Horseman

Get'em outta here!

WINNING

Yeah baby.

No. I want to dive into the deep thoughts that came up with the idea that if you pass 6 people on the street uglier than her that automatically makes her a 7. That type of brain function is fascinating to me. You're familiar with the bell curve, a normal distribution? The average in rating 1 to 10 would be 5. And there are a ton of 5s where 10s are rare. Do you see how that doesnt jive with your claim about passing 6 women on the street?

Two of the largest gains of the S&P in history were under Trump!!!!! Derp.

No. But its a bell curve. You don't rate someone a 10 because she's the hottest girl in Walmart. JFC.

Don't bother. You're a waste of time.

You dont know. You said it went up 2 months under Trump. March's numbers went down. Are your familiar with the Gregorian Calendar?

You've been completely wrong 3 times in a row now. Maybe take break.

All hyperventilating nonsense with this crew of effeminates. Jeebus.

Wait a few years ---> leader of the free world.

Link? Black Monday the market went down 22.6%. 2008 financial crisis was 54%. You're not smart.

That's March's number bud. How many months of Biden do you want to give Trump credit for? How about the past year where it's gone up an average of 0.2 per month? By all measures, so far it's early in this administration, prices have stopped growing and started inching downward.

Ceasars Entertainment lost a casino in Atlantic City during that time period. Ceasars. Boy was a chit company Ceasars is.

Says a guy who's more successful.

Yeah sure. Fun Fact: I didn't even have to Google to know you were full of chit. How many other Casinos went under in Atlantic City, you know just to put it in perspective. Lol.

Note: A caveat with regular 401k versus 401k Roth. Contributing to the Roth version is generally better earlier in your career when you are in a low tax bracket. If you are in your high earnings years (high tax bracket) it may be better to do regular 401k and wait to do the conversation after you retire - low income low tax bracket. Eventually it all becomes a tax avoidance problem to solve.

@The Psychic Observer I'll break it down for you. Hopefully you can take advantage and it helps you reach financial independence sooner. I'll even do it with the new 2025 limits. The amounts in parenthesis are catch up if over 50, for HSA it's 55. #1 Your 401k contribution can go into a Roth account, it just gets taxed before it gets taken out of your paycheck unlike regular 401k. You just have to make that selection with your employer. It's usually called 401k Roth. $23,500 (+7,500). #2 The total 401k contribution limit is $70,000 (+7,500). People normally think of anything above $23,500 as employer contributions or matches. But that's not the case, you can contribute up to those limits if your employer has what is called an "Aftet Tax 401k" option. A lot of employers don't have that option, but as far as I can tell it's just because they don't know any better. If you don't have that option discuss it with your employer. I'd suggest pleading and begging. 70,000 total minus 23,500 that's going into 401k Roth leaves $46,500 (+7,500) of After Tax 401k contributions you can make. Here is where it gets interesting....after you've contributed to a After Tax 401k option call up Fidelity, or whomever, and tell them you want to convert all your After Tax 401k to Roth. Ta'da! That's called the Mega Backdoor Roth. #3 HSA $8,550 (+1,000) This is the best Tax sheltered retirement account because it's triple leveraged. Not only is it not taxed when you take it out, like a Roth, it isn't taxed going in either. Do not use your HSA to pay your doctor bills. Pay with cash and save the receipts because you can reimburse yourself at any time. This let's the money sit there and grow Tax free until you need it. Plus the Cares Act made all sorts of things HSA qualified, save those receipts too. #4 Roth IRA $7,000 (+1,000). Screw the income limits. All you have to do is make an IRA contribution, then call the bank the very next day and tell them you want to do an IRA to Roth conversation. This is called a Backdoor Roth. Note: you cannot do this if you already have an IRA account with money in it without tax implications because the government treats all IRA accounts you may have as one big account. If you do not carry an IRA balance there are no tax implications. Let's add it up! That's $85,550 (+9,500) in tax sheltered (Roth&HSA) accounts in 2025 that you will never pay a penny of capitol gains tax on. That's real investing. You're welcome.

Google "backdoor roth" and "mega backdoor roth". Educate yourself.

Read it again. Every penny goes into a tax sheltered retirement account. Either Roth or HSA. (HSA being the better of the two) I'll be happy to break it down line by line for you.

Dude had no idea about backdooring roth. PSYCHIC INVESTING

Here you go. No fraud required, just investment practices that you're obviously unaware of, shocker. Let me know if you need any of that explained further for you. In your high earning years it's hard to not be flush with cash all the time. That doesn't mean that cash doesn't get invested as soon as possible. And the cash just keeps coming. And as you know I actually love high inflation because that means high interest rates.

Link?

That's exactly how it started. That's WW for you.