eludom

Comments

• The latest Bogleheads on investing podcast covers some issues from OBBBA: https://boglecenter.net/bogleheads-on-investing-with-ed-slott-cpa-obbb-tax-law-changes/ One comment I'm still processing is the. guest's suggestion that it's better for younger investors to put money into Roths vs traditional IRAs.

  Post: One Big Beautiful Act: Tax Breakdown and Planning Strategies

  Link to comment from August 18, 2025

• I retired from 20 years in Cyber security in part because I perceived defense to be an unwinnable game. Fingers crossed :-/

  Post: Have you seen your money lately? 

  Link to comment from August 13, 2025

• Yup. I have the same concerns. I get (pay for) paper statements from major accounts just to have something physical. I doubt the would be of any real use if something made all the bits that represent my "money" go poof. I do keep a small amount of cash "just in case" all the computers go haywire for the short term. What are the alternatives?

  Post: Have you seen your money lately? 

  Link to comment from August 13, 2025

• The more things change, the more they stay the same. I worked at AOL and CompuServe before that. I remember my first experience of modems in the math room at high school. I still have my cherished crossover RS232 connector. My grandfather went from the world of horse and buggy to electric lights, the airplane, the telephone and the moon landing. My career spanned "America Offline" to the Internet to AI with "future shock" looking like it's the new normal (part of what drove me to retire) But what doesn't change is the issues we face as humans. I'm facing the same basic questions my grandfather faced: how should I live? what's "right? How should I relate to others? To go a little further back in time there was a rich man who wrote "vanity, vanity, all is vanity" and "there is nothing new under the sun". Was he right?

  Post: Back to the Future

  Link to comment from August 12, 2025

• I think my earliest money memory is when the tooth fairy left a quarter under my pillow. Next is my parents taking me to the bank to open a savings account (I had that account for years). Presumably the money going into it came from my allowance. Then there were the budgeting exercises on trips to McDonald's: we each got a dollar and could buy anything on the menu totalling a dollar or less. "A burger, frys and coke and change back from your dollar" ! Beyond that, I'm grateful for the range of early money earning experiences I had: cutting the lawn ($0.50 a section); subbing on my brother's paper route; picking mellons for a local farm market (and getting sun stroke); working at Burger King (money my first car), dishwashing, loading trucks, light manufacturing work, etc.

  Post: My Money Memories

  Link to comment from August 7, 2025

• Why is "the best strategy is to claim as close to the projected insolvency date as possible" ?

  Post: Another interesting article on Social Security claiming

  Link to comment from July 6, 2025

• Yeah, it's going to take a bit to sort out the changes and figure out rational responses. Mine probably also Roth related. I had planned on playing the ACA tax credit game for one more year, but it looks like the rules around it just got more complicated .... so I'm going to bag it, move to one of the medical cost sharing ministries for medical, take advantage of the opportunity to sell appreciated assets and start Roth conversations a year earlier. I may or may not be money ahead, but I just don't need more complexity. Thank you US tax code.

  Post: Increased Deduction for Seniors

  Link to comment from July 5, 2025

• Welcome to what's next.

  Post: Today’s the Day!

  Link to comment from July 1, 2025

• In my daily journal I have a section titled "out[ward looking]". I list people, my planned interactions, what I'm doing for/with them, basically answering the questions "who cares what I'm doing today?/who am I helping today?". If that section ever starts getting small/empty, I've got to work on it

  Post: Missing you….Or not?

  Link to comment from June 20, 2025

• You're right about COVID. It dehumanized work life. I spent the last 3 years working remote. I met my coworkers at a few on-sites, but in the end there were no lasting connections. There is something about meeting face to face. Contrast that with 3 friends from early in my career who will be with me for the end of my Appalachian Trail section hike next month. "Make new friends, but keep the old..."

  Post: Missing you….Or not?

  Link to comment from June 20, 2025