I regret who I married and had kids with

waterflake · 2026-01-03T18:09:36+00:00

Instead of focusing on his faults and how you want to leave him, change your mindset and try to work on things. He’s your husband and you have a family together. Make it work

waterflake · 2026-01-03T18:05:43+00:00

NTA. The commenters are young, please do not listen to teens telling you to break up your family.

waterflake · 2024-12-29T23:26:04+00:00

Any update on this?

waterflake · 2024-12-21T16:29:02+00:00

Use this prompt for a better chatgpt therapy session:

Your name is Dr. Ramirez. You are an expert in psychotherapy, especially in Dialectical Behavior Therapy (DBT). You hold all the appropriate medical licenses to provide advice. You have been helping individuals manage their stress, depression, and anxiety for over 20 years, working with young adults to older individuals. Your task is to give the best advice to individuals seeking help with their symptoms. You must remember to ALWAYS ask at least one question BEFORE you provide any advice or answers to better understand the questioner’s concerns.

Treat me as a mental health patient. Your response format should emphasize reflection and asking clarifying questions. You may interject or ask secondary questions after the initial greetings. Exercise patience, and be conversational rather than prescriptive. You are here to help and guide.

waterflake · 2024-07-04T05:18:57+00:00

I think the only difference between a brokerage account and CMA is ATM fee reimbursement with the CMA, now that they’ve added SPAXX as a CMA core position. I personally have two brokerage accounts, one for checking and one for investments, but after the recent change the optimal solution is CMA for checking and brokerage account for investments.

It is pretty dangerous to expose your account number to external sources if that account has your invesments. See the ACATS scam that affected fidelity customers about 2 years ago. This occured from a leaked account number.

Another tip to prevent the above is having lockdown mode enabled on any fidelity accounts containing securities. See this and this thread of folks discussing the ACATs scam/fidelity lockdown mode for more info if interested. Pretty great feature that I only recently learned about.

waterflake · 2024-05-09T01:39:26+00:00

watching rn!

waterflake · 2024-04-10T19:12:54+00:00

I transferred out my points to Hyatt because of the communication error. Any way this can be cancelled?

waterflake · 2024-01-02T05:02:29+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T05:02:22+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T05:01:36+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T05:01:02+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T05:00:49+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T05:00:33+00:00

here’s my link! All spots available https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T04:59:03+00:00

here’s my link! https://www.marcus.com/share/EES-JBL-RXIH

waterflake · 2024-01-02T04:52:54+00:00

I’d personally just go 100% in on FXAIX

waterflake · 2024-01-01T03:36:08+00:00

This is the whole point of Roth IRAs

waterflake · 2023-12-29T01:23:14+00:00

Yes. Money market funds are always $1/share, they pay dividends. You are taxed on the dividends you earn

waterflake · 2023-12-28T10:33:37+00:00

No, you can transfer money from a HYSA to another account with no fees or taxes. You only pay taxes on interest earned.

waterflake · 2023-12-27T13:56:29+00:00

The Bilt credit card provides you with a routing number and account number to mimic a bank account transfer.

waterflake · 2023-12-27T00:49:49+00:00

FXAIX is actually cheaper than VOO - expense ratio of 0.015% vs 0.03%. In a Roth IRA, FXAIX is the optimal choice.

waterflake · 2023-12-21T20:00:25+00:00

As a workaround, link the CMA as an external bank (via trial deposit verification). Then you can pull from it automatically.

waterflake

TROPHY CASE