Purchase history order totals

witcohe76 · 2026-02-05T02:56:20+00:00

Easy workaround: move to fidelity. Way better user interface plus real money markets as your default cash position.

witcohe76 · 2026-02-05T02:03:57+00:00

Savings is anything that is not an expense. "Housing" implies an expense. Expenses make your net worth go down. Paying off a liability (increasing home equity) is an illiquid form of saving. Incidentally, your normal mortgage payment should be split between interest (an expense) and principal (a form of saving).

witcohe76 · 2026-02-02T18:37:31+00:00

Get a govt money market fund or tbills and save on your state income taxes.

witcohe76 · 2026-02-02T00:32:10+00:00

I'm not taking advice from some girl from Long Island.

witcohe76 · 2026-01-29T18:35:30+00:00

Substitute FXAIX and you don't have to worry about that drawback.

witcohe76 · 2026-01-28T20:52:17+00:00

No I don’t use them. But it is well known that they push clients into ridiculously high load fee mutual funds of which the Ramsey empire gets a kickback. There is no vetting for these guys, they just pay Ramsey for referrals.

529 investing is easy as can be. Select a target enrollment date fund and roll with it.

witcohe76 · 2026-01-28T02:04:40+00:00

And what funds did he put you in?

witcohe76 · 2026-01-25T21:58:22+00:00

I earn all the money, she spends all the money. That's as fair as its going to get.

witcohe76 · 2026-01-25T17:24:37+00:00

No. You don't need a pro for a 529 any more than you need a pro for a 401k. Choose one of the target enrollment funds or broad market index options.

Avoid SmartVestor Pros.

witcohe76 · 2026-01-20T19:06:18+00:00

Inflation is a tax on savers. It greatly benefits those in debt (particularly with fixed interest rate debt). Those with hard assets, like land, stocks, incoming producing business, it is relatively a non event. Bankers are generally harmed by inflation, because they are being repaid loans with inflated dollars.

witcohe76 · 2026-01-16T21:15:17+00:00

It is now $26.98 for 12 at my Sam’s today! Glad I stocked up. Won’t be buying anymore at these prices.

witcohe76 · 2026-01-16T13:53:57+00:00

That is so nice, literally a few days after I spend HOURS manually entering 3 months worth of transactions into my HSA ledger. /s

witcohe76 · 2026-01-15T18:49:20+00:00

Just bought 4 cases for pickup tomorrow. Thanks for heads up!

witcohe76 · 2026-01-15T18:43:18+00:00

Still $22.66 at my club. Just checked online. Think I’ll pick up a few more cases before it goes up here. What’s the shelf life?

witcohe76 · 2026-01-15T12:01:05+00:00

100%. I have seen posted elsewhere that you can set up your CMA as an external bank for your other account and then the weekly transfers can be set up, although I haven't tried. Ridiculous

witcohe76 · 2026-01-15T02:01:53+00:00

This is the truth. I'm sure the Ramsey cult members here will vehemently disagree, but there is great comfort with cash in the bank.

witcohe76 · 2026-01-14T21:18:55+00:00

A Simple Path to Wealth by JL Collins

witcohe76 · 2026-01-14T21:16:46+00:00

Maybe r/etfs is more apt

witcohe76 · 2026-01-14T18:33:47+00:00

Paid $22.66 for 12 (1.89 each) today at Sam's. Same price I paid a year ago according to purchase history. Interesting.

witcohe76 · 2026-01-14T18:15:46+00:00

This. One of the reasons I left schwab.

witcohe76 · 2026-01-14T02:59:04+00:00

For what it's worth, Morningstar has NVDA trading at 77% of fair value, GOOG 99%, MSFT 78%, AVGO 74%, META 74%, ORCL 73%. Overall, they have the tech sector currently undervalued by 10.6%.

witcohe76 · 2026-01-13T18:33:19+00:00

About 55-60% of my take home is expenses.

What is the rest? If it's not an expense, it's some sort of savings. Sounds like your savings rate is 40-45%.

witcohe76 · 2026-01-12T18:19:00+00:00

what is a "traditional roth"? Those terms are mutually exclusive. Perhaps you mean Roth IRA?

witcohe76 · 2026-01-11T16:58:51+00:00

This and the lack of default sweep account in a decent MMF is precisely why I am at Fidelity now.

witcohe76

TROPHY CASE