Lurker > BeTheMan

https://www.opcw.org/news/article/opcw-will-deploy-fact-finding-mission-to-douma-syria/

Would be nice to let them do their thing before escalating matters further...but I guess we never learn.

On the plus side, Roman's perfectly positioned to put other wrestlers over if and when WWE allows him to get beat on (this only works for folks without Brock-level baggage, of course).

BlackMageJawa posted...

Do any decent mods work with just the base game, or do I need a small fortune's worth of DLC to get anything out of it these days?

The base game's solid enough and you can't beat free. Since most of the DLC's 50% off right now, you could grab a couple of the top ones (Way of Life, The Reaper's Due, and Charlemagne would be priorities, IMO) for a reasonable price.

paramore twitter boobs

Chrono Cross was the best JRPG released on the PlayStation. I enjoyed plenty from that era, but CC is the one I've replayed the most over the years.

Reg posted...

BeTheMan posted...

Namely, you gain flexibility in how you invest (there are more options available to you, for better or for worse)

This is the argument for maxing out an IRA before maxing out a 401k (But still not after the match, because as you said free money)

The big reason to save in retirement accounts is for the tax benefits, though. You're trading the flexibility in withdrawal timings for an additional 20+% return via the tax savings. As long as you have other savings squared away already, that's a pretty strong reason IMO.

There are still certain types of investments (like rental real estate) that can be more advantageous to invest in outside of a retirement account, and other, emerging asset classes that may not be available for investment at all (again, for better or for worse). And of course, there's no telling what the coming decades will bring, from a regulatory perspective or otherwise. I'd argue that the further away you are from retirement, the greater the likelihood that unknown factors will emerge, and just like we've seen with pension plans and social security, the actual long-term benefits of these retirement plans may not be as favorable as they currently appear to be. I'll admit to be a little bit of a control freak and a little more pessimistic than most, FWIW.

I'll offer up a bit of a counter-narrative here:

You should absolutely contribute to a retirement plan to the extent that your company is making matching contributions - it's free money. What you contribute beyond that point should depend on how disciplined you are at managing your finances. If you tend to spend whatever hits your bank account, then by all means go ahead and max out your contributions. If you're a saver, though, there's an argument to be made for just investing the cash on your own. Namely, you gain flexibility in how you invest (there are more options available to you, for better or for worse), and you retain the ability to access that cash at any time & for any reason without having to worry about withdrawal penalties.