Feel good for your part in this:

Sorry I went to your budget website. You are basically a real estate agent for cars. So congratulations on taking the worlds most useless and skillless profession, and somehow taking it one step further.

So to summarize:

v

You in good faith put people in cars who’s payments take up 8-15% of their gross income and feel good about going home at night? Jesus christ, how do you sleep at night? We drive a new GTI, but its only 3.3% of our gross and that seems like a lot for what is basically a luxury.

Tuxedo is also my regular attire.

Ha

This puts him down to Tier 2:

Here is how to hate Steph:

I think this is basically the point I was trying to make about brokerage accounts, namely that it depends on what you do with the money you get back now. If you reinvest it, then yes, it should be relatively neutral, if its just excess cash, then no it will not.

When you are young Roth is generally much better because you aren’t taxed on appreciation. Assuming 7% average returns over 40 years every $10k invested when you are in your twenties should be worth about $150k at retirement (1.07^40)*10k. In a Traditional IRA you are taxed on all $150k when it comes out (though not…

On the inverse of this, before declining the 401k make sure you can contribute to an IRA/Roth IRA. The Roth IRA is relatively late phase out, but traditional phases out at relatively low income levels. If you want to invest pre-tax it may very well be your only option.

I thought that phrase sounded familiar...

I still like the extra layer of security you can get out of Lastpass by using a Yubikey for 2-factor authentication. I even use the NFC layer on Android.

There is only one way to order a martini:

Oh, yes, that makes sense. As much as they may give lip service to the US, it really does not seem like its been much of a focus for them. If it were, they would have made a decent crossover by now.

How is being in the running for worlds largest automaker a sales slump? Or is that occurring because TM is losing sales? I haven’t spent much time looking at the numbers but something seems counterintuitive about this statement.

I agree, but I think if that is the rationale to be used then the draft picks should happen to all teams with players caught using them. That being said, I’m totally for that, they just need to change the rules if that is how they are going to do it.

In Colorado at least it can save you on sales tax. My last car I traded in (because I negotiated them to a price above KBB private party I was happy with), and had the pleasant benefit of discovering that you are only taxed on the difference between the trade in price and the new car price. Therefore the $16K on trade…

I have a pair of these under one of the many different branding's they sell them as.

I have a pair of these under one of the many different branding's they sell them as.