Lurker > BignutzisBack

VTSAX is looking promising

The market is close to hitting an all time high

Hearing bullish things about VTSAX

How to retire?

No lol

COD is worse, Madden has gotten a sliver better the past 2 years but still leagues below 2011 and earlier

I wouldn't blame anybody preferring SO2, it was a 10/10 even before the incredible remake

A turn-based game is about to win game of the year lol

Tyranthraxus posted...

The game is intended to be played by first graders. You can play it too if you want, but it's made for accessibility with first graders.

I played the original game in first grade just fine like everyone else lol, it's already an extremely easy game.

The fact that they thought they needed to add an easy mode is hilarious, who is it for people in a coma?

Japanese cars have been shitting on American for decades now, no reason to really get one.

Nope, Xenogears

They fleshed the duck out if the character dialogue from the original, one of the best remakes ever

They finally ran out of the MarioKart non Oled bundles lol

Something that isn't real time, need it so we can take a few minutes to take our turn when we are free

Pics

I love rotisserie chicken, I actually picked one up this weekend. That being said nothing on Earth can stand up to a cheeseburger

P365X for sure

How many teeth do you need replaced?

Yes

I can't remember the last time I have, I've bought many used games but they always seem to be at least a generation old

CE_gonna_CE posted...

As someone who has only been maxing out contribs the last 3 years, I can say I 100% agree with TC on all this, and wish I wouldve been seriously taking advantage of the account way sooner. Ive missed out on multiple years of compound growth.

A big part of generating wealth is learning how to strategically minimize tax burden. As TC has mentioned, this is the only account allowable by the IRS that has the potential to be 100% tax free.

One strategy to use with the account is to pay for expenses in earlier years out-of-pocket, but save receipts. There is no time limit restricting how far back you can submit for reimbursements. So hypothetically, you could use a 10 year old receipt to cash in on the balance at a later date. Thats essentially what Ive been doing, paying expenses OOP and hoarding receipts, but I havent had the need yet to cash in. Id rather just let the account sit and grow over time if possible.

Knowing Ive got this side nest egg building up gives me a bit of comfort, knowing itll be an additional source of funds to tap into after I retire to use for medical expenses at that point.

If people want to hate on these thats all well and good, but knowing what I know about taxes and whatnot the benefits of the account simply just far outweigh the negatives.

You put it very well, a lot less confrontational than I did

I have the same regret, in my 20s I had no idea how powerful it could really be, missed out on so much money. Hell I didn't even realize that it could be used on dental and vision expenses for the longest time!

Prismsblade posted...

I started one on my last open enrollment. Sucks its only limited to the high deductible plan though.

Definitely, the dream would be to allow everyone to utilize one maybe like a Roth IRA where you can contribute the max as long as you at least earn that amount in income over the year.

ironman2009 posted...

Yep. Everything after $1k in my HSA gets invested. It's pretty great.

Same here my HealthEquity HSA requires the $1,000 minimum, everything after that is immediately invested

[LFAQs-redacted-quote]


Umm no lol, you don't pay taxes on medical expenses, notice I didn't put the words "on anything" in that paragraph you just decided to insert it yourself.

If you guys want to attack me for not going in depth enough in the initial post, call me a douche for how I'm presenting the information, that is absolutely fine I will wear it. That being said I'd bet my next 10 paychecks that not a single person here who disagrees with it being the best retirement vehicle will be able to prove why not.

lilORANG posted...

Hsa is not a retirement plan lol.

This is exactly why I made this topic, lilORANG is probably a lost cause but I want other people to see through the wave of misinformation from people who don't know what they're talking about.

1337toothbrush posted...

You said it's the best retirement plan and then didn't explain on how it can actually be used as a retirement plan.

The day you turn 65 you can use the HSA on anything. There's of course a catch, the amount you withdraw will be taxed as ordinary income like the other retirement accounts I listed in the top title.

However an HSA doesn't force you to take required minimum distributions at a certain age like other retirement accounts. That means it has every single benefit as the other retirement plans, you aren't forced to funds from it unless you want to so you can continue to maximize compound interest, and it completely crushes every other retirement account when paying for actual medical expenses which we all know old people have a lot of.

In conclusion HSA is the best retirement program

1337toothbrush posted...

This is literally the most important part if you want to use it as a retirement fund. If you won't elaborate then it's useless outside of medical expenses.

I'm not sure I follow, just because I haven't spoken on it in depth yet doesn't mean HSA's magically stop letting you use them for non-medical expenses during retirement. I will go into more depth on the that portion during my next Ted talk, you can't skip ahead you need to start from the beginning!

It is the only triple tax advantaged retirement account you can have no matter how much or little money you make. Contributions are pre-tax, all gains and dividend payments are tax-free, as well as spending the money being tax-free.

You can also supercharge your HSA, and only 9% of people with an HSA are doing this: investing your HSA into the stock market. Some allow you to invest every penny, some require a minimum balance before you can invest, and unfortunately a few don't allow it at all.

Now you need a high deductible health plan in order to have an HSA so not everyone can have one. You will hear people tell you that it's not that great because you can only use it on medical expenses, but think about how many medical expenses you're going to have in retirement!

There is also a way once you are retired to use built up HSA money on non-medical expenses, but that's a whole conversation for another time.

Thank you for coming to my TED talk

cjsdowg posted...

GREAT JOb!!!

Thank you but I am going to try and slow down as my diet wasn't healthy, I went to an extreme calorie deficit to the point where I was shaky and extremely moody. Going to try to play this smarter the rest of the journey

Down 23 pounds since September 1st, looking to lose 10 more to hit my ideal weight

Fluttershy posted...

I don't get this part, other than making your party overleved on the first half of the game.

the power of crime.

Demo is free and it's on like every platform.

i try to avoid as much information as i can on stuff i actually want to check out. i was just afraid they might gut some things.

As someone who played through the original multiple times they didn't cut a damn thing, added a bunch of stuff that all makes sense, accessibility, completionist, new challenges. I wish every remake was given this much care

The new optional bosses are hard af

I haven't had either for many years

#notallbaldmen

It is selfish but if you're passing on multi-million dollar inheritances it does soften my view a bit

I refuse to believe this, there has to be some kind of mistake

Never forget that, their debt is your debt. Secret gambling problem, you're both financially ruined, shopping addiction putting you into debt, you're both financially ruined, so on and so forth.

Thank you for coming to my TED talk

He's doing pretty good

Most Mario games aren't that difficult, but this one you could almost complete half asleep

The narrator always cracked me up, I wish I had someone gassing me up as much as he did bastion

DementedDurian posted...

I'M RIGHT HERE!!!

Marked

Man this topic is going very well

Sup fellas

Earthbound has the most hilarious anti piracy measures in gaming history

I hear it's the only souls inspired game to live up to the genre

He is Enoch reincarnated

Are you eventually going to get implants?

No docking would be a massive mistake, therefore I believe the leak

BurmesePenguin posted...

That's called being a normie.

No no no no no