yeah thats true if all your investments are in retirement accounts, a big portion of my investments are in non-tax-advantaged accounts so i would not have that same luxury.

they’d have shifted, but it’d still be like 50/50.  i wouldnt want to be selling any stocks in that environment.  and to reallocate things closer to the big day, you’d have to take a tax hit by selling and rebuying.

only problem is when you’re retired you wont be able to selectively sell stocks or bonds.  if you retire tomorrow and on Monday the market crashes 30%, you’d love to have bonds on their own which you could use for your living expenses.

that ignores dividends. with dividends reinvested its 6.8% average annual returns, inflation adjusted since 1916.

well, one of the primary complaints of the women in the article was that they were getting hit too hard by the men, soo.....

im going to discuss co-ed soccer because soccer is what im most knowledgeable about. and i know im going to get railed for this.

if you secure your phone service IE with a pin so that nobody can tell the help line and impersonate you, then SMS-based 2fa is fine.

people must fart less than me. if i left the room every time i needed to fart, it would be super distracting for all involved. also i would never be able to fall asleep.

i wasnt actually asking you, it was a rhetorical question. there isnt anyone i can vote for satisfying that criteria.

look man. ideally every voter would spend the 1-10 hours it takes to be at least moderately well educated on the current candidates for current elections. but they dont, and it’s not a few voters who dont, its most voters.

im confused as to why you think people who live in a state thats mostly swampland should care about protecting the swampland? it’s not like they’re the inhabitants of the swampland, or that they depend on their swampland for sustenance or livelihood.  the swampland is mostly a big fucking annoyance to them i imagine.

well, im sure i prefer her to him, but seriously if she doesnt know anything about a topic, better to not take a stance on it.  they’re not wrong to criticize her for that.

planning your investment strategies around being able to cash in on a wave of repos if the market crashes is comically absurd. 

no the goal is to decide where to park your money while you’re saving for a larger purchase. 90% of the time if you park it in equities you’re going to have more money for the purchase than if you parked it in a savings account or bonds or money market or other low risk vehicles.

the problem is we never have the option to vote for candidates like this, because we never hear about them, because corporations pay for campaigns.  a candidate with a platform of limiting corporate power will never make it past local elections because theyll have zero funding.

sure, but that falls more under emergency fund, which is important and should be separate from your ‘saving to buy ____’ fund.

uh.... i like drinking as much as the next person, but this seems just like... i dont know, if you cant get through normal day-to-day activities without getting a buzz on, it’s time to get some help.

na, thick burgers are legit.  that being said, since my wife is vegetarian im a meat-eater for two (pretty sure thats how it works) so im always interested in new ways to prepare/eat meat.  *makes note to google “smash” as a cooking method.

yeah i know its mentioned but i think its really undersold here. if you’re flexible (ie saving for a boat), i’d probably just pop it in the stock market. if the market crashes you’re probably not going to be wanting to buy a boat anyways.

at least he’s finally moving out of his parents basement right