My company is a quasi-governmental organization headquartered in Washington D.C. that qualified for the loophole. It is now closed for new employees but those of us who were hired after the loophole closed can still opt out of SS, which I will continue to do. They pay 12% into my 401K before I do anything. If I opt…

Where are those Russian hackers when you need them? Oh....right.

Good advice. Thank you kflare!

I’m not losing thousands of dollars sticking money in an online savings account like I was in leveraged ETFs. I haven’t fled to mutual funds yet, but you have the right to be as condescending as you want since I freely admit that I fucking suck at investing.

Great advice and thank you! No worries about being condescending because I do suck at investing and freely admit it. I made wrong move after wrong move, and it wasn’t just with triple leveraged ETFs. I would go to Yahoo Finance every morning and check out the top 10 gainers and losers in the morning. Without even know…

I’ll try my best (thanks for the offer, by the way):

David,

Thank you for the great advice. I’ve been looking into low cost index funds but just don’t feel like putting in any money right now until there is a correction. I’m technically in the market since my company automatically puts 12% on top of my salary into a 401K plan which is a mixture of mutual funds. I figure that…

A crash is what I’m waiting for. I will then start to split up what I’m saving in a mixture of mutual funds and “high yielding” savings accounts. I’m guessing probably 85/15 if I want to retire by 55. Once I hit 7 figures, I’m out.

I got burned badly with Triple leveraged ETFs in 2014 (shorting natural gas during the polar vortex). I was right that natural gas went down, but the problem with triple leverage ETFs is that you have to be right AND it has to be within a specific time frame. They lose value over time due to high expenses so it…

I worked for the government for 12 years, which is where the pension comes from. During that time, I participated in a 457 plan at which I only have $22,000. I just started my 401K this year, which is just at $5,000.

I’m single and don’t have any kids. I have gotten to the point where my income is $3,000/month higher than what I’m spending. It’s beyond frustrating to see that even saving that amount leaves me a couple of decades away from retiring (I’m 36). This doesn’t include what I’m putting in a 401K, which I always look at as…

I think Trump has a better chance of learning how to make macaroni and cheese than learning any of this stuff.

The only good thing about 2016 is that it will end. What an awful year.

His answer to a question about abortion is mixed in with babblings about the 2nd amendment. Maybe someone from rural Wisconsin should be sitting next to him in order to interpret what they’re hearing from this inarticulate bastard.

They won’t be getting an abortion in the state that Trump is in. The state of Confusion.

I’ll take your word for it. I avoid looking at him like I avoid looking directly at the sun. I care about my pupils.

Unless he tweets about it, how are his followers going to know how he feels about hate crimes?

They don’t think. They’re Trump supporters.

Get Mexico to pay for it.