Personal Investments • Why is Roth 401k not as preferred as backdoor Roth or...
I’ve already determined it will be painful to get contributions from my regular Roth IRA (seperate brokerage account funded by backdoors), as I have no tracking.Can you sit down and make a reasonable...
View ArticleInvesting - Theory, News & General • What does the Warren Buffett 90/10...
You could do VOO and XHLF. XHLF is treasuries with 6 month duration, basically it holds 0-1 year treasuries. Buffet favored 13 week to 26 week T-bills. As others have said, it was estate instructions...
View ArticlePersonal Finance (Not Investing) • My financial advisor says i can retire, do...
There is not enough information to give any useful reply.There is a suggested format for asking portfolio questions. It is only a guideline that you do not need to follow exactly but if you post your...
View ArticlePersonal Investments • Short-term reserve mix, in a high rate environment
I encourage you to learn more about TIPS prior to pursuing them as an investment. It is important that we have a clear understanding of what our investments can and cannot do, as well as the role they...
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Bogleheads Community and Local Chapters • Roll Call for the Retirement Class...
As of Jan 1 2027, I'll be retired at the age of 56.I gave my employer roughly two years notice. OK that's great! Welcome to the Retirement Roll Call and this Awesome Class of 2027! My main retirement...
View ArticleInvesting - Theory, News & General • PSA: bond market closed, stock...
One of those weird holidays when the bond market is closed but the stock market is open. I had forgotten this, so was surprised to see Oct 9 as the market update date and Oct 13 as the settlement date...
View ArticleInvesting - Theory, News & General • interest rates
It is more productive to come up with an investment plan that does not rely on you correctly guessing future interest rates.Statistics: Posted by Hyperchicken — Mon Oct 12, 2026 10:48 pm — Replies 5 —...
View ArticlePersonal Finance (Not Investing) • VG passkey label revision?
The current passkey implementation with keys that are stored in the cloud and in password managers and synchronized across devices is a "user friendly" implementation that seriously compromises...
View ArticlePersonal Finance (Not Investing) • Mom & Pop Housing Providers, 4 years...
I am seeing 4.9% annualized appreciation. Positive cash flow would be additive to appreciation.Liquidity is poor meaning the properties are illiquid. Leverage is not for everyone. I don’t see how you...
View ArticlePersonal Finance (Not Investing) • Wondering About Pros and Cons of...
Your motivation to use some of your financial resources to help address the housing crisis is admirable but I don’t see how this is the best approach. Instead of trying try to learn how to reinvent...
View ArticlePersonal Consumer Issues • Turning off vanguard security codes
I was setup to have no secure code and 3 Yubikey for 2FA. So I would login using password and use the yubikey button for 2FA.In the various post, it appears that if you re-register your key, it will...
View ArticlePersonal Consumer Issues • Bird watchers – what birds are you seeing?
Rounding a corner tonight, around 9:30 on a dark, sleepy neighborhood street, I'm pretty sure I saw a Barred Owl. Only pretty sure because it was kind of a ghostly sight, like an apparition or...
View ArticlePersonal Finance (Not Investing) • Will vs Trust
This is great to hear, and it would be great to see other states enact similar legislation, or otherwise require the acceptance of POAs that meet state legal standards. We recently experienced an...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
I think I'm going to transfer to Robinhood from Webull to get the bonus and give up on about 3 more payments on my existing bonus at Webull.Sounds like you started on WeBull much earlier than I did...
View ArticlePersonal Finance (Not Investing) • 46 y.o. - continue maxing tax advantaged...
I read the other thread (didn't search for it before). Looks like my guess of $250K spend/year (including taxes) is about right. I get you want permission to spend more. No problem, do it. Just...
View ArticlePersonal Investments • Question on International Equity: Market...
This is a good point, and it has been discussed in different forms before. The basic idea is to own the broad market as efficiently as possible.Some parts of the economy are not publicly traded and...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
I am very relaxed because interest and dividends provide 1.5X my annual living expenses before SS. I don't even pay much attention to my portfolio and still reinvest every month into the stock side...
View ArticlePersonal Investments • Need for Financial Planner with Fed employee experience
Many thanks for the additional info.Statistics: Posted by InvisibleAerobar — Sun Oct 11, 2026 11:49 pm — Replies 23 — Views 957
View ArticlePersonal Finance (Not Investing) • Simplifying
If you are retiring or at least terminating employment where your current 401k plan is from, absolutely fill up the Roth space, perhaps even do mega back door Roth. Roth is far preferable to taxable....
View ArticlePersonal Investments • $114K to be withdrawn in 2-3 years
If you know you will need the money in about two years, I think a 2-year U.S. Treasury or 2-year CD would be a good option. I wouldn't use a money market fund if I am fairly certain the money won't be...
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