Posts
Why keep maxing a 401k when taxable seems almost as good?
I’m in my mid-40s and already have a solid amount in my 401k, so I’ve been rethinking what to do going forward. I ran the numbers on two paths: keep maxing the 401k every year, or just put in enough to get my employer match and invest the rest in …
Advice for helping someone else's kid open a ROTH IRA
My partner's nephew's child (16F) recently started working as a hostess at a restaurant. I told her about ROTH IRA's a little while ago and about how to build wealth and such and she just texted me asking about opening one. Someone suggested SoFi to her but she wanted to …
Trump says Venezuela to give up to 50 million barrels of oil to U.S.
President Donald Trump said interim authorities in Venezuela will turn over between 30 million to 50 million barrels of oil to the United States. Trump said that the oil will be sold at market price, and the resultant “money will be controlled by me ... to ensure it is used …
Back door Roth IRA conversion question
I want to help my sister do a backdoor Roth IRA conversion to help start and fill up her Roth IRA for 2025. I’ve been contributing to my personal Roth since 2024 and was able to back fill 2023 due starting in Feb 2024. Similarly I want to do the …
Wash sale rule between different account types
I have brokerage account that has dividend paying stock. I want to sell the stock, pay capital gain on it and then buy the same stock almost immediately in my IRA account. Is this considered wash sale rule? I assume it is still legal. How does impact my IRA and …
Crypto, stocks or both and why?
I figured it’s time to start becoming serious about investing and I have been looking into the various options. I know that both have risks and that crypto is higher risk but also potentially higher reward. I guess people who have a lot invested have it spread over multiple things …
Supreme Court ruling on tariffs
If the court rules that tariffs are illegal, I'm sure the market will go up. But I'm worried about what happens after the initial pump. The president said that if the court goes against him he would crash the market "1929 style." What could he do to destroy the market …
CXMT- Chinese RAM IPO - How to buy pre-IPO
https://www.digitimes.com/news/a20260105PD207/cxmt-ymtc-demand-2026-2025.html I think this could be a very good buy if you can get shares before debut on the market, but is there absolutely any way to do it like we can do with companies here? To buy before it s released officialy on the market? I have a hunch …
Am I the only one who feels this market is so supercharged and the geopolitical situation is so unusual that it is time to get out?
Home with an injury and watching TV and switching between business and news. The stocks are so overheated, and there are so many risks both nationally and internationally that I keep being tempted to get out. Yes, I know about “catch a falling knife“ and “impossible to time the market“ …
$CPAY insider buy, anyone tracking this?
So, I just Came across an insider filing at $CPAY, and figured I’d throw it out here for discussion. So today January 6, 2026, Steven T. Stull a director at $CPAY reported an open market purchase of: 8,000 shares at Avg price of $315 it’s about $2.5M of his own …