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    antwar66
    antwar66
    antwar66
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    No, your tax rate is not 50%/85%. I think I can explain this, but as you get closer to retirement, you’ll want to check with the SSA office to verify it’s all right. (I’m pretty sure my example here is correct, but IANASocialSecurityL)

    I had a CPA tell me three years, and if they go back more than that you are in much bigger trouble that having the documents won’t really help you. Since the IRS will typically only go back more than three years when they find evidence of fraud.

    I pretty much agree. I plan on using the roth ladder in early-retirement to lock in more tax savings as well.

    This crap gets confusing, I think you conflated two five year rules that are quite different. (But I could be wrong here instead) The first rule, is that when you START contributing to any ROTH, you must wait 5 years. If you open one at Fidelity, then one at Vanguard 6 years later. The Vanguard one still falls until…

    I bet they debated even adding that clause too...

    Nope, it’s not. But I’ll run with your analogy in reverse. Anyone can create a website, with “Hello world”, no content, nothing unique about it. You introduce scarcity, and allow people to have a slice of “ownership” in your “Hello World” page, but only 1000 people. Oh no! So, they bought into your “website” that does…

    Another article said the doctors expect him to experience orgasms in the future.

    “ But why bother with something like that when you can literally create a non-tangible item and convince people it’s worth something because I only made so much “... and published the recipe, so you can make your own to convince someone it’s worth something.

    I think the main thing they have against them, is that you can create your own in minutes. That fact alone, to me at least, shows how worthless they are.

    Yep, the flight attendant will see that you have a lap infant, and make sure you are in a row with the extra mask, or they will reseat you.

    When I saw the SWA1380 pictures, I had the thought that if it was a parent next to a blown out window like that, the baby would be just gone.... terrifying.

    And then you keep going to the over crossover points. When your gains in a year exceed your “ramen” living expenses, and then your normal living expenses. That’s the point where you can consider leaving work.

    My 2¢...

    Also, paradoxically if you are a “safe” gun owner, and keep in unloaded, locked, and separated from the ammo. Then the chance of you using it to stop an intruder are ~0%. (Hold on mister, while I unlock this gun and then go find the ammo). So basically anyone that claims they have a gun for protection, is almost…

    “The Opposite of Spoiled” does a great walk through of the concept.

    “I recently read an article that proclaimed the best minimalist workspace was one that didn’t even include a desk, paper or computer—ideally you’d just sit on the ground and think” You missed the point of that article. Leo was saying you need to understand your minimum requirements, and you should stick with just…

    You can, just realize there is nothing behind it other than the placebo effect.

    You can still invest in something like Vanguard ETFs a little at a time. Something like VTI (which is a slice of EVERY stock). That is “safer” than picking individual stocks. VTI is essentially betting that the entire US economy will keep doing well. Instead of picking and choosing winning stocks individually, which…