I eat several pot pies a week. They used to be Marie Calendars until I tried Boston Market’s. The crust is super flaky. So good.

Agree with $15 Porto being excellent for cooking. My only problem with it is I would never drink the stuff. I’ve taken to using an inert gas to extend the shelf life after opening (Private Preserve). Works great on regular wines, too. Now my mouth is watering thinking about Porto pot roast.

Why not simply tell them your past salary gives them an upperhand in negotiations? Followed by: “I try to be intelligent in everything I do even if it’s not my main area of expertise.” Any followup on their part makes it sound like they want to hire morons.

A 10% savings rate at 7.5% annual returns will get you to a million in 40 years. A 10% savings rate hasn’t happened since the early eighties. It’s been less than 6% for the last couple decades. A generous 6% savings rate at 7.5% annual returns nets $600k in 40 years. 4% of that is $24k. Supplemented with Social…

Most people in the US will make less than $40k annually in retirement.

TL;DR: An extra $100 a month is more important if you earn $2000 a month than it is if you earn $4000 a month.

If you’re making large contributions to your 401k and IRA, you could be better off mixing (this falls under your nest egg out-earning your current income).

After I discovered the MEGA Backdoor Roth, I didn’t need the Roth 401k’s effective higher contribution limit. I contributed $58, 500 in tax-advantaged accounts last year. Some unfortunate wrinkles to this approach, so it’s not possible/advisable for everyone.

Traditional > Roth

Democrat is intended as an insult when Democratic is the correct word. Pretty effective insult given how twisted your panties are.