AUTHOR: achnk53 on 11/27/2025 FIRST: baldscreen on 11/28/2025 | RECENT: Linda Grady on 11/28/2025
Comments
Please allow me to tell you the story of my mother. She was born and raised in a rural farm in the mainland China. She was arranged to be married to our father in her late teens by our then late great, great grandfather in the traditional custom of their time. The amount of her purchase price was still unknown to this day because our father wanted to protect her dignity at the time of changing tradition and arranged marriages were phasing out.
She had the biggest and hardest job of keeping the house and keeping up with us four children. We were all born at home natural child birth with no epidurals, no med, etc. What a strong woman. What a great cook.
The sweetest thing that I always saw was how they always held each other hands all the time. They were married for over 60 years before my dad passed, but she is still living at the age of 102 by August this year.
I am really missing her each and every day, not because she has passed, but we are ocean apart and would not be with her every Mother's Day to give her a big hug. So if it is possible for you, please give your mom the biggest hug to show her your love. God bless.
My other advice is the be debt-free ASAP, including your mortgage. This earliest deft-free lifestyle will give you freedom of stress, flexibility, and options. So how are you to do that is to increase as much of your income as much as you can while you are still very young and able to do 2-3 side jobs.
Good luck and God bless.
I will forever don't understand why IRS prevent seniors ability to invest into Health Saving Account, with long term care will be coming into view. It doesn't make a lot of sense.
Just like that bugging Window$ 1x desktop of mine, you just have to do a hard reset. Thinking/wiring differently, if your bowl (portfolio) is big enough, then think of it as an opportunity to buy on the dip.
Great post for proper perspective about enough and giving/sharing with others. I was shaped as a little lad back in the 60s when our colony was having a water and food shortage, and saw first hand how our parents were generously helping others/strangers in need. What a wonderful life lesson for a child to be witnessed in, as a grown up, I found joy in giving and helping others any time I can. Love God, love your neighbors. Thanks again for the life lesson that shaped you and your siblings as great people y'all became.
Maybe I have missed something, but there was no listing they collect sale taxes on the site. Then, when I get the email from their billing service and I email to ask why there was a difference in the pricing, there was no reply, & the ticket didn't indicated there is sales taxes added on. Either way I think that as these tools are getting much attention and popular, their charges has been going up and up. Are the increasing pricing justifiable? I think not, they have already build out the tool, just making more profit. No Thanks.
An update on ProjectionLab, as I tried to decide whether to try it or Pralana online. So I went with PL first for a 7 days trial, the site said it will charge me $128/year afterward, then I got an email from their billing service said that it will be $139.32(I was so mad I don't remember the exact amount.) anyway I cancel it after I tried it for a few days and it was really an over kill for my situation anyway.
Very misleading messaging to say the least.
I have just tried the link. It is very cool because you can visualize where the money flow and tax rate/bracket flow. and I think it is already updated to 2026. Thanks.
I have done some fairly large Roth conversions the past few years to empty out both our traditional IRA. So the safe harbor rule nor the 110% would not make sense right now.
Comments
Please allow me to tell you the story of my mother. She was born and raised in a rural farm in the mainland China. She was arranged to be married to our father in her late teens by our then late great, great grandfather in the traditional custom of their time. The amount of her purchase price was still unknown to this day because our father wanted to protect her dignity at the time of changing tradition and arranged marriages were phasing out. She had the biggest and hardest job of keeping the house and keeping up with us four children. We were all born at home natural child birth with no epidurals, no med, etc. What a strong woman. What a great cook. The sweetest thing that I always saw was how they always held each other hands all the time. They were married for over 60 years before my dad passed, but she is still living at the age of 102 by August this year. I am really missing her each and every day, not because she has passed, but we are ocean apart and would not be with her every Mother's Day to give her a big hug. So if it is possible for you, please give your mom the biggest hug to show her your love. God bless.
Post: Sundry Memories of Mom
Link to comment from May 8, 2026
My other advice is the be debt-free ASAP, including your mortgage. This earliest deft-free lifestyle will give you freedom of stress, flexibility, and options. So how are you to do that is to increase as much of your income as much as you can while you are still very young and able to do 2-3 side jobs. Good luck and God bless.
Post: Jonathan’s Advice for 2026 Graduates
Link to comment from May 7, 2026
I will forever don't understand why IRS prevent seniors ability to invest into Health Saving Account, with long term care will be coming into view. It doesn't make a lot of sense.
Post: Tax Free Income Trap, Dealing With MAGI
Link to comment from April 22, 2026
Just like that bugging Window$ 1x desktop of mine, you just have to do a hard reset. Thinking/wiring differently, if your bowl (portfolio) is big enough, then think of it as an opportunity to buy on the dip.
Post: Recency Bias (or: You’re Running Buggy Software)
Link to comment from April 17, 2026
Great post for proper perspective about enough and giving/sharing with others. I was shaped as a little lad back in the 60s when our colony was having a water and food shortage, and saw first hand how our parents were generously helping others/strangers in need. What a wonderful life lesson for a child to be witnessed in, as a grown up, I found joy in giving and helping others any time I can. Love God, love your neighbors. Thanks again for the life lesson that shaped you and your siblings as great people y'all became.
Post: What Bangladesh Taught Me About Enough
Link to comment from April 17, 2026
Maybe I have missed something, but there was no listing they collect sale taxes on the site. Then, when I get the email from their billing service and I email to ask why there was a difference in the pricing, there was no reply, & the ticket didn't indicated there is sales taxes added on. Either way I think that as these tools are getting much attention and popular, their charges has been going up and up. Are the increasing pricing justifiable? I think not, they have already build out the tool, just making more profit. No Thanks.
Post: Tools/calculators for monthly retirement cash flow and tax estimation
Link to comment from April 16, 2026
An update on ProjectionLab, as I tried to decide whether to try it or Pralana online. So I went with PL first for a 7 days trial, the site said it will charge me $128/year afterward, then I got an email from their billing service said that it will be $139.32(I was so mad I don't remember the exact amount.) anyway I cancel it after I tried it for a few days and it was really an over kill for my situation anyway. Very misleading messaging to say the least.
Post: Tools/calculators for monthly retirement cash flow and tax estimation
Link to comment from April 11, 2026
Is Claude windows friendly, and free download?
Post: Tools/calculators for monthly retirement cash flow and tax estimation
Link to comment from April 11, 2026
I have just tried the link. It is very cool because you can visualize where the money flow and tax rate/bracket flow. and I think it is already updated to 2026. Thanks.
Post: Tools/calculators for monthly retirement cash flow and tax estimation
Link to comment from April 11, 2026
I have done some fairly large Roth conversions the past few years to empty out both our traditional IRA. So the safe harbor rule nor the 110% would not make sense right now.
Post: Tools/calculators for monthly retirement cash flow and tax estimation
Link to comment from April 11, 2026