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We get 3% match on 6%, capped at 3500, so its just not very motivational to me IF the fund isn't great.

Okay, if I get a free match for a poor performing fund, why not just invest in a better fund? I'd only give up $3500/year max in match, and if the fund underperformed popular funds like VFIAX, what did I gain myself except pretax deduction, which again may or may not be worth it, depending. That...

I'm actually paid very well at this point. I have considered travel nursing, but... -It would require giving up seniority and position. -It may plop me into a worse environment. Our travellers all have horror stories too. -It would remove my ability to invest in the much haunted 401k match...

Cool story. During the span of this thread: -I opened a Roth IRA and will max it for 2024. -I researched my company's 401k match (50% up to 6% for $3500 annually), funds (which I will look further into), and verified that I am fully vested and have an active account ready for funding if I...

I see this a lot, as well. But I'd present a counterpoint... Most people who do have a good retirement work for companies that invest in them and the only reason they have a retirement is their company. Healthcare isn't like that. You're there to have the soul sucked out of you and then be...

I have some absurdly rich friends. They're actually who got me started on this path. But no, I've never been motivated in that manner, really, oddly enough.

Sanitation would be a good alternative for retirement, I think. Low stress, would have health benefits as it's likely to be city funded, etc. That is a legit idea for when I'm finally able to slow down and relax.

Garbage guy or involved support or other roles? I'd imagine it's actually a super chill job that can pay crazy well in some areas.

I guess that's because I feel very confident in my cost management, so I have not made it a focus. However... -I owe $250K or so on my estate. I have a 2.99% 20Y fixed loan, 14 years of which remaining, on my solar array, which cuts my electric bill nearly to 1/3 of what it was, even with my...

When I finally rage quite, how would I roll that over or keep it or whatever?

Okay, but the Large Cap fund was started in 2023 and has less than $400m in assets. It also has no ticker, it's just 1386 stocks they picked. It seems super dicy to me... I'm already maxing Roth and the rest going into ind. brokerage. Putting 100% into vfiax in both, although Im surely open to...

So I looked up my 401K options and they look dumb as hell. I can't invest in any mutual fund I want to invest in. They just have these options and that's it. Most of them dont even have tickers. The expense ratios are total garbage, too. Some sre 0.8% or more. Example: The company used is...

I need to understand what the fund costs to manage etc no? Or is there literally zero way it's so expensive it's eating even 50% match?

I zero the mfal, lpvo, and piggyback rds at 100 yards. 100 yard zero really smoothes out the hold over for the rds, the mfal is so close to the bore it doesn't much matter, and a 100 yard zero is a very good basis for dialing dope or holding mils with the lpvo. I use this rifle for home defense...

I intend to have mine until the day I die. Ymmv.

You're shooting coyotes at nearly 900 yards?

Hence why I specified region.

That's what one of our MDs basically just told me. They also clarified that our salary match for 401k is only 50% match up to 6% up to 3500/year, max, so that's kindof what I expected. Trash. He did say exactly what you said about 401k though. I may forego the Roth in lieu of the 401k, as I...

Why? College is a dumpster fire. Is what it is. It's doesn't keep me up at night, it's just a negative experience that I had to go through to get where I am today.

Ultium was always going to be internal, and it's great at that. Noone in their right mind would think any of these designs are anything but stop gaps until solid state exists at a good price point. It's just like an engine. Sure bmw and Toyota share the b58, and so forth, but every company makes...