Posts
401k vs taxable accounts .
Hot take: long term taxable brokerage accounts are underrated compared to Roths and maxing out a 401k beyond the match is overrated. The tax benefits are real, but flexibility is massively undervalued. Life doesn’t wait until 59.5. Having access to capital without penalties matters for houses, businesses, emergencies, or opportunities. …
AMEX worried about CapitalOne buying the Discover network
CapitalOne begins moving Discover business cards over to the CapitalOne banking and credit card app on Monday. To be clear, ever since CapitalOne acquired Discover, AMEX has been sending out a massive number of invites to bolster the number of AMEX cards out there. They themselves are very concerned that …
401k money should be able to be taken out penalty free
401k money should be able to be taken out whenever someone wants, penalty free Why can the government dictate when I can pull out MY money? I earned it. I worked for it. It’s literally part of my compensation. Yet if I need it before some arbitrary age, I get …
The British FTSE100 will outperform the S&P500 untill the end of Trump
JPMorgan, Goldman Sachs and the likes incorrectly estimated that the S&P500 would beat the FTSE100 in 2025, I believe the same fundamental's that caused this will still exist in 2026. 1. Value Matters British Stocks have a lower average P/E ratio versus the S&P500s, with an average P/E of 17 …
2025 and 2026 backdoor Roth - is this correct?
I contributed $7000 to my Roth IRA in January 2025. I opened a traditional IRA with a $0 balance on 1/4/26. I recharacterized that $7000 to a traditional IRA 1/10/26. This included all gains since January 2025. I did the backdoor Roth conversion and the entire balance went into my …
Help with cash in savings account
Hello, I have two separate traditional IRA’s, a Roth IRA, and my 401K through my company. I also have $30,000 in a standard savings account for cash emergencies. My question is, if I’d like to take out $10-$15K from savings… where should I put it? I’d like it to be …
The bubble has solidified.
Before anything: I believe that AI is currently a bubble. Despite it growing in use day after day, it still isn't a full replaceable tool for most tasks. It feels intelligent, but it is still clunky and unreliable for a lot of things. I'm not pretending to understand more than …
When Gold Rips: Rethinking “Safe” Assets (S&P500 vs Gold vs Real Estate)
Imagine you have $100,000 in 2013 and you need to decide what to invest in. Here are a few options: \- A 1-bedroom condo in a Boston suburb, which was priced around $110,000 is now close to $350,000 in value, resulting in a 3.18x return (or approximately $318,000 after normalization). …
Micron vs ASML, what are your thoughts?
Pretty straightforward question. I am torned about one of the two. I am a huge believer of the AI bubble, and that it will eventually pop, therefore I decided that I am in for a short ride (because you might as well take benefit from this hype until it lasts), …
Market manipulation. Maybe I'm paranoid but its like someone knows exactly when I sell or buy ...
So, if I'm selling 20 shares or a little bit more, (and the market is on the verge of crashing), suddenly after I sold, that stock is going up lol. Its similar when I buy, when everything looks ok and stable and I buy 20-30 shares, then after I bought, …