New Toyota Sequoia (electrified, livingroom on wheels)

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As a federal employee my spouse has access to G-fund through TSP. And I am glad with upcoming increases in interest rate we were wise enough to realign...

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Do not dabble. If you are gonna do something, do it. Do not be a dilettante. You can time to consider your career options, but as was previously mentioned...

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With the way geopolitical winds are blowing, we are not going to get any Chinese EVs. I am actually surprised to see a Vietnamese firm sell their EVs...

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Exactly. I think we'll cave in around 13-14, and we will be sure to use a no-tracking, no GPS device (personally, I use CalyxOS)....

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Cannot agree more! I have had career conversations with undergrads at local universities, particularly when they come upon a very tough subjects like...

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If you are interested in pharmacology, counseling and high tech stuff (like sequencing), I personally strongly recommend Genetic Counseling masters, as...

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I just "love" how people who have never lived through communism like to make these comparisons so easily. I'd say you are right on point, except...

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Me too, I own a few individual bond issues diversified over a few strong local municipalities with good administration and credit rating. Rates vary from...

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Yeah, agree. Mostly posted after seeing this thread and feeling sorry for myself -- have not gone anywhere but a local state park or visiting immediate...

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I did it by myself for free with Vanguard.

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Ok, I will bite & here's my take. We purchased a bit of a "diamond in the rough" vacation home that's on three separate parcel lots on...

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Been frozen for several years. The only "pitfall" was the hassle of having to have it temporarily unfrozen (ha ha thawed, for 48 hours) to...

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A heck of a lot of nothin'. One conference trip for CME for 3 days, otherwise visit grandparents, maybe an overnight in a historic town within a 2 hour...

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You beat me to it, maybe time to sell "high" with used car prices especially Teslas where they are. Plus it does not sound like having a car...

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Yup, agree with the above. Skip.

Sadly, I think facebook has a point about metaverse and if the pattern holds for in-game purchases (i.e....

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Sounds reasonable to me too, maybe even cheap, if all prep work & permits are done for you.

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Cannot agree with more. Fido does this as much and maybe more than others. My favorite is how they try to virtue signal with Fidelity DAF, but when...

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Yeah, I concur with what's been said. I know the lot may be small, but perhaps if there is a will, there is a way? Maybe building a small studio above...

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Agree, cool video. Some basic insights are there, but largely regurgitated from other, more academically minded books and articles in a simplistic way...

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OK, couple of things. Sounds like you are a pathologist (spindle cell). Trust me 60/40 does not equal 60/40 when you are a junior faculty. 80/20 maybe...

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Tangler, we do not know what kind of FIREman he is, and specifically his physique. Maybe he is a fat FIRE man ...

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Split the difference, get a Toyota Venza. Hybrid, all wheel drive standard, 40+ MPG, roomy without being a 'boat' and quite practical. The quality of...

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Yep, agree! Time to find ways to up that salary....

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Yeah, the current appraisal system is a joke. One of the best examples of "regulatory capture"...

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Now *this* is the correct interpretation of current events....

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I disagree, things are pretty black & white. And it is your circus, what is happening right now is right on the (western) flank of NATO. Japan, South...

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The Seinfeld clip was the first thing I thought of too, I must be of a certain age (child or at least a teen of the 90s).

But more seriously,...

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On a related note, and maybe someone on this forum would have first-hand knowledge -- I recently signed out for BA (british air) credit card, which after...

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A ground-up redesign, first in 15 years:

https://www.youtube.com/watch?v=c2Mrg_ZeoAE

Huh... I wonder what WCI thinks, since...

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Indeed. Very liquid.

But with some seriousness, has anyone tried to build out your own investment/consumption wine cellar?...

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You laugh and there are certainly shady websites that will sell you naming rights to a star or a plot of land on the moon with no legal standing whatsoever...

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Like moving to Monaco (or Dubai) and relinquishing US citizenship? Maybe I have been watching too much Nomad Capitalist, but I still find it ridiculous...

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And banks, don't forget banks. Switzerland, Lichtenstein and Luxembourg industries. But you can only have those "value adds" in very select...

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If you have to go with a traditional HVAC, go TRANE -- support local economy (made in the USA!)...

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How old is your HVAC system and do you have a gas line or is it a tank (propane)? Gas prices especially for tank are going up. If you have to replace...

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Sadly, both hype and slowly (but at an ever accelerating rate) becoming reality. We already have a pretty large fraction of the population being maladapted...

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Maybe. I probably shouldn't post it here (don't want the competition), but I am waiting for a major crash/recession and keeping an eye on shares in specific...

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Wow, re: those med school costs! Didn't realize how much they have gone up. Good on you for the "wall of shame", though I doubt it will have...

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Rent. EVERY single TIME. Especially with a 2 year window.

I bought as an MD/PhD with an 8-9 year window and if I had to do it again, I would...

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Real estate (very minor, some AirBNB/VRBO), consulting - startup vetting, primarily in biotech for VC and healthcare/diagnostics consulting. Brings in...

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Yeah, donate the crypto in my suggestion especially if you plan to itemize this year. I tried donating through Fidelity DAF and although they do accept...

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Who are the residents and post-docs who do all your dirty work ??...

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Guys, just pay the extra 20$ and go to a real salon.

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Now, what do you define as a "riskless" asset? Treasurys, I-Bonds? Any account that is FDIC insured? Gold/precious metals and if so physical...

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Agree with the approach quoted above. Choose a place that is move in ready, but has potential to fix up a bit, to the exact use-case specification and...

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Good thoughts. I am not saying "avoid china". As previously mentioned in terms of my investment paradigm, the foundation (i.e. tax privleged...

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So a few years back (around 2015), I drew down my targeted exposure to East Asia. A variety of reasons -- simplifying my portfolio, some recent underperformance...

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Probably NOT too late, given you just started. Level with your partners and if they are willing to go that way, why not lower your AGI? Maybe a benefit...

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I think this is sarcasm I think but I am not sure....

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Yeah, no. Nip/Tuck has really put me off any cosmetic procedures....

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I would say consider using I-bonds since you can withdraw them for educational expenses and then get a 529 up to max stock allocation you are comfortable...

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I wasn't asking about ETFs or mutual funds labeled "ESG" or socially conscious investing per se. I was more thinking along the lines of how...

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Recently saw this new "tab" for stocks in yahoo finance. It's called "sustainability", summarized as ESG "risk score" and...

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Second this option. Try before you buy....

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I vote Caribbean. My favorite spots have been Bahamas, Roatan (Honduras) and St. Lucia. Costa Rica a close second, if you are more into nature outdoor...

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Sell now, take advantage of owner-occupant exemption for cap gains. Plus it's very much a sellers' market right now, who knows what it will be like in...

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Ditto here. No backsies congress ...

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Yep, also want to know. Does it all hinge on how/where you structure your investments (i.e. within an LLC that only comprises passive income)? I think...

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Nice summary... And to clarify the post a bit to those not in the know (perhaps some trainees reading this forum) what was meant by "getting labeled"...

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Theoretically. You'd have to leverage your language and culture know-how into telemedicine or startup scene. Otherwise in clinical medicine, though...

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I mentor others, and (unfortunately) have had other trainees in your shoes. GI is just very, very competitive. Instead of a plain hospitalist position,...

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Option 3: none of your business.

Methinks, a lot of peeps who are into crypto would fall into cat #3....

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20-30% of the total retirement portfolio is international. As with the US-centric portion of the portfolio, I have a small+value tilt. To do that, I...

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I think everyone is a bit weary of the stock market and the uncertainty of where we are at, particularly with inflation risks, COVID, geopolitical risks,...

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Though I agree, it might be tough I am not resigned to waiting in line behind the 'commercial' operators. I have an early reservation and I know several...

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Congrats on a successful channel. How many hours a week does that take, and any changes in school-related activities, grades, etc. I would definitely...

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Yup. Zuckerberg is a robot, and does not follow Asimov's 5 laws of robotics and will needlessly stab-in-back (see the movie "social network")....

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I keep vacillating, but with the new tax incentives if they pass and if your garage/lifestyle vibes with it, the new Ford F150 full-size lightening truck...

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New job. What's the company (PM me, please, super curious)

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I know somebody who's been in your shoes... they changed jobs in 1.5 years, as soon as significant other finished training. Decided to go part time,...

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Maybe you are making it difficult? I have had Fidelity DAF for about 5 years now, and it's been as smooth as butter. Most (90%) of the transactions...

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Wow, risking that much money in "stable" coin crypto? I wouldn't.

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Arby's raised their prices too. And we all know, they've got "the meats" ...

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It's not uncapped, it is just new, higher cap on SALT deductions. But yes, it will mostly help upper-middle class not uber-wealthy or the working poor....

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Pertinent to this audience, I read somewhere that MN even charges a separate "physician" income tax, can anyone from that state comment?...

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Well, think of it not as a SALT repeal, but a new higher cap. It definitely benefits high earners in high tax states (say 90th-99%ile), but not 0.1%ile...

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Cool, good to know. I read the PDF document and it sounds pretty automatic, as included OPT-in....

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Same here ...

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Is there a FERS group disability insurance? Pretty topical question, methinks, given open enrollment.

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Agree, I am in a similar age bracket, with a kid and some back issues too. It shouldn't be a black/white distinction between first class and economy;...

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Identity theft is not a joke, Lordosis ...

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My wife did something like that in eastern WA state/western Montana, doing a big birding project before grad school. 2 months of EARLY AM trekking in...

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Third person, not exactly the same boat but maybe similar enough to comment. We got a no-fee HELOC at 2.725% APR variable to do a staged remodel/build...

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Not bad, straight "B". Would have been A minus, if not for QQQJ since it's 10% and you also have 5% specifically set aside for speculative...

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Ha ha, cannot agree more about how expensive the "holes" are. Emperor has not clothes, as one can say.

I am probably on par with...

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Full disclosure, I didn't fully read all the other earlier posts on this chain -- ha, seems that's common on this forum.

To the OP, we finally...

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Ya. Hero level! You really did a lot more for this person than she (and even you) recognize....

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Yeah, it is a good guide. I agree, not applicable to me now but if I wanted to put in a little bit more than just the 20K a year for myself & spouse,...

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Exactly. Another for the "pro" column. Plus it allows us to allocate 529 plans more aggresively w/o loosing sleep. If we overfund, we can...

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Same here. However once the fixed rate hit 0%, I have held off. Plus my goal for I-bonds is to use them for educational expenses and with (nearly) funded...

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Ditto, want to learn. Do I need to sell the assets myself before transferring to an opportunity zone fund (typically a real estate syndication)? If I...

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This forum is always a good reality check. Perhaps we are on the Technology Trigger not the peak of the hype cycle for VC tech investing. There's still...

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For reference: https://en.wikipedia.org/wiki/Hype_cycle

And what prompted me to think about this:

https://www.sweaterventur...

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Yeah, if it is near Seattle, 1.25M home is probably frugal....

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For those of you in academics and (pseudo)academics like myself, do you have a sabbatical baked into your contract? How is it structured?

...

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Boooo, no more Alex ...

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I dunno. With the higher yields and volatility of tips (potential for price appreciation), I wonder if it wouldn't make more sense to put your short-term...

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I rebalanced my 401K yesterday, small potatoes but it's something. I also bought around 1500$ in taxable, and rebalanced my Roth IRA from US index to...

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Good deal; plus as those who listen to WCI podcast and read the blog know that he tends to donate the appreciated assets right away so likely keeps the...

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Look up Act 60. There are fun & safe parts of Puerto Rico like Vieques. And you don't have to and don't want to be there during hurricane seaso...