Zack R

@CSURamT Not to nit pick but I’m pretty sure you can’t have both HSA and FSA

Did my taxes this weekend. Nothing like being middle class w/ 2 dependents, own a home, max out 401K, HSA & FSA contributions, and don't claim any deductions in my paycheck, but still owe $6K... The new Trump tax plan seems to cost me more every year.

@KC_Crypto_J @RobKuhn_ I think The Pitt is far and away the best medical drama I’ve ever seen. Cant recommend enough

@RobKuhn_ Yep, severance is great. The Pitt is on hbo. It’s like ER. I’m not a fan of medical shows but the Pitt is definitely worth the watch. They are about 3/4 through the second season.

Can someone recommend a S tier show? Recent shows i've finished: Billions Power book forge Fall out Pluribus Tulsa king

@DeanTTraining It’s so true. I’ve gone from 247 to 203 since July of last year. I was actually pretty realistic compared to normies, but I still thought I’d be “lean” at 180-185. Now that I’m on the journey, I think I’ll look okay at those weights, but true leanness won’t be until 155-160

This is Hunter Hobbs He is 5’ 10” He dropped from 202 lbs to 160 lbs in 90 days The average guy is an inch shorter and has less muscle than Hobbs does Thus, if the average guy were to diet down to ~12% BF over the next 3, 6, 9, 12 months…he’d need to get to <160 Maybe <150

@GoobGawd @MikeMcDonald89 3 and 4 are absolutely fantastic

@ZackRyan304 @MikeMcDonald89 And I stopped towards the end of season 2.

I'm 20 years late, but I finished watching Six Feet Under yesterday and think it's one of the best shows I've ever seen. #2 behind the wire for me and pretty far ahead of everything else

@MikeMcDonald89 @GoobGawd I’ve heard that before. I’ve only watched the show once. Interesting that you like it better than five. I hated what they did beginning of the season, but I thought the last few episodes wrapped up very well.

@ZackRyan304 @GoobGawd Each rewatch I like 2 more. Still 2nd worst but I like it much more than 5

@GoobGawd @MikeMcDonald89 My opinion of the wire. Season 1 is good. Season 2 is quite bad. Seasons 3 and 4 are two of the best seasons of tv I’ve ever seen. Season 5 starts poorly but ends very strong. Great show, but S2 really hurts it in GOAT discussions for me

@MikeMcDonald89 I couldn't get through The Wire. Found it boring and too slow. Maybe I should try again.

@SCHDaccumulator You always have access to the principal of your Roth contributions with no tax or penalty

Why would I max out my retirement accounts as a 29 year old? AI will take a lot of jobs over the next 30 years, I’d rather prioritize investing in my taxable account so I can access my cash flow immediately in the case of losing my job.

@cevangelista413 Chris I completely agree with you that this administration is a joke, but on this singular issue I disagree with you. FBI agents getting specialized training from pro fighters actually makes a ton of sense. I think this should be a regular thing for all LEO

Just the stupidest time to be alive. Absolute clown show of a timeline. Dunce caps for everyone.

@thinkingpoker @catehall Good observations. I liked Rogan 7-10 years ago before he took a hard right turn because I had a lot of overlapping interests with him (mma/bjj, health), and he would have on mostly reasonable or interesting people, but I never lauded him for his academic or political rigor lol

@catehall Agreed, I don't think read Robert's tweet as directed at Rogan, though. I think it's directed at the millions who look to him as a credible source, careful thinker, or intellectual role model. When the people you follow fail spectacularly, you need to reconsider not just...

I really don't care why people who voted for Trump voted for him in the first place, I'm just glad they are changing their minds. You are welcome among the ranks of people who care about freedom, justice and truth! The rest of you can join us anytime!

@__MrZzz__ @ramit Mr Zzz, do you realize that the graph you’re sharing represents an average rate of inflation of around 3%, which, give or take a little, is a level that most economists agree is optimal for society. Yes there have been times inflation was too high, but it’s mostly healthy

@ramit You are too cute.

Ramit’s Rule of Large Numbers: Whenever you write a large number projected decades in the future, multiple people will comment, “What about inflation??” Even if you explicitly account for inflation. It’s an automatic response that people cannot control.

@lady_valor_07 Figure out how much you value investing in your future vs having life experiences now. You probably shouldn’t be at one extreme or the other, but everybody values these things a little differently. Allocate your money in a way to minimize future regret

I’m 25. Give me oddly specific life tips. No general ”surround yourself with positive people” tips. I want the most random, specific advice possible.

@Super_Sodiq I love Joe and DC but they need to work on their math skills. You’re correct of course, I think it should have been 28-27 Xiao. That commentary was so frustrating 😂

Am I missing something? Why are they saying he cant win? -2 points would be 28-27 right?

@DadisFIRE @ramit I’m still trying to wrap my mind around it myself. There are so many people in their 40’s-70’s who have low to mid 7 figure net worths and will easily pay over a million dollars to some dude or firm, for what? Monte Carlo sims? Rebalancing? It’s lunacy

@DadisFIRE @ramit Idk Ramit’s pricing, but this seems like a false equivalency. If someone has a low net worth, or a negative net worth, then almost anything he charges is gonna be >1%! But a retiree with $5mil paying 1% is paying $50K a year and is not getting anywhere close to that value

I hate 1% AUM fees, whole life insurance fees, sales loads, realtor commissions, and hidden fees What I love: being wealthy enough to happily pay my taxes — which help the poor & middle class — tipping generously, and paying people well for their service

@GhostYesufu @ColesTrades @gdmtalkss Came here to say exactly this

@ColesTrades @gdmtalkss You should be more risky in your Roth. if you were going to do a single risky stock, all gains are 100% tax free. Index funds make more sense in your taxable. Maybe I misunderstood you, but you probably shouldn’t be giving financial advice if you don’t understand this.

If your under the age of 25… BUY STOCKS NOT INDEX FUNDS!

@RealKidPoker Are they scoring higher because they’re homeschooled, or because the types of kids with parents who are capable of homeschooling have tons of social and economic advantages? I bet kids in public schools who come from 2 parent households who make above median income also do well

Interesting…

@BoomerDivvies Would need more info. Is that 1 income or 2? How much are the careers enjoyed? What are their fixed costs and how expensive is their region? In general they’re doing great and have a lot of options, they can scale down and enjoy life more if they want

Curious what people would do here. You’re 45. House paid off. $2M invested. Married with 12 y/o twins $200k household income Do you: - Keep aggressively investing - Start upgrading lifestyle - Work less and enjoy life more What would you actually do?

@RokoMijic @tomieinlove What a great breakdown of DMU of money, one of my favorite concepts in PF 😀

It works because people have diminishing marginal utility in money. Say there are 100 people and each of them makes $100k per year. Then one of them breaks their back and can never work again and gets $0/year. The total income is 9,900,000. What if instead they all got insured, and paid 1% of their money in and it only pays out if they are injured. Now everyone gets $99k per year, including the one who broke their back. The total amount of income is the same. But it's spread out more evenly. Having a certainty of $99k is better than usually having 100k but also suffering a 1% chance of having $0. Why is that? Well, the utility of the first $1k of income you get is WAY more than the utility of the 100th $1k. So whenever there is a risk of something really bad happening, it makes sense to pool money and only pay out to the small numbers of people who actually suffer the risk.

What exactly is the point of buying insurance? Obviously, I’m going to pay more money than I get back, because otherwise the insurance company wouldn’t turn a profit. But for some reason everyone does it?

@wbahazz @BenSatterthwai2 Actually, unless it’s a super strong beer, it will have a net hydrating effect, just not nearly as much as other hydrating fluids. Same thing with caffeine drinks, unless you’re drinking espresso or like 5 hour energy, there’s a net hydration

@BenSatterthwai2 It dehydrates you massively

Unless your getting hammered or celebrating an occasion, drinking is such a pointless sport. Baffles me why people come home and have a pint or a glass of wine on a weekday. Just makes you feel like shit and you need a lot to feel the effects properly.

@burrrrrberry What is the most time efficient way you have found to procure the best rate when considering a switch?

Every 5 years or so, I switch my car insurance, and so should you. For the exact same coverage on the same vehicle, I was able to lower my yearly cost by $800 I switched from Geico to Liberty Mutual. These are the 2 I ping pong back and forth with. Don't let these insurance companies scam you. Keep moving and keep costs as low as they can and should be 🫡