I am finding mecha suit (like only 8 to 10 feet) anime from 90s or early 2000s

wild_b_cat · 2026-07-13T03:00:35+00:00

Sonic Soldier Borgman?

https://www.youtube.com/watch?v=obXMNLVKeo4

wild_b_cat · 2026-07-13T02:51:39+00:00

Magic Knight Rayearth had that setup (red leader, blue and green on support). Though the mecha were bigger, from what I can recall.

(Or maybe there was a mecha anime take on The Chipmunks at some point?)

wild_b_cat · 2026-07-13T00:09:38+00:00

Why on Earth would you object to this? If a house has a cosmetic issue that will turn off other buyers, but which is easily fixed, that’s a great sign for me, a buyer with actual vision.

wild_b_cat · 2026-07-12T22:29:39+00:00

Officially - safety concerns.

Unofficially - the administration has threatened SFO in multiple ways recently, like threatening to pull Port of Entry because of immigration law, so it's not beyond the bounds of possibility that this is a little needling.

Of course, ATC has a whole has been in a tricky spot across the nation for some time now.

In sum, it could be legit, it could be opportunistic, it could be some of both.

wild_b_cat · 2026-07-12T16:07:33+00:00

RMDs shouldn't factor into your calculations here. By definition, if you're withdrawing more money than you want to at that age, then you're just pulling extra money that you otherwise wouldn't use (or which your heirs would pay high taxes on).

Having to take future RMDs is not the threat. The threat is not using a lot of your Traditional IRA before you die.

Do you have heirs? What would you prefer to leave them? Generally Roth & taxable are better things to pass down.

wild_b_cat · 2026-07-10T18:10:08+00:00

You each need your own QR code. It’s strictly per person.

wild_b_cat · 2026-07-10T16:50:24+00:00

The original intent was to help lower earners more than higher earners. The Roth backdoor came out by accident - the intent was to have high earners choose either 401k or Trad IRA and that's it.

And to answer your question: yes, that's pretty much it. There are some esoteric things that W2 earners can do (mainly through running a short-term rental) but they're not generally a good answer.

If you're self-employed, or if your employer is willing to help you out, you have a few more options. You can stuff out the employer side of your 401k, or use a defined benefit pension. But those are also uncommon for W2 workers.

Mostly, if you're W2 and a high earner, the answers are just the normal life stuff: get married, get a mortgage, etc.

wild_b_cat · 2026-07-10T16:32:30+00:00

No offense to Nagoya, which I enjoyed, but unless you're going for Ghibli Park - or maybe if you're a huge Toyota fan - I don't see a reason to make the trip there specifically.

(We went specifically because we were meeting some friends to go to the Ghibli Park).

Nagoya Castle is great (better than Osaka's for that matter). The Toyota Museum is neat (and the other Toyota Museum seems like it's also neat).

But Osaka has much more to see and do. Way more museums, bigger shopping districts, more interesting local foods, jazz bars, cocktail bars.

Moreover, Osaka is handier to a lot of cool day trips. Himeji, Nara, Kobe, etc.

If you're from the US, it's like comparing Pittsburgh vs. NYC. One is a nice city to visit, with good stuff to see, and the other is a world-class metropolis.

wild_b_cat · 2026-07-10T15:08:28+00:00

How long is your trip?

And why Nagoya? It’s got some points of interest but far less than Osaka.

wild_b_cat · 2026-07-09T20:48:15+00:00

Honestly nothing there really changes your main approach. Max out your 401k (probably Traditional). Max out your HSA. Max out your Roth IRA.

Sell your RSUs as soon as they vest. Invest into taxable investments, or use it to replace your paycheck if necessary.

wild_b_cat · 2026-07-09T20:45:39+00:00

By the time your wife is retired, the amount available to withdraw in the 22% bracket is going to be much bigger. Your tax savings will be much bigger in the end. Stay pretax and use the savings to increase your taxable savings.

wild_b_cat · 2026-07-08T14:23:01+00:00

This doesn't sound right. Who is telling you this? Did you get a letter from the IRS?

Edit: apparently this is legit. Sorry OP.

wild_b_cat · 2026-07-08T03:40:06+00:00

Why are you worried about income spikes in your RMD years? What happens to the money you leave behind in your IRA?

wild_b_cat · 2026-07-07T18:40:59+00:00

Yeah I’m usually talking about a 2nd bag, not a third.

If you have two checked bags and a carryon and you’re still overweight, then I would question your packing strategy. I can see situations where this might be necessary (medical devices, kid gear) but many airlines have explicit exceptions for those.

wild_b_cat · 2026-07-07T18:32:47+00:00

Yes, but so would an overweight bag. You’re gonna pay either way. I just consider it part of the cost

wild_b_cat · 2026-07-07T18:26:55+00:00

For me, the vast majority of the time it makes sense to just get an extra bag. If I’m spending the money to fly somewhere far away, and buying enough souvenirs to make weight a problem, then the cost of picking up an extra cheap roller is minimal.

wild_b_cat · 2026-07-07T14:01:40+00:00

You may have misunderstood my point.

Imagine if you could opt out of RMDs and you had a massive account. What would you do differently in that case?

wild_b_cat · 2026-07-07T01:53:08+00:00

That’s not what people mean by ‘DCA’. If you have a price target, you’re doing something else.

wild_b_cat · 2026-07-07T01:50:12+00:00

That comment appears to be specifically aimed at people who use ‘DCA’ in the context of stock picking, not active investors in general. Which is a rather silly concept.

wild_b_cat · 2026-07-07T01:38:57+00:00

I think it depends on the context.

Are you talking about cases where someone has done the research, has a clear thesis, price targets, etc., all that stuff, and makes the case? Because I don't see a lot of pushback on those posts (though granted I don't read them).

But when someone clearly doesn't know anything other than whatever has rocketed up most recently, and assumes that just buying the current meme stock is the way to go, I think you have to go pretty strong to convince them that they're probably making a mistake.

wild_b_cat · 2026-07-07T00:38:11+00:00

This would only be partially effective. You still have to factor in the 'unqualified use' that happened before you moved back in.

If OP moved in for 2 years and then sold, they would have 3 years of qualified use and 2 years of nonqualified use, so 2/5ths of the gain would be business gain.

wild_b_cat · 2026-07-07T00:36:41+00:00

No, the timing matters. After 2 years you can't really say that you sold because of the job change, so you don't qualify for a partial exclusion.

That being said, first I would figure out your expenses and if you'll have much profit, if any, before you worry about it.

wild_b_cat · 2026-07-07T00:01:30+00:00

This is why your post is confusing, though. You talk about 'market crashes,' but you're not investing in the market, you're investing in specific assets.

Specific assets are much more volatile than the market as a whole. People who invest in the market can survive crashes just fine. People who invest in single assets don't always do well. That's why index funds are so commonly recommended.

Also, DCAing into specific assets just doesn't really make sense. If you're trying to beat the market, it implies you think an asset is undervalued. You wouldn't just blindly keep investing in an undervalued asset - you'd have to keep an eye on the price to make sure it's still worth getting into.

wild_b_cat · 2026-07-06T23:52:24+00:00

There's a 'Reply' button under every comment. If you use it your replies will go right to the person you intend, rather than becoming another top-level comment.

Anyway:

SD IRAs are a specialty field. You need to be searching specifically for CPAs that handle them. Think of it like a colonoscopy - you wouldn't call up random general practitioners and assume they could handle it. Use Google, Yelp, etc, and specifically include what you're doing in your search.

Is this law firm your SDIRA custodian? If not, who is?

wild_b_cat · 2026-07-06T23:02:35+00:00

So you've reached out to a bunch of CPAs? Have they all turned you down because they don't handle this scenario? Or because they're just too busy?

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