PillBugTheGreat

@PillBugTheGreat@lemmy.world

• ⁨Comment⁩ on ⁨Should I withdraw/stop putting into my 401k?⁩ ⁨⁨2⁩ ⁨days⁩ ago⁩:

  Reflect on what each tool does. They soak up today dollars to be spent tommorow. Delayed consumption for future benefit assuming your investments are fruitful and inflation doesn’t outpace your gains.

  So A) do you want to lock up your money until you are at retirement age? What consumption are you sacrificing today for the benefit tomorrow? What investments are you displacing by these stock only options.

  B) when you pull money out of the traditional, it counts as income and will be taxed. Part of retirement is managing your income streams to take out as much as you need/want with as little tax impact as possible. Some retirees get social security and even though they have bank, they don’t pull much from their savings.

  Is it a significant impact, probably not. But it is a future risk to delay the tax. Who knows what the tax code will be? I mean, look at how the taxes are proposed to change next year. If you have an income of less than like 360k, your taxes will increase. How many retirees are pulling more than 360k per year? They just got future fucked on their tax deferment.

• ⁨Comment⁩ on ⁨Should I withdraw/stop putting into my 401k?⁩ ⁨⁨2⁩ ⁨days⁩ ago⁩:

  Tithe to yourself either before or after taxes, the church set 10% for a reason, that is the fluff that you can give before it starts to bother.

  Always maximize your matches.

  If you are in a lower tax bracket now than you would be when you retire, put it into a roth. If a high bracket today than tomorrow, put it into a traditional.

  High risk when you’re younger. You can try to time market ups and downs, but unless you leg back in after you’ve pulled out, you are VERY likely to miss the upswings.

  If you have enough to personally invest, either swing for the fences with 0dte or invest in products you use. You probably aren’t wrong.

  And rememberz that fiest option win is free. Post your loss porn to wsb.

• ⁨Comment⁩ on ⁨3's grip looks the most comfy⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  #5, but you tear off the clip. EVERY TIME.

• ⁨Comment⁩ on ⁨No need to use my full name⁩ ⁨⁨3⁩ ⁨weeks⁩ ago⁩:

  Which was then synced to the moog moduler

• ⁨Comment⁩ on ⁨Megaladon't⁩ ⁨⁨2⁩ ⁨months⁩ ago⁩:

  I kinda got into dinosaurs as a kid. Today, there are so many different collections of dinosaurs in various encyclopedias. My favorite from the new books is Micropachycephalosauarus. Just the idea that a little dino, like tini little guy, was running around headbutting things cracks me up.

• ⁨Comment⁩ on ⁨TFW you see the toilet paper after the first wipe when your haemorrhoids flare up badly⁩ ⁨⁨2⁩ ⁨months⁩ ago⁩:

  Agree, but bidet dont trump ibs/flair ups. Them roids gotta pop or be absorbed.

  Up that fiber. Eat tree bark for maximum prevention.

• ⁨Comment⁩ on ⁨Prove you're not a robot⁩ ⁨⁨2⁩ ⁨months⁩ ago⁩:

  Next version, reduce this to the overall I-V-I progression, show all level steps between localized and global progressions.

• ⁨Comment⁩ on ⁨Like a boss⁩ ⁨⁨3⁩ ⁨months⁩ ago⁩:

  What is that, a bassoon for ants.

  In other news, Too Many Zooz enters the chat.