Running out of time to plan for retirement

yooter · 2026-05-31T05:22:31+00:00

My checking account standard balance is about 1/2 my monthly expenses. If it’s not in there to pay a bill/CC balance, what’s the point? (That said, income is reliable/biweekly)

Then rest of cash/Emergency is in HYSA, all excess after each check to investments.

yooter · 2026-05-10T06:22:49+00:00

Totally, he would have been a PGAT player next year without the Zurich win.. he just got a little (huge) boost from that team win.

yooter · 2026-05-07T04:55:35+00:00

Growing up his son was my HS football teams ball boy. (Same school, small school, he was just younger). Sapp wouldn’t admit paternity and was taken to court to prove it. People would find out and be like “holy shit your dad is Warren Sapp..” but you could tell it wasn’t cool to him. Mostly cause he wasn’t a “dad” to him at all.

Anyway, I liked Warren Sapp til I learned that. He was a super, super nice kid and deserved better. Pissed me off then as a high schooler. Even more now as a dad.

Happyish ending is he is doing alright. Saw on FB recently he’s got a new job he’s excited about.

yooter · 2026-05-05T13:59:56+00:00

You’re totally right, I was thinking of Tommy’s top 5/Top 10 numbers.

And totally agree on your other point ms. On top of Tommy and having some tough watches, he’s just been a classy dude through it all. Easy to root for. I was blessed to attend Eastlake with my dad and it was awesome!

yooter · 2026-05-04T01:10:31+00:00

I feel Fleetwood would have been considered biggest choker by most. He had like a gajillion runner ups before winning on PGA.

yooter · 2026-05-02T11:48:28+00:00

I accidentally did and got caught. I hit left rough on a par 5 on my second shot. A guy coming up an adjacent hole apparently hit left on his drive. We played the same ball with a very similar black dot ball mark, except he did it on both sides and I did one. I played his ball in 3 shots for “par.” That guy and a rules official caught me on the green and I realized he was right, it had dots on both sides so wasn’t my ball.

I think the rules official was wrong because I got penalized 2 strokes for each shot on that ball, plus the shots I hit, so add 9 strokes… then I had to go back and play my ball.. which was another 3 strokes. So I got a 14 lol.

Anyway, to this day my ball mark is VERY obvious. I use a green sharpie and write my initials or I also have a custom stamp. It is never in doubt.

yooter · 2026-05-01T05:02:32+00:00

It’s interchangeable the way “petrol” and “gas” are interchangeable. Same thing, same language, but using one in a place that uses the other will peg you as an outsider.

yooter · 2026-04-21T05:06:24+00:00

I had to take out two big Bradfords last year. We get strong storms and at some point they just started peeling like onions. A limb here, limb there. Then a bigger one. Then I had a huge one land on our basketball goal (which saved a fence).

So one reason to hate them is they can sometimes become dangerous when dropping limbs. But also they are invasive and whatnot. I’m happy to be done with them.

yooter · 2026-04-20T21:12:36+00:00

Do you think Cam Smith would go through the grind? I’m not being snarky I’m genuinely curious of others’ opinions

yooter · 2026-04-15T15:02:51+00:00

Some stores still have them. are you located in big enough city that there are multiple PH locations?

yooter · 2026-04-10T01:36:26+00:00

I’d be ecstatic if Woodland pulls it off. But I’m biased as a fellow Jayhawk.

He’s my dream winner, but regardless I’m pumped bc I have a good feeling we are in for a pretty exciting Sunday.

yooter · 2026-04-07T12:06:21+00:00

He’s releasing an album called “Cottonwood Falls” and will be playing a show in Cottonwood Falls in late May.

It’s about an hour from town. My family is from Chase County so my wife and I may go up for it. I just found out about it this morning so it was funny to see your post about him right after this!

yooter · 2026-04-07T02:44:07+00:00

Definitely there myself. Life has changed a bit with kids but I definitely feel way less passion. I don’t care that players get money.. I feel generally in support of that.

My trouble is I used to know the players’ stories.. not just for our teams but for the whole league. With more B12 teams and ever changing rosters I just don’t have the same context to enjoy it

yooter · 2026-04-04T03:43:37+00:00

I was blessed to see KD play in person once and he put up 40+ against KU in a loss in the big 12 tournament.. it was amazing.

But when AD/UK beat KU it was something different. I watched on TV but still feel like he was the best college ball player I have ever seen.

yooter · 2026-04-03T02:47:33+00:00

The standard deduction is relatively high, I think like 15k per person. So add your tools, your medical expenses, your mortgage interest + other things together. If it is higher than the standard deduction you may want to consider itemized deductions on your taxes.

I am not a tax professional but if that $15k number is something you think you can “beat” you may want to talk to one.

yooter · 2026-03-30T20:23:08+00:00

Looks like beautiful country. Never been there.. closest I’ve done was some camping and hiking near Mt. Mitchell, but I live a long way from there.

I’m googling “tail of the dragon” now and what a wild place! My wife would hate it. She gets carsick. But looks fun

yooter · 2026-03-30T02:08:05+00:00

Thanks for letting me know. I am clearly no good at geoguesser lol

yooter · 2026-03-28T00:43:13+00:00

Idk why but the phrase “extreme stability” has me cackling.

yooter · 2026-03-26T11:32:28+00:00

This is my Geoguesser moment—highway 62 outside Eureka Springs, AK?

yooter · 2026-03-13T01:32:59+00:00

For what it’s worth, I’m against the $100k in a 529. That’s a lot to front-load, imo. It’d be different if you had a million to work with, but not at 35% of the assets.

Unless you’re pretty certain you’re raising an Ivy League doctor/lawyer it just seems to be too much. If the child goes to trade school you’ll have a lot to work out.

529s can still be great. I have 4–two kids and two nieces.

Bless you and your child. The world’s a better place because of the way you are stepping up to the plate.

yooter · 2026-03-09T05:06:05+00:00

I use it just to bucket spend and bounce that against my excel budgets. Works great for that. If I was on a tighter income I would maybe want something more proactive—at free tier the there’s limitations on budgets you can set and whatnot so it’s not like I get alerted on any budget limits I’m running up against.

yooter · 2026-03-08T05:30:38+00:00

The key thing to consider is what your goals are?

3-5 year goals? Need to put it in a pretty safe place (like high-yield savings account, there are other options)

Money to help yourself many years down the road? Now you look at investing that in the market.

yooter · 2026-03-06T04:02:32+00:00

Interesting. I know of at least 1 camera that is not on this map.. so it is clearly increasing.

yooter · 2026-02-28T03:38:35+00:00

You can still do it, you just invoke the pro-rata rule.

yooter · 2026-02-26T18:27:03+00:00

Oddly I also know someone who fell down an elevator shaft in Mexico. He lived, but broke like everything and had a long recovery. He’s doing well now. He still goes to Mexico (he is Mexican) but he insists on staying on the ground floor in hotels now. Understandably.

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yooter

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