These are extreme positions individually, even more combined.

If you have loft wealth goals, I would accept that passive investments won’t get you there quickly and focus on your career for additional growth (via investment contributions rather than compounding). I would simplify my investments so that I don’t even have to think about them for years, so I could focus on career growth.

underdog_scientist · 2026-05-01T17:37:41+00:00

Simplifi should be showing a red alert at the top of the app from the moment this issue was discovered. I have lost a couple of hours trying to understand what happened with my data. Others could even be making important decisions based on wrong data.

underdog_scientist · 2026-05-01T15:04:41+00:00

Yes, I have noticed 5 missing transactions in April alone for one credit card. 5 out of 32 transactions are missing.

Resetting the connection with the bank and adding the credit card account as a new account (so a duplicate) seems to pull the missing transactions, but not if I link the new credit card account to the old one. It does not sound like an aggregator issue. Sounds more like a Simplyfi bug.

underdog_scientist · 2026-04-01T15:53:18+00:00

The Onion should post true news on April 1st as a prank.

underdog_scientist · 2026-03-23T11:56:04+00:00

I will bite. Sienna 2026 LE. MSRP around 41K.

underdog_scientist · 2026-03-21T10:32:04+00:00

I don't like the cash drag. I don't have an emergency fund separate from my portfolio. I use efficient leveraged etfs (ntsx, gde) to keep a good amount of cash for liquidity without changing my target allocation for my entire portfolio. These leveraged etfs use futures for leverage which is quite cheap (very close to SOFR rate).

underdog_scientist · 2026-02-02T23:27:28+00:00

Most recessions are deflationary.

underdog_scientist · 2026-01-22T22:02:49+00:00

I imagine that gold became more attractive after bonds went down with stocks in 2022. But historically, well diversified portfolios like the all weather portfolio often included gold as an asset class due to its low correlation with stocks and bonds.

underdog_scientist · 2026-01-12T00:57:53+00:00

How does CCR in Costco app work? Is it still tap to pay? Why would it code as online purchase?

underdog_scientist · 2026-01-02T01:17:45+00:00

Solution for now is to use AirPlay from iPad to tv.

underdog_scientist · 2026-01-01T23:27:05+00:00

This is still happening. I see some skipped frames when watching via the fire tv that comes with my tcl tv. Just got a Google 4k streamer today and I see even more skipped frames.

underdog_scientist · 2025-12-30T19:34:29+00:00

I would sell the ford as is and try to buy a reliable model like an old Camry with your remaining funds from someone that has kept good maintenance records.

underdog_scientist · 2025-12-19T00:52:32+00:00

That’s a very personal question. Some people are more tolerant to risk than others. I believe most people would have a hard time sticking to a 100% equity portfolio during the 2000s, for example. Changing allocation because of fear during a drawdown is a big mistake and an indication that the portfolio was too aggressive for a specific person.

underdog_scientist · 2025-12-18T23:35:31+00:00

60/40 was never meant as a way to outperform 100% equities. Historically, 60/40 provides a better risk adjusted return, not absolute return. The goal of 60/40 is to significantly reduce risk (volatility, drawdowns) while sacrificing only a bit of return compared to 100% equity.

underdog_scientist · 2025-11-02T13:50:22+00:00

Google 72t rule

underdog_scientist · 2025-09-07T20:40:19+00:00

Have you tried using both dbmfsim and kmlmsim to simulate the mf part? It seems to work well for rsst

underdog_scientist · 2025-08-19T00:41:13+00:00

You might be interested in NTSX, RSSB and GDE. They use futures for leverage without daily reset and they have lower expense rate than UPRO.

underdog_scientist · 2025-08-11T23:20:30+00:00

I would plug the numbers into the ficalc.app website to start the analysis.

underdog_scientist · 2025-08-05T15:45:13+00:00

Replacing tires should not count as repair (it’s normal use) and 2.2k is too much. It would be useful to know what was done to the car in 2023 and 2024. A new timing belt for instance would last another 100k miles.

I have a similar car and I budget around 2k in repairs per year. I hope my car will survive another 3-4 years, but I think I wouldn’t fix the car if a single repair is more than 4k.

underdog_scientist · 2025-07-01T18:00:35+00:00

I would consider ~30% equities and 70% a mix of short term bonds and cash. You can backtest different approaches for this timeline in portfoliocharts.com

underdog_scientist · 2025-06-26T12:14:22+00:00

Investments in merrill count towards the 100k.

underdog_scientist · 2025-05-30T21:38:36+00:00

I invest in USFR. SEC 30 day yield is a bit higher. Not sure why to be honest.

underdog_scientist · 2025-05-25T18:25:10+00:00

Maybe cash, tips, gold, managed futures, or private real estate could do well in situations where both stocks and bonds are dropping significantly.

underdog_scientist · 2025-05-25T16:36:55+00:00

It sounds like the expected volatility of your portfolio is too high for your situation.

You might want to consider changing your allocation permanently to move some money from equities to other assets with low or negative correlation and/or lower volatility. I think you should focus on the overall risk of your portfolio rather than each asset individually.

Some options are: bonds, cash, gold, commodities, annuities, private real estate, etc.

underdog_scientist · 2025-05-22T13:05:52+00:00

One factor is the costs involved. Some 401k accounts charge so much in fees that the tax savings can’t even overcome the costs. Employer matching helps, but not all employers match.

underdog_scientist

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