/biz/ - Business & Finance

4chan doesn't want me to post cute and funny anime girls from this ip. Fucking bullshit.

Reposting my 2024 plans
PTNQ 30%
EWT 15%
QQQM 15%
SOXX 15%
VTI 15%
URA 4%
URNM 3%
URNJ 3%

Im going all in on Dogecoin and Nvidia

give me the 5 worst small cap stocks to short

>>57136711
my pennyscam is due for a dump

>>57136703
they hate anime girls because it reminds them of what they'll never be

do (YOU) invest in crypto ?
what's your biggest reason not to?
or are (YOU) just sceptic of something new unfamiliar ?
or envious of those millionaire zoomers ?

Keep an eye on vntr

>>57136772
No
I made bank on it a long time ago and don't want to test fate now that it's normalfag shit and I'm not a visionary anymore
Obviously not
Are you afraid of joining the even greater number of negative net worth zoomers?

>>57136772
It seems like forex but with the added possibility of the exchange being a ponzi scheme that randomly steals your whole account. Happy for anyone who's made it on crypto but it's not for me.

>>57136772
I put a small bit of money into a few shitcoins before the bull runs and cash out when my money has multiplied. I don't do anything with crypto other than this because it's a scam, but I can see the opportunity to make money from it. All the zoomer millionaires don't do crypto, they do marketing scams on tiktok.

Do I just go all in on UPRO and forget you faggots? Obviously not so what the fuck do I buy? I kinda want to start 2024 by buying a fuck ton of SOXL monthlies

>>57136772
Nope
Because I lost a little bit of money on quadrigacx when they exit scammed
There is little reason to trade crypto now as the volatility isn't anything I can't get on the normal stock market without needing some second account on a completely different site. I don't think younger crypto anons understand crypto levels of volatility are not unique to crypto. If you want to ramp up leverage and take massive risks you can do so easily on the markets and forex.

>>57136854
What rate of return do you need to retire at the age you want to retire at? Can't make any suggestions without knowing what you need.

>>57136854
a lot of shitcos are going back up
even shit like RYCEY

i entertained the thought of buying Hello Fresh
i wont actually since i dont understand the appeal of Hello Fresh's products themselves, but i have been tempted to just purely on financials

ultimately got turned off from it since it's not like they can just stop spending 60% of their income into SG&A (marketing) and suddenly be a cashcow as the other anon here was speculating for
the moment they stop spending on marketing, they die like Blue Apron did

>>57136772
too stressful, I just want to dump money in VOO and occasionally gamble some options

>>57136772
cant do crypto tax-free so i gamble pennyshit and options instead

no idea why but canada lets people trade stocks and options tax-free in a TFSA

>>57136918
I have 80k Bitfarms in my tfsa. Selling in jan I think

>>57136871
I don't know, yo. I'm 33, roughly 150k invested, want to add 10-20k every year and want to be able to tell ANYONE to fuck off if I want to when I'm 55

>>57136772
I have a small stack of bitcoin as insurance (along with a little bit of physical gold and silver)
and some chainlink because schizos are always right
but it's not my main thing

>>57136970
A balanced fund, or target date fund gets you to $1.5M. That'd provide you with about $60k/yr for 30 years.

>>57136970

>>57136799
>now that it's normalfag shit
so just like the markets ?

>>57136801
is forex that volatile?

>>57136831
make sense, so you use your intuition when to get in and get out ? or do you look for specific signs ?

>>57136856
>I don't think younger crypto anons understand crypto levels of volatility are not unique to crypto.
so O DTE and deep out of the money options ? teach us your ways anon pretty sure lurking anons and myself will benefit.

>>57136908
honest answer thanks.

>>57136918
make sense.

>>57136971
so a store of value, isn't bitcoin too volatile for that ? and it's also dependent on the grid, otherwise gold make sense

>>57136970
VOO or VTI if you have a higher risk tolerance, gets you to $2.5M or about $100k/yr for 30 years. It's amazing what a little extra risk and an additional 3% CAGR gets ya.

reminder

>>57136970
You're gonna want about $3M in today's money in 22 years if you want to tell ANYONE to fuck off. You do the math from there. Don't do target date funds unless you're afraid of messing with shit, the expense ratios are subpar and they buy too many b*nds.
>>57137045
>so just like the markets ?
That was the only thing crypto had over the markets in my view, now that they're the same in that department markets are superior from other factors.
>>57137067
Source?

>>57137045
When a pip makes or looses you several grand, yeah, it's that volatile.
>>57137067
Sauce?

>Just felt a sudden chest burst

I have to seriously reconsider my life for 2024.

>>57136957
thats a lot, you're only a few steps away from $1million which would give you 50k dividend takehome from banks if you wanted to settle, hope you at least trimmed out your cost basis already to hedge for either direction

ive been a lot more risk averse with my tfsa after my friend tanked his 250k+ TFSA back down to 50K because he was all in on GME too long
i never go all in now so my pennyscam is only 30% of my TFSA, hoping to breach $200K soo, contributing the rest of my room will get me halfway there already so it's not too far off unless my pennyscam dumps too much

>>57137053
VOO or VTI is high risk? The fuck... I thought high risk is SOXL weeklies

>>57137067
source?

>>57137107
It's all relative. Index funds are volatile in terms of boomer investments. Boomers don't even know what leverage or options are. Only thing more volatile to them is going all in on a single stock.

>>57137104
Sorry, $80k not 80k shares. I sold enough to get what I put in and just riding the rest. I'm up 200% so probably selling little by little every 2-3 weeks. Probably buy VOO with cash, don't know yet, that's what I've been thinking about every day

>>57137107
You dumping your whole net worth into SOXL?
VOO/VTI will have larger drawdowns, and if he's too risk adverse, he'll sell, and fuck himself for the future.

So the ultimate boomer investment scheme is just buying and holding VOO/VTI and never ever selling?

>>57137045
When I feel like I've made enough I'll close the position, no specific target in mind. I had a nice position in LRC during the last bull run that ended up almost 10x

>>57137133
Yep

>>57137133
No it's paying a financial advisor to put you into 60% VOO 40% bond funds so he can make commission

>>57137067
(Not even) 2 more weeks

if I am 29 and want to retire at 59, and starting with 10k to invest and looking to DCA at least 1k/mo starting now, possibly increasing the amount over time, what's my best bet?

>>57137119
CASH.TO is still ~5% yield until end of Jan where it drops to ~4.5%
thats usually what i dump my cash into while i wait since if market drops and you want to buy the dip, your VOO will also drop so you can't really buy the dip

you won't go negative in your TFSA if you sell and immediately buy something else with shorter settlement since it's T+1 (unlike with VOO which would be T+2 and you'd go negative if you buy options right after which are T+1)

>>57137133
Here's a boomer conference. https://youtube.com/@bogleheads3687 I've watched about half of the 2023 meeting videos.

>>57137045
>so O DTE and deep out of the money options ?
Yes there's that. You can do other things to increase leverage on equities such as using margin. And OANDA. And then there is forex. On forex, selecting the amount of leverage you want is central to forex trading.

>>57137155
Well I'll be damned, didn't know about cash. to, guess I'll buy some for the next 2-3 weeks! Thanks

>>57137140
this. No joke about it. Have lots of money but financially illiterate. "I should get a financial advisor". Advisor DCAs just you in to an S&P ETF and puts a chunk in bonds. You pay him to do this for you.

>>57137150
>what's my best bet?
a government job with a great pension plan

otherwise you just put it into whatever tax-advantaged account your country has, DCA into a global equity ETF like VT, or if you're particularly bullish just go all into US market index (SPY or whatever the cheaper-fee equivalent was)
it's boring but it should average out to ~10% annual returns over 30 years

closer to 30 years you start looking into bond exposure

>>57137150
TQQQ and UPRO. Even a buy and hold strategy with these should net you a +20% CAGR

>>57137045
>is forex that volatile?
Depends which ones and how much leverage you use. But what I really meant was that in either case you're speculating on currency. It's a valid thing to do but not for me. Especially not with how crypto brokers keep ending up in the news for fraud.

>>57137137
nice

>>57137178
yeah, it's seem the only way to get rich in the market is by managing other retards money and overcharging them.

In 2024, we will discuss the passive indexing bubble

>>57137227
never as long as boomers are still alive and contributing to their 401k and Roth IRA

>>57137249
Even zoomers know about index funds and I'm sure all of them that do and aren't into crypto are putting money in there.

What will happen to markets once all the boomers die off?

>>57137073
>>57137078
>>57137108
found one for california from a dogshit source; everything else was unrelated or paywalled in the search results:
>https://www.fool.com/the-ascent/insurance/homeowners/articles/california-to-reform-home-insurance-rules-is-this-good-news-for-consumers/
>Last week's announcement from California's Insurance Commissioner Ricardo Lara comes after several years of wrangling between local politicians and insurance companies. In May, State Farm -- the country's largest home insurance company -- said it would stop issuing new policies in California. AIG had already made a similar move in January, and Allstate followed suit in June. Unlike utility companies, insurers are under no obligation to provide coverage. When big insurance companies pull out of an area, it pushes homeowners to the insurance of last resort. In this case, that's California's FAIR (Fair Access to Insurance Requirements) plan. The difficulty with this is that it is expensive and overstretched. Plus, consumers can't shop around for the best price and FAIR coverage -- designed to be a temporary solution -- can be limited. Phil Irwin, a FAIR representative, told KCRA that average annual premiums were around $3,200. In contrast, The Ascent research puts the average annual cost of home insurance in California at $1,252. That's a significant extra weight on people's budgets. More worrying? The First Street report says the number of non-renewals in parts of California increased by 800% between 2015 and 2021.
if someone could find that old /smg/ thread that would be great, that anon said some other things as well.

>>57137269
Probably bullshit. If not, glad I'm barely in real estate.

>>57137261
Millions of Gen X, and Millennials, are actively buying index funds every payday. Boomer IRAs are inherited by Xers, and they have 10 years to pull the money out, since most of them will be in their 60s,they'll reinvest most of that money into index funds until they retire. Boomers living off of their savings impacts the market WAY more than them dieing off does.

>>57137227
trading sets prices. the percent of index trading activity due to passive inflows is in the single digits

https://youtu.be/1s7ULX45fjw?t=142

>Passive index funds hold 15% of the US stock market

Boglechads stay winning

>>57137181
Before you read this keep in mind I am retarded.
Does tax advantaged really matter, aside from the small dividends you might get via growth stocks? Assuming when you start pulling from the account you don't exceed the 0% tax bracket on capital gains. Today this would be around $44,625. Hear me out. If you bought stocks decades ago at $200 and started selling them today, and they are worth $800 each, that would mean you are looking at only $600 of that $800 being counted towards that $44,625, $200 is already taxed principal right? Meaning you could sell off ~$59,500 worth of your shares to live on for the year of 2023 and pay exactly 0% tax if I'm understanding this correctly? That's a comfortable retirement in my book, the limit will surely be higher in 30 years when I start.

Unless there's some advantage to tax-advantaged accounts I'm not understanding beyond the simple fact you won't pay income on dividends and you can pull out a lot more money in a year than, I personally, would think is necessary for a comfortable low-key retirement. I suppose the rules could always change, maybe in 30 yrs there won't be a 0% tax bracket, or it won't be inflation adjusted to be equivalent to the current one. Or maybe they will tax unrealized gains, who knows?...

>>57137322
You can swap your portfolio before you retire without creating a taxable event assuming neither your income nor portfolio are peanuts

>>57137322
you are right that you only have to worry about capital gain taxes when you sell
so while dividends+stock price appreciation are equivalent in terms of gains (canadian banks actually outperform index ETFs if you reinvest dividends) the way dividends are taxed can screw your gains longterm unless it's tax-advantaged

im a leaf though and in canada our TFSAs are one of the few things that make it worthwhile to stay in this place over just moving down south for better wages
TFSA = if you turn $50K into $1 million you don't pay ANY tax at all so of course you're going to use this first
RRSP = tax deductions on whateveer you contribute (so more money to invest NOW) and you only pay taxes on what you withdraw out of the account (as income) -> when you're retired you're going to be at a much lower income tax bracket so it's even better

really depends on what your country has

>>57137357
Oh right duh. Doesn't matter if you just hold forever

>>57137322
I'm pretty sure that with the standard deduction, you can add another 12 grand to that. And yeah, that's the game I plan to play if I retire early. Okay, not exactly that one, but the same idea. I plan on doing it with 401k funds before I claim socal security. Then use that taxable money that your taking about after I claim to stay below whatever the threshold is for having more of my SS taxed. The 401k advantage is I save taxes today when I would be in the 24% bracket, but my 401 is doing a nice job of keeping me in the 22% bracket.

>>57137374
it's nice to be optimistic to think your timeframe will still be 20+ years when you're 65, but you'll probably want to slowly convert your portfolio to bonds around that age

like there are those target date funds that slowly change your equities to bonds towards whatever the target date of the fund is (e.g. 2050 retirement date) but those usually have higher fees and might be too risk averse with their allocation
then again life expectancies are probably getting shorter instead nowadays so it might be fair to be more risk-averse instead of staying 100% equities at 50 years old or whatever

>>57137414
stop importing 3rd world jihadists to 1st world paradise, and your longevity will stabilize, until they out breed you.

tax deductions (and investing that money of course) is powerful as fuck

irrc for leafs, the TFSA and RRSP are basicailly equivalent in the end assuming tax brackets stay the same, sicne while TFSA is completely tax-free, the money you're putting into it was already taxed +30% or whatever, while with the RRSP you're deferrring that tax and so receiving the growth from that extra +30% capital from present time

always go tax-advantaged first unless you have shorter timeframes, or you're doing risky plays (can't write off losses in tax-advantaged account)

>>57136669
Warren Buffett was right. Never bet against America.

https://youtu.be/n5JWyPBM_U4

Anyone buying into the bowlero short float craziness? Seems interesting, but I doubt it could pull a GME type move.

>>57137322
there's usually 2 kinds of tax advantaged accounts

1 kind is like the US IRA account, where the money you put in it is deductible from your current year taxes and the taxes on gains are deferred somehow, usually when you take the money out

2nd kind is like US Roth IRA, where you can only put taxed money into it but the gains are tax free

if you don't expect to pay much or any tax on your withdrawals like you outline here then the first kind of account is still useful because it gives you a tax deduction today for your contributions

>>57137443

>>57137443
Buffett is a retarded boomer that avoided investing in technology because he doesn't understand it. He only eventually bought Apple because he realized the amount of millennial money going into ETFs and how ETFs allocated the most into Apple.

>>57137446
Never forgiving them for acquiring BWL/A and screwing our ancient oldfriend secret

>>57137447
You can get triple tax advantage (deductible from income, no capital gains within the account, no tax to remove) through some esoteric means too. Starting next year you can funnel unused 529 funds that are 15 years or older into a Roth IRA to achieve this.

>>57136669
TQQQ paid me dividends. Is this passive income?

Short Apple as soon as you can.

some new iphones are coming from poo in the loo.
their newest product is a massive overprice vr device with a pocket battery connect with a cable,
vr and meta shit is still too early, facebook just got reckt recently.
apple price still near all time high.

>>57137695
Muh titanium and USB

But honestly, techfag here. 2 things to never bet against? America and the willingness of Apple fan boys to eat literally any shit that lands in their mouths from Apple. They will praise them for being trendsetters for adopting a feature that's been industry standard for every other device for 20 years, they will pay $1200 for a tablet STAND. They will pay $2500 for a laptop that has specs that were mediocre even 11 years ago. It's a unique level of retard. Apple will be fine.

My point is they have immense headroom to win brownie points with their braindead customers just by making obvious improvements if needed.

I payed 27k in taxes in 2023.

Just realized going long bitcoin miners is a bad idea with the halving. Rewards are going tk be cut in half (50%). It seems so obvious, but I haven't seen anyone talk about it. Is the greed of buying into a "leveraged bitcoin" company blinding speculators from this simple fact or is there something I'm missing?

The United States has apparently lost its ability to police international waters. Is this bullish or bearish?

>>57136772
>do (YOU) invest in crypto ?
Yes
>what's your biggest reason not to?
I don't have a reason not to, most of /smg/ are options gamblers or literally long term invested in shit like SOXL for years at a time, bagholding from 70 to 6 and back up to 30 where they claim they have sold "the top" at a profit.
>or are (YOU) just sceptic of something new unfamiliar ?
It's like 15 years old and acts as a tech stock you'd have to be retarded to be afraid of it.
>or envious of those millionaire zoomers ?
The richest crypto holders are in their 40s, if you're a gen xer and missed the boat that's kind of your fault lmao.

>>57137876
Giga bearish kek USD is gonna plummet in value if they keep fucking it all up

My employer hasn't been taking out city taxes for this entire year. Am I fucked?

>>57136856
>understand crypto levels of volatility are not unique to crypto
You're right but also wrong. NVIDIA did a 6x in the last year but no one in this gay thread crowed about their "great nvidia pick" instead you have subhumans posting their soxl gains, gush gains, boil losses, kold losses etc. People in /smg/ wouldn't know a winner if it hit them in the face and bitcoin is basically the same as a bluechip stock- the bottom at 15k was pre-programmed and it'll run to 150k after it shoots back to 30k in the next few months, before they crash the market to stop republicans and usher in the "you will own nothing and suck the dicks of 90 year old jews" world order.

>>57137917
Nakadashi

>Be a retail wagie at Home Depot
>Work at a store in a city with 500k+ population
>Expected Christmas/Thanksgiving seasons to be mega hellish busy shopping nightmare

>Not much difference compared to other holiday discount sales like Labor Day, July 4th weekend, Memorial Day period...
>Now store is almost a total fucking ghost town, parking lot mostly empty, more employees in the store than customers

I know post Christmas is usually quiet but not THIS silent...I swear last year was a lot more active compared to right now in 2023. Should I be shorting more retail shit in 2024? I have a feeling that everything is gonna dump bigly around Q1 24.

>>57137957
I noticed something similar as a Post office employee, package volume is way down from what I expected. I work in a pretty wealthy neighborhood so that is pretty concerning for me.

I work at a German chemical company. We got proper fucked by the Ukraine shit. Already were fucked by Germs being retards about the planet. The company got assraped in 2023 and they expect to keep getting assraped well into 2024. China's economy is not saving us. We seem to be upstream from many economic happenings so expect a bad 2024.

>>57137993
I work for a German multinational too (we design and locally manufacture electronic controls and their low level software for other companies) and they've been saying for months that orders are lower, they started doing budget cutbacks last summer because of that. It's happening slowly but it's happening.

>>57138073
We spent a year doing cutbacks. Next year, probably even more cutbacks. Everyone is dour about the whole situation.

>>57137957
Ofcourse retard. Last year interestrates were a lot lower. Everyone was building, remodeling or renovating homes. Home Depot is past its peak, dividend will fall, and therefor also the stockprice. Better start looking for a new job.

>>57137957
I actually believe this is happening because average consumers are becoming smarter and less secular, not because a recession is looming. I also think we will see much less seasonality in markets in future years while aggregate demand continues to rise. Despite what anons like >>57138107 might think HD still had another record year in revenues. Recession fears are way overblown imo.

>>57138151
*more secular

>3183 excruciating minutes until market open

>>57138151
What about what's going on outside your home makes you think consumers are becoming "smarter"? What I see is people is poors who keep spending on scratchers and booze and richfags who buy a new car every 3 years. Everything becoming 40% more expensive in two years has slowed much of this behavior down, but as the consumer is squeezed, they rush even faster to distraction and retail therapy. I'm open to your data, it's just not what I see.

>>57137993
>>57138073
Lmao get fucked wage boys. Capitalism has to end for the planet to survive

>>57138157
Dividend payout ratio is at an all time high, chances are dividend will be cut. Stock price will stagnate or fall. It's not that hard. Won't be betting on that horse

Look at that. Look at it. LOOK

Bobos have disappeared entirely from X and smgay. And mumoids are euphoric and acting like they run the town.

>he's not long on China
if you think Taiwan FUD matters, you're no different than a boboid in 2023

>>57138271
every bobo poster should be bullied since the has been in an uptrend a year

>>57138271
every bobo poster should be bullied since the market has been in an uptrend a year

>>57138271
Bobo's have to work extra hours to recoup their losses

>The U.S. Navy helicopters returned fire in self-defense, sinking three of the four small boats, and killing the crews. The fourth boat fled the area. There was no damage to U.S. personnel or equipment.

>>57137067
>can’t buy a home without insurance?
That’s just bologna. I’ve bought three homes without insurance. Just pay cash for them. People have been brainwashed by the insurance Jews to believe that you can’t live without their product.

>>57136970
I can do that if I don't have kids. Fug (figuratively).

hope you guys are sucking and fucking since its so quiet

>>57136753
I think I hold some but don't remember why.
These the guys putting more cameras on school busses?
Covid building cleaning scam thing?
Fuck my bags.

I am doing alright at the moment

I went from $2500 to like $12k in the last two weeks, took some cash out and lost some $$ on a few trades. Currently at $8000 ish and got some plays for the month coming up

i have calls on TLT, Snap, DISH

puts on sqqq and ford just in case

I dont think I can afford to live in 2024.

>MARA
i sold a put option on the last trading day, 3 weeks out with a strike of 15, for over 3000 dollars in premium. that's more than i make working 40 hours in germany.

>>57139212
i would have gone for calls.

>>57138449
Hello Dave Ramsey

>>57136669
Well, /smg/?

>>57139598
Never chase. Let it run, I'll look for value elsewhere. I'll pick up NVIDIA and Intel from here only after a massive correction.

How far down do you think SPY will go next year?
$440
$420
$380

>>57137732
Midwit take. The galaxy brain take is that Apple is a software company and not a hardware company.

>>57139781
all fabless hardware companies are software companies

>>57139746
All of the above, support at $180.

>>57139746
How far do you need it to go to cover your short position?

Hey /smg/ what do you guys say we take some of our substantial gains and have a meet up in Vegas? We can stay in the venetian or one of the nice hotels, and go out on the town as high rollers, picking of chicks, drinking booze, and tearing up the town! What say you?

>>57136772
no one "invests" in crypto, it's not an investment. like forex and gold, they don't do anything.
>>57139598
you're watching investment banks dump it on retail, in real time.

>>57139598
yass babe

>>57139813
The only girls available to non-chads in Vegas are undercover hookers that will roofie or scopolamine you and loot your hotel room for cash and valuables. Don’t ask me how I know this.

>>57139813
Having been to Reno and Vegas, perhaps something less pedestrian and with better food?

>>57139842
Vegas does have good food though.

>>57139813
>as high rollers
this isn't 2021 anymore, we're either trading with 5 figure portfolios or not even beating SPY

>>57138284
Unfortunately there is no way to appropriately express a bullish view on China without getting swindled by the China Hustle

>>57139809
Only $464

>>57139813
>our substantial gains
y-yeah

ive drank too much to do more research.

>>57139598
I feel like NVDA could honestly go either way right now, if it seriously breaks above 500 it might run up but if it fails to I think it might be stuck in its current range for a good while. Really hard to say.

>>57139341
Hello insurance Jew. Have you made your quota for this year? Time is running out.
Remember campers, the business model for all insurance companies is to collect as much as possible while paying out as little as possible. Still think they’re on your side?

A kingdom for ESL's to stop getting hired for customer service jobs

>>57139813
sounds like glowies trying to make us the new lone wolfs.

>>57139813
>so you think you made it? Great. Take your profits and waste them on frivolous crap.
Rubs hands

>>57139813
>Be /smg/
>Arrange Vegas meet up
>Everyone meets up a Circa Stadium Swim
>Robbed immediately by Rocker

Other than the stock market, 2023 was probably the worst year of my life. If my stocks hadn't kept going up, idk what I would have done. If the lines stop going up in 2024, or I get the timing wrong when switching to shorts/puts... then...

>>57140196
2023 was a great year. I only went outside 15 times this year.

>>57140196
I got wrekd, client wasted my time for 5 months and had to close my business. So fun times.

>>57139816
>you're watching investment banks dump it on retail, in real time.
So we have one anon here with a brain

>>57140162
Hello mongoloid. Enjoy losing hundreds of thousands to arbitrage buying your house in cash and even more replacing your roof or pipes or something because you're uninsured.

What do I buy in January? $100k total, $5k a week DCA. This is after I sell all my Bitfarms. Dca in UPRO? or SSO?

>>57140253
Statistically, you save money by choosing not to purchase insurance.
You can pay out your entire paycheck and become a permanent wageslave in exchange for the comfort of knowing you'll never go bankrupt, or you can save up your own money and play the odds for a change to truly make it.

The ultimate irony is that those non-savers have the least to lose through bankruptcy. Health insurance is a much bigger waste than home insurance, however. Car insurance is probably the biggest waste, but most states mandate that one.

>>57140196
when life gives you shit. you have to become a shit eater

>>57140308
I probably wouldn't put the entire 5k in UPRO or SSO, but putting some in that would be good. Do you have an emergency fund? You can get 5% on that cash in SPAXX or equivalent. Then for the rest I would split something like 80% Boomer VOO / VTI / SPY and 20% UPRO / SSO.


As an aside:
2024 New Years Goals:
>get a qt asian gf
>stop drinking and zyn pouches
>practice guitar 5 days per week
>save / invest $2k per month (outside of 401k / roth IRA)

I shorted CLF and bought TUP calls on friday

>>57140367
Redpill me on Zyn pouches. Are these a zoomer thing? There’s a zoomette I’m interested in that does these. I don’t know how to interpret that. She comes from a relatively wealthy family and went to prestigious college so I’m a bit taken aback by it. Don’t know if it’s a based thing or an indicator of low class and low inhibition.

>>57140433
Well I use to dip so I switched to them as they don't seem as unhealthy. Plus you know exactly how much you are taking, while with dipping you don't really know how much nicotine you are getting. It's better to not do them just because they are a waste of money and I'm always stuffing my mouth with them but I don't think they are nearly as bad as smoking or dipping chewing tobacco.

I consider it low class / low inhibition, but maybe zoomettes think of it differently. I know vaping was something a bunch of them did.

>>57140360
Definitely not the first time, but this was the worst.

>>57140333
False dichotomy, (you) can make enough money to buy insurance and invest.

>>57140472
Cheer up buddy, if you grind for long enough with a clear goal in mind things tend to get better even if the world around you is literally a burning mess.

>>57140367
excluding New York and California, what sort of wage do you need in the US to be saving around 2k per month?

>>57140333
>buy reliable shitbox (7.3 powerstroke / 5.9 cummins)
>tell insurance spook its for dump trips
>pay $35 a month
>put plate steel bumpers on it
>blow smoke on teslas

>>57140520
I have plenty of money to purchase insurance today, but only because I first went without insurance to save up some money.
I'd estimate $100-150k of my current net worth comes from rejecting health insurance between 2014 and 2022, and investing the capital saved.

>>57140563
Glad it worked out for you. And you did acknowledge it was a gamble. Fine.

>>57139598
I have a small position in shares. The market is having a hard time pricing future sales on AI chips accurately because it's hard to tell just how much of a lead NVDA has and how much the current AI mania will persist. That's probably why they're flying up and down as well as their potential competitors. I think the competition is probably overstated and there's a strong chance machine learning carries on, although the regulation risk is also obviously there. IMO anything under $500 is actually valued fairly or even cheaply but it'll have high volatility either way.

>have employer subsidized Silver HSA health insurance
>make back most of the paycheck premium from triple-tax advantaged HSA contributions
>remainder cost easily made back with tax-free gains
Thanks Uncle Sam

>>57140471
I honestly don’t know what to make of this zoomette. She’s an unironic anti-vaxxer/anti-birth control/anti-sunscreen type. She’s also an avowed MAGA retard type and posts thinly veiled racist things to social media. Two days ago she posted that the southern border crisis is evidence that the great replacement theory is true kek. She’s basically a poltard in a 7/10 zoomette body. All this combined with the Zyn patches make me wonder if she is mentally ill.

Probably more woman than I can handle/afford.

>MARA
i sold a put option on the last trading day, 3 weeks out with a strike of 15, for over 3000 dollars in premium. that's more than i make working 40 hours in germany.

>>57140762
yes.. now lets see what happens...

>>57140742
everyone in politics believes the demographics is destiny spiel

Any other government drones here? How'd you guys allocate your TSP funds?

>>57140742
sounds like wife material.

>>57140742
>an avowed MAGA retard type and posts thinly veiled racist things to social media.
Based.

>>57140742
>evidence that the great replacement theory is true
...do you not?

>>57139781
It's true. Apple OS has been the selling point for decades. They didn't give a shit about the hardware as long as it was reliable and it was fast. They outsourced their chips and graphics to Intel and Nvidia like everyone else.

Apple OS, Apple iOS, cloud services. I wonder if they'll reach into those realms

>New Year's Eve
What can I get you, anon?

>>57140923
one of those fancy ice fruit drinks
virgin please
no I will not tip

>>57140923
its 10 in the morning...

>>57140742
You have to do this.

>>57139813
Bro I do not want to hang out with you guys.

>>57140524
>if you grind for long enough with a clear goal in mind things tend to get better
Meh, the issue is me. All of my problems are my own fault. Yes, I'd like to start making better decisions... but...
Investments always disclose "past performance is not indicative of future results," but that doesn't apply to people. If someone's always been an idiot, then that will probably continue.

>Bongs and mutts going to war against Yemen
dis gon be gud

>>57140966
I do, but fuck vegass or any USA local. Get your asses up to Canada or let's fuck off to Japan.

>>57140898
>If illegal immigration is such a problem in the U.S. why don't politicians go after the people doing the hiring

California(And the US, they do the jobs at you don't want and for wages you deem unlivable) needs those migrants working agriculture. Anon it's about money. Not your victim complex. Every single time.

>>57141034
>If someone's always been an idiot, then that will probably continue.

With that attitude, yes. What was it that you fucked up so bad to be so pessimistic?

>>57141073
what´s so great about Japan? most videos i watch from westerners living there they say they go from being in love with the place to feeling lonely and depressed in just 1 year

>>57140524
I make $6k every 2 weeks, so most months that is 6k for a budget of 4k spending and 2k savings. Then in June and December I get an extra paycheck both months. My salary is approximately 120k per year, and I do 10% 401k match. I live in Texas, mortgage is 1500 per month.

>>57140742
Send her my way. I'll cross off quitting zyn of my new years resolution.

>>57141111
* 3k every 2 weeks, so 6k most months

>>57141089
>westerners living there
This is just a vacation with the bros kind of thing. Get some food, beer out of vending machine, look at girls but never talk to them.
That said, Japan is perfect for an introvert that needs no friends. Lonely is something that social people get, nerds just get bored. Boredom is you being boring.

>>57140869
>>57140875
Yes. But she’s posting this shit on social media with her name and face. It’s one thing to say this stuff in private, another to blast it out to the world. To do it publicly is uncouth.

Also no birth control means no rawdogging. She wants to be a SAHM and I don’t think I can afford that on a $100k salary in HCOL metro. She’s accustomed to a certain lifestyle from her wealthy daddy.

>>57140253
The home cost me 45k. Couldn’t have financed it even if I wanted to. Replaced entire roof one year later. Pipes are just fine thank you. Still not insuring it. Why should I? I own two more so losing one is not a catastrophic loss to me.

>>57141111
>earns 120k yearly, 3 to 4 times more than the average well paid european
>also has the ability to invest in a 401k account with tax deductions

i fucking hate this continent, sweet fucking Jesus i would rather be the 51th state in the US than being the first in europe, also checked.

>>57141163
my idea is that they those anime and cosplay convetions and that theones going on in Japan are the real deal, not my sort of thing but could fun

>>57140898
Oh it’s absolutely true, you’re just not supposed to say it out loud.

Do you think it’s stupid to buy QQQ after the massive bull run this year? I’m trying to automate all of my investing and I was leaning toward allocating about 25% to QQQ.

>>57141180
Tea and cake in a manicured garden is my Japan vibe. No need for tourist traps and anime junk.

>>57137819
Yes but as the supply is cut in half, the price will double (assuming inflows stay constant which, history tells us, they will not). Miners also earn money on transaction fees, plus the coins many of them keep on their balance sheets.

No, what fucks them fundamentally is that there is no moat. They're all just in an endless scramble for cheap ASICs and power.

>>57141180
more money in the US

i make CAD$110K in Canada but i could be making US$110K for the same job if i moved south
but you cant just relocate away from all your friends and family just to make more money so whateva

>>57141180
Nothing stopping you from moving here. Free entry through mexico.

>>57141193
Research PTNQ

>>57140953
Women are supposed to be natural empaths. Their motherly instinct is programmed to want to save poor helpless brown people. It’s a husband’s job to reprogram that. IDK about a woman coming out of the box with those beliefs. What will that lack of empathy mean for her motherly abilities?

>>57137985
Look at FDX's chart the last couple months lmao

>>57141193
It's almost never a stupid time to buy QQQ. Just because QQQ had a huge bull run this year doesn't mean it's going to be any cheaper next, in fact historically the opposite has occurred. You could wait a few months to see if there's a pullback but I've been yoloing as much money as I can into TQQQ the past few months

>>57140253
>Enjoy losing hundreds of thousands to arbitrage

Explain your point because I can’t figure out what the fuck your talking about. Use my first cash purchase as an example. I paid $23k for it.

>>57141080
It's never about the money at the top level. Those people are all set for life, and so are their children. It's only about power for them, flexing on the lower classes is all they live for

>>57141247
I don't know what cheapass properties you guys are buying, I was thinking about my area where nothing is even close to being below 6 figures.

>>57141226
I wouldn´t mind going to the US and cleaning other´s people shit for a good pay, but not like an illegal alien. I was told about something called the Fulbright Program but i need to check it out.

>>57141223
My friends have migrated to other EU countries, my parents are old and my brothers are also about to fuck off either to Germany or Brazil. There is nothing left for me here other than toiling and living paycheck to paycheck, and if im going to do that might as well be travelling around the world and bring my father with me, he always wanted to drive trought route 66 and larp as a cowboy when he was my age

>>57141200
that does sound nice

>>57141304
>Fulbright Program
are you white?

>>57141080
This is a retard argument that was used through europe & UK, it doesnt hold up there as much as it doesn't hold up here.

>>57141359
Yes, is that a bad thing?

>>57141369
you'll be at the bottom of their list.

>>57141376
What if i apply as an hispanic? I am an iberian after all.

>>57141193
Buy low sell high.

>>57141089
>What was it that you fucked up so bad
Some big things, like moving to a new city to take a new job (two bad major decisions in one), but also lots of smaller things that add up over time.

>>57141230
>What will that lack of empathy mean for her motherly abilities?
It means her programming will make her turn your child against you. She will constantly be paranoid that the bad feelings she's feeling are your fault and social media and culture will reinforce that it's your fault.

Or maybe that era is over. We might be coming out of the woke era. Anti-liberals have a lot of momentum and a lot of politicians who want nothing to do with it. That's the first step.

I'm sorry, but you're correct. We have to change the culture. We can do that with our money and with our influence. And then you get a wife. Jk go searching for a rural wife from Kentucky. They're still fucked up but if they believe in Jesus you're halfway there.

We're gonna be okay. We're gonna pull out of this.

>>57141394
For me it was the opposite, it was coming back home after an year abroad, i cant really complain about these past years since i had saved money, visited some places and i was actually getting laid when i wanted, but it all gets stale if you are not genuinely happy.
You should just start making plans for a change, no point going on with a miserable life when you are free to move.

main difference between new years eve and regular day is that new years eve it's time to open first beer slightly earlier. outside too cold it's easier to bath and drink beer and play vidya

i swear next year new years eve im gonna to bangkok or somewhere else where it's tropical so hot beer and cold women!

https://www.youtube.com/watch?v=yNataRDuED8

In 2023, I bought a house and went six figures into debt.
In 2024, I'll still have a house and be six figures into debt.
In 2025, I'll still have a house and be six figures into debt.
In 2026, I'll still have a house and be six figures into debt.
In 2027, I'll still have a house and be six figures into debt.
In 2028, I'll still have a house and be six figures into debt.
In 2029, I'll still have a house and be six figures into debt.
In 2030, I'll still have a house and be six figures into debt.
In 2031, I'll still have a house and be six figures into debt.
In 2032, I'll still have a house and be six figures into debt.
In 2033, I'll still have a house and be six figures into debt.
In 2034, I'll still have a house and be six figures into debt.
In 2035, I'll still have a house and be six figures into debt.
In 2036, I'll still have a house and be six figures into debt.
In 2037, I'll still have a house and be six figures into debt.
In 2038, I'll still have a house and be six figures into debt.
In 2039, I'll still have a house and be six figures into debt.
In 2040, I'll still have a house and be six figures into debt.
In 2041, I'll still have a house and be six figures into debt.
In 2042, I'll still have a house and maybe if I'm lucky I'll be able to pay it off.

I hope everyone loses their jobs in 2024. May their families go unfed, may they lose their houses, may the stock market crash, may the homeless population rise, may the divorce rate skyrocket. Just so I can make ungodly gains in a years time.

>>57137920
I bought NVIDIA before the last split. I just don’t crow about gains.

>>57141520
here's two great articles by former hedge fund manager

https://jamesaltucher.com/blog/own-house/
https://jamesaltucher.com/blog/dont-buy-home/

>>57141547
Man if its such a bad investment surely no one would anyone own one. Surely there wouldnt be whole companies that just have portfolios of housing.

>>57140367
Good goals my man. Best of luck.

>>57141277
So your not going to answer your dumb arbitrage point? Anyway take a look at your amortization schedule sometime. Your not only paying most of your money to the interest Jew up front but your insuring a home you don’t don’t even own 2% of. Kek, stay poor. It’s the American dream right?

>>57141216
>Yes but as the supply is cut in half, the price will double
So price will have to double for miners revenue to stay flat?
>assuming inflows stay constant which, history tells us, they will not
Do inflows tend to increase after the halving?

>>57141584
And surely their reliance on real estate would never cause a a global recession.

>>57140646
I don’t see NVIDIA sales decreasing much (or at all), but it’s hard to tell how much of the valuation is AI hype. NVIDIA has a solid moat and a steady development cadence, and its hardware is going to be used in everything from self-driving cars to data centers. You’re basically investing in Levi’s instead of the gold miners (which means it doesn’t really matter how this AI stuff plays out) so if you bought in a while ago then holding is probably a safe play long term. Might not get you maximum profit if the hype deflates but it’s not going to crash. Not sure I’d buy in now, though.

>>57141226
He’s white, they’ll instantly deport.

>>57141604
If you bought a house when you should've a couple years ago your interest rate should be 3%. Average stock market return is 10%. I shouldn't need to tell you that 10% is bigger than 3%. Jew Jew Jew you're obsessed. This is the last time I reply to you.

Let's just all act like this is a normal day. I'll start.

AAAAAAAAAAAAAAAAAAAAH

>>57141646
>their
surely that would be the greedy jew bankers. And surely we all learned a lesson right? :^)

>>57141175
Every post gets more pathetic. A yound girl is more brave than you posting what needs to be said online while you cower and hide. You can't provide for her being a stay at home mom. Most importantly you are asking advice about a girl on 4chan. NGMI.

We are significantly investing in active gene-splicing, girl-only births, tentacle clits, and girls infinite ways of impregnating. Girls can produce unique girl fluids and can even insert eggs into people.

We are also investing into massive pregnancy. 8 babies or even higher numbers simply via taking a pill.

>>57141689
>We
...mississippi?

>>57141653
Everyone can see the same thing which means it's actually not bearish. And it doesn't mean anything.

>>57141689
>girl-only births
did you know older people who become pregnant have 70% or more chance of having girl babies. and young people who become pregnant at 20 or something have much higher chance of baby boys. that's why like sylvester stallone etc. have only daughters

My people also invest into sample-meat/meat-cloning. Meat splicing. It saves all the animals, makes meat free and ever better. And lovers can even share their meat samples with eachother.

Each person tastes different.

A tiniest sample can be grown infinitely.
There’s also a lot of meat at the bottom of peoples feet that grows back perfectly. But it can be the tiniest drip that can be grown into an eternal meat mountain.

>>57141527
Even if the economy crashes so bad I go homeless and have to forage berries to survive ill hold
Either we bounce back or go into a dark age I'd rather die in anyway
There's no real risk

>>57141732
Were also invested into immortality. And solving all aspects of aging.. especially cosmetic aspects. Aging is passé.

The future is girl only. Girl only worlds and multiverses. I’ll be a trillion year old Belle Delphine tier futa-cun impaled on clit as a breedery for the girl species.

We’re also invested into true world peace and real society.

>>57141712
We’re the world.

>>57141653
> Bulls making fun of Bears
I don't respect the opinion of anyone whose key arguments include "they were being meanies >:(((".

>>57141678
No need to act: it is a normal day.

>>57141778
He just means bull are euphoric

>>57141745
Bears got liquidated in 2023. Bulls will get liquidated in 2024.

>>57141732
actually, that´s not true. women have a 51% chance of giving birth to a boy. check out any pyramid tree froma developed nation and you see that there are more boys than girls up untill around 35 years old, when there starts to be more women, probably because we tend to do retarded things that are more likely to get us killed

>>57141727
>Everyone
Debatable.
It's a dumb cope I see a lot from mumoids recently that everyone can see it "everyone is suddenly smart" "everyone has access to more info therefore they are automatically smart"
Nah you're dumb and will stay dumb.
>>57141778
He's not saying what you think, he's just pointing out it's happening, not that it's meanie etc

>>57141798
there will be a natural correction soon in the markets i have started the hedging already, (10-15% selloff) but nothing major in the sight as deflation is creeping back and most central banks are already committed to lowering rates

https://www.youtube.com/watch?v=HCK9GZV0fzQ

We’re invested in the infinite multiverses of communities present on our world.

Each love is a soul.

What true wealth is to one soul is different from another. However there is absolutes of true wealth. Absolutes of true goodness. Absolutes of true love.
An example of absolute true wealth is the freedom to let others be and thus invest all attention to ones truest-wealth/truest-love.

The problems of the world is that love is love, and that in of itself is the solution.

>>57141732
Huh, nature's way of smoothing out population growth based on access to resources. Young fathers = abundance. Older fathers = scarcity.

>>57141804
51% aggregate statistic can be entirely compatible with gender of children by age of mother being skewed.

What the fuck is happening in this thread

>>57141846
scenario-casting for investment purposes

Let's suppose that you were able every night to dream any dream that you wanted to dream. And that you could, for example, have the power within one night to dream 75 years of time. Or any length of time you wanted to have. And you would, naturally as you began on this adventure of dreams, you would fulfill all your wishes. You would have every kind of pleasure you could conceive. And after several nights of 75 years of total pleasure each, you would say "Well, that was pretty great." But now let's have a surprise. Let's have a dream which isn't under control. Where something is gonna happen to me that I don't know what it's going to be. And you would dig that and come out of that and say "Wow, that was a close shave, wasn't it?" And then you would get more and more adventurous, and you would make further and further out gambles as to what you would dream. And finally, you would dream ... where you are now.

>>57141840
sure, but that means that if it´s true, then younger women are even more likely to give birth to a boy than just 51%

>>57141846
I would say that knowing about geography and demography are useful tools for investment.

>>57141846
Man-made horrors beyond our comprehension

>>57141846
things get peculiar when the line no move. It is 1pm and i must roll out of bed to make breakfast.

>>57141882
I interpret the composition of these 2 statistics differently. Assuming both are true, 51% of births are male, and as fathers age they are more likely to yield an X chromosome, the outcome must mean that the average pregnancy occurs when the father just barely below the 50/50 threshold of yielding Y vs X.

Another relaxing day. Sadly just one more left then the real world beckons again. Just when I was getting used to the absence of the "beep, beep,beep" sound to..Sigh. Watching the Rockford Files show and amazon dropped off a a new server computer case I ordered. Came early. Wasn't expecting it till later in the week.

>>57140659
Should I roll my tradtional 401k into a roth?

>>57141810
Hey dummy hedge funds see the same thing. Traders see the same thing. Retail traders see the same thing. All of FINTWAT sees the same thing. They keep mentioning oversold oversold over and over again. It's not an edge in trading. Bots are crawling twitter and is capable of reading twitter sentiment.

RSI over sold Vix extreme lows.. etc.... You think shorting is easy dumbass? Shorting is extremely difficult because there will bear traps, fake outs and shake outs. You are too stupid to understand the subtlety to effectively shorting.

Go back to reading twitter and gambling hoping you get one short right. Because overtime your trading strategy is dogshit and you will lose it all back. The house always wins and you a dumb gambler who doesn't understand how the markets operate.

>>57141660
They're letting in Turks and Chinamen. Give it a couple months and the Border Patrol will give up on even stopping Norwegians.

>>57141938
overbought* overbought* *overbought*

>futures

>>57140947
It's 5 o'clock somewhere.

>>57141961
Now its 12:15 so acceptable to start in on some beers.

>>57141936
same anon, but diff ip. You get taxed with the conversion, so it's best to do that in a year you have low income or are unemployed. Realistically after you've quit your job but before you qualify for retirement withdrawals is the most prudent time imo. I would go ahead and setup the Roth now to get the 5 year rule ticking for earliest tax-free withdrawals on earnings if you don't have one already.

401ks also offer some unusual benefits like being able to take money out as a loan against yourself, then the "interest" you pay goes back to yourself instead of a bank, so it's not all upside by converting to a roth.

>>57141936
If you're on the border of the next tax bracket no. Roth is better if you are younger but I prefer the satisfaction of the government receiving 8K fewer tax dollars from me.

>>57141527
Andrew Mellon was no dummy.

>>57141653
>santiago

uh oh

A significant aspect of my peoples abstract-science universities and chempunk is pinpointing aspects of psychedelic and isolating what causes the effect and growing what’s isolated.
We likewise do this for all sorts of drugs. Drugs get progressed and birth branches of unique new drugs. Drug splicing also.

Any of you that have problems can have your problems cured.
Our investors are of the perspective that drugs can solve anything and do unimaginable things as we grow and splice increasingly abstract effects.

Recently our teams have put CBG into Dutch, Canadian, Portuguese, and Oregon markets. CBG is completely different from CBD. The G increases focus. In laymans terms we’re making GGG so people can tune their focuses better.
We’re of the perspective that doing this is a significant aspect of divinity. Focus is an abstract energy and absolute energy. Focus is the interaction of infinite multiverses. Focus = mass. Spirits/perspectives/feelings/ideas manifest.

I think what we go towards likewise goes towards us. Multiverses are constantly connecting. There’s infinite definitions of multiverses and infinite dimensions of multiverses.

>>57141638
>So price will have to double for miners revenue to stay flat?
Yeah. You can look at previous halvenings to see how that played out (I like these guys' charts https://www.lookintobitcoin.com/charts/))

>Do inflows tend to increase after the halving?
Yes, as the supply shock drives up the price, increasing price drives up interest, and interest leads to more people throwing money at the Bitcoin. This is separate from COVID or pre-2024 election stimulus but those certainly don't hurt.

>>57142025
Sort of where Im at fuck the gubment, maxxed the HSA yesterday, maxxed roth IRA this year, about 10k short of my 401k contribution limit.
Pretty sure the HSA is pretax and tax advantage.

>>57141175
well that not being sure you can afford is the only negative.

everything else sounds great. you hit the jackpot anon dont fuck it up

The real estate section of the newspaper my parents get stopped reporting on Bay Area homes a month ago. Maybe that housing crash really is coming next year.

>>57142016
Yeah, my plan for early retirement was to use Roth funds (contributions). But that's retarded. Use 401 funds under rule of 55, or rule 72(t), until I claim SS.

>>57142016
I thought rollover was subject to a 20% minimum penalty. Was it just penalized at whatever tax bracket you are in?

The increasingly limited economy is good for true economy. My people have made many real estate markets off limits. Cost doesn’t exist within truest community.

Regions truly prospering rather than being a game, creates truer wealth greater than the sum of its parts.

A true retirement is to be with ones true community rather than being amidst unequal transfers.
True investments and true economy are pure generacy rather than an abstract theft.

>>57142091
Based TaxxMaxxer

>>57142105
To my knowledge there's only a special penalty if you withdraw converted funds within 5 years of rollover. Otherwise, you just pay taxes on the realized income of pulling money out of the 401k.

>>57142105
https://investor.vanguard.com/investor-resources-education/iras/IRA-Roth-conversion if you are going from an IRA, it'll just be taxed as income. So large conversions come with heavy income taxes, but no penalties.

>>57141778
It's a sign of euphoria.
desu the bears here are way more awful.

Much of Detroit was evacuated and emptied due to invasion. But it’s true community has grown and returned.

Masses of empty buildings have gone to pure French and indigenous and Azov migrants and philistine pagans.
It’s an especially Gallic place worth investing in.
New military bases and police forces have removed all invaders and have secured the future.

Michigan is an independent Frenchist white nationalist nation.
We are invested into Michigan.

Cleveland has also been cured.

All churches in Michigan are being removed. However the beautiful ones that weren’t originally churches are kept and the masons etc are creating real community centres.

>>57142191

>>57142155
It's not TaxxMaxxing if I stay in the 12% bracket in early retirement, and minimize my RMDs, and how much my SS is taxed later. But up to this year I was TaxxMaxxing (LT cap gains) to reduce my future cap gains. All of the money to pay the taxes came from "outside" money, rather than money I would have invested.

>>57142200
I think it must be a bot. Random posts, not replying to any previous poster.

Anti-subversion forces are invested in to prevent wars and prevent false-flag operations and prevent theft of military supplies.

>>57142204
One element of concern I have about tax-planning is I think we could see tax-hikes if the deficit gets too extreme. Current rates are historically low from an income-tax perspective. To some degree we're taking a risk that the tax system will be same around retirement. Social security went from not being taxed to being taxed. I think it's good to have a post-tax account in addition to all the tax-deferred to hedge that risk.

>>57142216
That's the only kind of inflation I'm okay with kek

>>57142216
>>57142200
https://m.youtube.com/watch?feature=shared&v=A6zYwe3YCiI

>>57141673
The interest rate on my homes was 0% which is lower then 3% so while you may have gotten 7% I got the full 10% return (using your numbers)

>>57142204
Regarding your picture there, I think that's pretty common and car dealerships know it. When I was car shopping earlier this year every single one of them like to veer the discussion over in to monthly payments instead of actual total price. They like to tack on extra shekel grabs by framing it in the shape of 'this will only increase your monthly by a few dollars!'.

>>57142200
I guess I may have been wrong, and he's just mentally ill. Well it wasn't much of a reply, and the video seems unrelated, so maybe I was right, and its a bot.
>>57142275
In that case, me taking my LT cap gains at 15 makes sense. My thought is that when I have to pull from my portfolio to pay taxes (rather than my income from a job), the taxes will be more painful than before I quit working. (Almost) regardless of the rate.

>Trump Warns Of Market Crash And 1929-Style 'Great Depression' If He Doesn't Win

How do I profit from this, assuming it ever happens, no 2 moar weeks bullshit?

>Portland Poop Crisis Triggers Bacteria Outbreak Normally Found In Third World

those schmucks get what they voted for, USA is gonna turn into a bigger shithole than Ethiopia in 20 years if they keep it up especially with too many immigrants swarming in. I will be making puts and short more stocks in preparation.

>>57142459
SPXS, unless you are a huge gambler then short SPY to 50, with a 1/1/25 expiration.

>>57142459
>elect me bro please just one more time bro I swear I'll make my campaign promises this time bro please bro the blue checkmark people will ruin america bro cmon just vote for me again bro please

>>57141938
>>57141946
>My opponent is a cringe boomer posting his predictable permamumoid takes and being too incoherent to know what he's typing

>>57142427
To clarify a little more, I mean that I think it's prudent to have money in an account with no special rules attached. IBM is testing waters for businesses to phase out 401ks for RBAs. We don't know what kind of requirements to keep tax-advantaged status will placed upon us. Maybe one way the gov deals with the deficit without austerity is by mandatting tax-sheltered accounts keep a minimum percentage in Treasuries. There's also bracket-creep, where tax-brackets increase at a slower pace than your experienced inflation.

Maybe I'm a bit too schizo, but I get peace of mind knowing I've paid my citizen extortion and don't have to dance entirely to their tune for retirement.

>>57142551
>There's also bracket-creep, where tax-brackets increase at a slower pace than your experienced inflation.
The thresholds for the 3.8% net investment tax don't even adjust to inflation.
Thanks obama.

>>57142380
As a new years gift, I'll let you know we are doubling the undercover agents we have watching you. Remember not to be violent towards them or they will pop.

>>57142481
>shigella
Gross

>>57142587
I learned this week that is also true regarding some Medicare, or socal security threshold. Also, I've been hearing a lot more about NIIT recently. I didn't know it wasn't auto adjusted (thanks Obama!™).

>>57142551
I'll have about 180k of Roth contributions. And a taxable account with over $1M, but no idea how much of that will be taxable gains. If interest rates drop enough, I can withdraw margin to live on.

>>57142764
The way it works is this; on IRS site there is a chart/table thing with arcane formula. Basically using that and your age followed by account balance determines your RMD. The good bit; under new 401 rules you don't have to touch that money till your 72. S.S rules say that if you can keep from claiming it till your 70 then you'd get the most from the S.S office.

>>57142497
I see you have tds. You might need to get that checked out. You come off as a dipshit to the world when you are suffering from tds.

>>57142982
>noooo you have to vote for my shit candidate over the other shit candidate
Fuck off

>>57143009
I am voting Vivek Ramaswamy. How about you go to a bingo hall and be grumpy with the elderly

New >>57143203

>>57143209
fuck off schizo

>>57143209
you honestly expect anyone to digest that moldy flacid bread?

>>57143209
I've already sent agents to bring you back to the hospital. If you hear any knocks it's them, just come out with your hands up and do not try to fight back.

Happy New Years /smg/

We’re all gonna make it this year

>>57143323
Happy Anniversary, you filthy pikey <3

>2024 is the year of the dragon
>time to start hoarding like a dragon

>>57143348
What exactly was/is the job that they were performing on these desks?

Happy new year.

What were your accomlishes this year finance/stock wise /smg/?

>>57143432
Losing a lot of money.

Baking

>>57143348
Yeah, make it into a shallow grave probably

>>57143522
>>57143522
>>57143522
>>57143522

>>57142968
The other threshold that I wasn't sure what it was is this one:
https://www.google.com/amp/s/www.forbes.com/sites/davidmarotta/2023/08/07/nontaxable-social-security-thresholds-are-not-inflation-adjusted/amp/