You’re 26, you’ve still got $100k in the market, and you’ve got a condo which will likely appreciate over the years.  Congratulations!  No need to look back and doubt your decision.

Well if you ever wondered how anyone ever becomes a Director or VP of anything, this is how. Very early in your career, someone just points a finger and says "YOU". You then get automatic credibility that follows you around everywhere, and the exciting possibility of "failing up" again and again.

This is a huge opportunity you may not want to turn down.

I don’t know that I would worry about it. $15k is not going to make or break you, and by the time 2029 rolls around, your total return might not be that bad. From 2019-2022, interest rates on money market funds was less than 2%, less than 1% for some time. You also have the covid meltdown, and the decrease in stocks in 2022 when the fed started raising interest rates. Some economists are predicting that the S&P might only average 3% returns for the next few years. 

People tend to remember the good years and forget the bad ones. If you need liquidity, or want to do something else, it’s certainly worthwhile to find out the penalty and consider whether it makes sense to change. But I wouldn’t beat yourself up over that decision either. It’s not as bad as you think.

2 weeks ago OP (senior in college) was looking for a waitressing job after moving. Today, a business owner—CEO most likely

Emotional investing is bad. Leave as is and contribute more to 401k or IRA or after tax investment account. They will grow as you get old along with your condo

Gotta replace those people quitting because RTO

I'll leave the PF advice for others but wanted to say it's very good of you to invite your dad to live with you and you will cherish these years together.

I own my business. 

I have no control over my hours or even any part of my life really.  I’m a slave to my customers and employees.

If the market crashed and we had a bear market would you feel the same way?

Isn’t this just a seasonal thing?
I’d assume Amazon, like a lot of large companies, plans to hire some large number of fungible new grads every single year. Interview first, place within teams later.

Late fall/early December is the time where most companies really ramp up new grad hiring every year.

If they don’t accept you staying an IC, good chances you need to leave then unfortunately. Also be careful, some company could accept but stab you in the back by then making your life miserable so even if they accept look out for the red flags

In the case you accept to stay with your responsibilities, you need to ask for a raise to mark this change.
If they know you’re not that much into that role but you decided to accept, ask for a BIG one.

Reading books, spending time with my family and friends. Perhaps volunteering more. Writing for myself again. Adopt a pet or two. Learn an instrument, sing in a choir. All shit that doesn't make a dime. If I had the luxury of never having to work again, I wouldn't spend my time working.

What's the penalty?

You are half-way through it so if the penalty is you lose 5 years of interest then really you should look at it as a 6% CD you put your money in today.   So if the penalty is the entire loss of all interest to date I'd say don't move it at this point as 6% is a good risk free return.

I think what is most important is how you feel about it? 

It doesn't matter what your parents think, or what anyone on the internet thinks. You do you and choose something that you will be happy with doing.

If his income is low enough, and he doesnt really have any assets, at some point he will probably need to go on medicaid to afford medical bills, nursing home care, or even in home care (some states) if he eventually does become too sick for you to care for him on your own. There are a lot of great facilities that accept medicaid patients, but they usually have a wait list for it. 

Depending on the state, for him to qualify for medicaid, he cant have more than 2k-30k in savings and/or assets. Yes, it can vary that much depending on where you live.

You also want to discuss with him becoming his Power of Attorney and Medical Proxy. This will allow you to act as their agent and make financial, legal and medical decisions for them. This can be very important should they become disabled or unable to make decisions for themselves due to medical reasons.

There's an sde1 blitz going on right now. I dont think anything is abnormal, just more folks in. I've almost never seen a dip in interviews based on teams I've been in.

Well sure.  Comfort is a core emotional need and our instinct is to preserve comfort once we achieve it.  Doing the things that are needed to become great or prosperous isn't natural.  Greatness comes at a cost of losing that comfort and most people don't want to pay that price.

My dad is a doctor and he's the only one in his family of 14 bros and sis (yes my grandparents were super productive) to have such a high degree of education and job. Then I come along holding a simple office job without a technical background and people often ask me why i didn't follow in my dad's footsteps of becoming a doctor. 

I simply replied "my brain isn't smart enough" and while it might seem self-deprecative, it is true because i did try to get into a medical uni but my grades were simply not good enough. I now make decent money but the comparison does get to me sometimes.

I tried to live up to my father's expectations, until I was 31, felt bad when I couldn't.
I'm now 34, and I got my own family to think about to spend time worrying about how I compare to my parents.

Call me copping out, but I just try to live a healthy, responsible life, filled with occasional drive for self improvement

This is my problem right now. Too comfortable. My business is thriving and I thought it would be nice to let it coast while I enjoy some extra time with the wife and kids. It has been great but now after three years it is so hard to get back into the swing of things and start to grow.

I completely agree. Personally, everything good in my life has come from moments when I stepped out of my comfort zone.

Which way got you the most clients so far?

Great insights brother! Thank you! Would suggest you to maximise using testimonials, I use this [tool's](https://www.feedspace.io/) free version.

Did you make your own webpage specifcally for your newsletter or would you just post it on your reddit and linkedin account

Why is AI attractive? Because it promises to give higher output for less input. Why won't this work the way that everyone expects? Be because software is complicated.

More specifically, there is a particular reason *why* software is complicated. 

Natural language contains context, which means that one sentence can mean multiple different things, depending on tone, phrasing, etc. Ex: "Go help your uncle Jack *o*ff the horse".

Programming languages, on the other hand, are context-*free.* Every bit on each assembly instruction has a specific meaning. Each variable, function, or class is defined explicitly. There is no interpretation of meaning and no contextual gaps.

If a dev uses an LLM to convert natural language (containing context) into context-free code, it will need to fill in contextual gaps to do this. 

For each piece of code written this way, the dev will need to either clarify and explicitly define the context intended for that code, or assume that it isn't important and go with the LLM's assumption.

At this point, they might as well be just writing the code. If you are using specific, context-free English (or Mandarin, Hindi, Spanish, etc) to prompt an LLM, why not just write the same thing in context-free code? That's just coding with extra steps.

The real reason that AI won't replace software developers (that nobody mentions).

I'm 48, wife is 50. 26 blue collar years with the same company. Mostly lean times for us while working there but company switched to employee owned (ESOP) awhile back and then we got bought out, it enabled our early retirement. Just sold the house and moving to a new state on Thursday, we need a new adventure. I manage the money myself, have it on individual stocks. My holdings collectively exceed the s&p enough that it's worth the extra effort. Investing/finance is one of my passions anyway so it doesn't feel like work. 

But the best part is going to be shutting off that damned alarm. 26 years waking up early still did not make me a morning person. 

Waking to the last alarm tomorrow

I work on the same floor as my general manager, I've only been here for a month. My locker is near the woman's bathrooms and as I was putting some stuff away in there, I saw my GM walking out of the bathroom. For some reason I blurted out 'nice shit?' as she walked past. She turned around to look at me, didn't say anything, and then kept walking.

This happened today and I haven't seen or heard from her since. Should I start looking for another job?

Am I cooked? I may have said something inappropriate to my GM.

So I ordered a clothing item off of an online website that said I could return the item if I was willing to pay for return shipping. The item came and didn’t fit so I contacted the company within 24 hours to make the return. They responded asking for a specific reason why I didn’t want the item and didn’t give the return information. Weird but I answered them and asked a second time if I could make the return. This time, they said my options were to only exchange the item or keep the item but receive a discount on a future purchase—-again not allowing me the option to return for a refund. My third time contacting them and asking for a refund I told them if they didn’t follow their company policy I would issue a chargeback. Didn’t hear anything in over 24 hours so I went ahead and filed the chargeback. Finally 1 day after filing the chargeback,  the company emailed me saying they were aware of the chargeback and asked me to resolve it because they didn’t want a third party involved. They also now sent me a very detailed email on how to make the return and noted that I would have to pay for return shipping?

At this point what should I do? The whole reason I filed the chargeback is bc I was disappointed the company didn’t immediately offer information on how to make the return despite trying multiple times. It also seems that the only reason they’re reaching out now is bc I filed the chargeback. Also discovered in the process that their online trustpilot page has reviews from many customers saying they pulled the same stunt where they did not initially honor their return policy. If I do return the item and pay for shipping, given how they first handled my request…how do I know for sure they will refund me the item?

I filed a chargeback after a company didn’t honor their return policy. Only after receiving the chargeback they are now offering to let me return the item? What should I do

Title.

I'm a US based junior developer. While ago I was desperate for work given the current market so I accepted a low paying contract to hire job for a certain US based defense company that sounds a lot like Peloton. After working there for a year, I asked management if I could be hired full time. They sat me down for an informal interview and then said they liked me and were happy with my work output so they'd hire me and almost double my pay (was getting under $55,000 a year and they said they I'd get at least 90). Sometime goes by and I ask why I haven't seen any paperwork. Management says oh don't worry, these things just take time, we need to get upper management's sign off, then we need to get finance to allocate funds, etc. Another two months go by, same story. I kept checking in every month for 3 more months before I start to get the picture, I'm never going to be hired and start applying for jobs (to no avail). Eventually their story changes to them apologizing for the long delay but it'll have to wait till the new year for funding. Fast forward a month and my contract was terminated and I was fired. Management canned every junior contractor they had and replaced us all with new contractors. I reached out to everyone else that was canned and ask what had happened to them. Each one of them said the exact same thing. Management said they loved them and their output and would hire them fulltime and double their salary but something always came up that delayed it just up to the point they were fired.

Moral of the story, don't ever believe what management says, if they think lying to you will keep you working like a good little bee, they'll do so without any qualms.

PSA If you're a contractor, don't believe anything management tells you

So I've been at this job for a little over 2 months. It's a completely remote tax analyst job. I come from a public accounting background so I know what I'm doing and the tasks are pretty straightforward. I'm basically given a task, told the due date and I get it done. Haven't missed a deadline and have been told that my work is good.

About a week ago, my boss, who is also the director of our small team, told me that I need to start telling her at the end of every day exactly what I did and how much time I spent on it. She said today at the end of the day that I need to be more specific and said that we're meeting tomorrow to talk about it. For people who have experienced this, this is surely micromanaging right? I've never experienced anything even close to this. What should I expect during the meeting tomorrow and how should I approach it?

update: So I just met with her and can confirm I am being micromanaged. According to her I am not "asking enough questions." I explained to her that the work is very straightforward and I complete everything I am given without an issue, so there is no need to ask questions most of the time. And if I am stuck on something, then I will and have asked questions. I really didn't know how to respond but I just went along with it in order to not make things worse. Safe to say this just motivated me to start applying to jobs lol.  

Boss asked me to give her a daily time sheet. Is this micromanaging?


At first, I was all for it. My dog is my world. He’s a little 5 pound Chihuahua so I can travel with him. 

I am supposed to start this job on 12/1/2024. It’s a 24k increase in annual income. I could take it and travel with my dog. I worry about his age and his health. What if he passes while traveling? I’m 38. What if I like it for first 10 years and then it starts taking a toll on me. 

Many questions and I’m not sure what option to take. 

Edit: travel is Monday through Friday. Home on weekends. 

New job offer requires 75% travel. No children or wife. But I have a dog. Do I take it?

I run a software development agency in India. 

After quitting my job, it’s been 8 months since I worked at my agency full-time. The initial days were hard as I was unsure how to find leads and do sales. Being a developer, learning to do the sales was the hardest part. Fast forward two months, and I closed my first deal to develop an MVP for a project. Initially, the founder hesitated to give the whole project, so he did a small trial work with our team. After completing that, he was satisfied with the work and signed the deal for the whole project. 

Currently, we have signed multiple deals and are working on a few potential projects:


1. Copy.ai clone MVP—This was our first project, and I am happy to share that it’s a success for an AI-based project. Our GenAI engineering team did excellent work here, significantly reducing the cost of the per-request response. We built an Agentic solution to generate the copy, so the output is up to the mark. It took 3-4 months to develop the V1 version from scratch with just an idea.

2. B2B Wedding Planning Software—This project is B2B software that can help wedding planners manage all the aspects of the wedding, including planning, guest management, communication, website creation, etc. The client was very happy with how we designed the UI/UX, which is better than their competitors. Per the client's request, we implemented Next.js with Server-Side Rendering (SSR) for the frontend dashboard, optimizing for fast, responsive interactions and improved SEO, which is essential for customer-facing platforms.

3. Shopify Automation tool—Our team built a tool for a Shopify gaming business to upload Ads on Boardgamegeek and sync with their inventory. With this tool, the founder has seen a 20% revenue increase and can now focus on other operations as we deal with their tech stuff.

The Biggest Lesson is that there is nothing as an MVP of a product if you want to have paying customers build a fully functional V1 version.

What’s next:
- I am launching three services under my agency: Product Design, Offshore Development, and Managed Delivery, which can help businesses with changing needs.
- Our ideal ICPs for now, as we are starting, are B2B businesses, mainly bootstrapped founders, pre-seed, seed, and Series A startups.
- We are revamping the complete website (our current website was a single-pager) and updating it with a better design, content, and portfolios. Focused more on marketing and operations

My Journey Building a Software Dev Agency. AMA

I’ve been on the FIRE path for a few years, and one of my main goals has been to max out my IRA contributions each year. I’m diligent about hitting the $6,500 annual limit, mostly through index funds for a low-cost, steady growth approach. So far, the strategy’s working, but as my savings grow, I’m wondering if I should diversify more or tweak my approach.  
  
Most of my savings are tied up in tax-advantaged accounts, like my IRA and 401(k), but I’m also trying to build a more accessible “bridge fund” for when I want to retire early. Since maxing out retirement accounts takes up a lot of my budget, the bridge fund has been slow to grow. Recently, I came into a little extra cash, which I’ve thought about putting towards this fund instead of the IRA, but I hesitate to skip out on the tax benefits.  
  
For anyone maxing out tax-advantaged accounts, how do you balance saving for later with accessible funds for early retirement? Did you find it better to keep focusing on retirement accounts, or did you start building a bridge fund sooner? Any advice on managing both would be a huge help as I refine my plan!

Maxing out my IRA every year for FIRE - how do you handle saving vs. investing balance?

https://www.tomshardware.com/pc-components/cpus/for-the-first-time-ever-amd-outsells-intel-in-the-datacenter-space

> AMD's datacenter segment revenue reached $3.549 billion in the third quarter, whereas Intel's datacenter and AI group's earnings were $3.3 billion in Q3 2024. Just two years ago, Intel's DCAI group earned $5 billion - $6 billion per quarter. But as AMD's EPYC processors have gained competitive advantages over Intel's Xeon CPUs, Intel has had to sell its server chips at significant discounts, which has reduced the company's revenue and profit margins.
> 
> It is noteworthy that Intel's flagship 128-core Xeon 6980P 'Granite Rapids' processor costs $17,800, making it the company's most expensive standard CPU ever. By contrast, AMD's most expensive 96-core EPYC 6979P processor costs $11,805. If demand for Intel's Xeon 6900-series processors remains high and the company can supply these CPUs in decent volumes, then Intel's datacenter revenue will likely get back on track and surpass AMD's datacenter sales. However, Intel still has to ramp up production of its Granite Rapids products. 

For the first time ever, AMD outsells Intel in the datacenter space

I was dumb and took zero risks so in 2019 I put 15k in a TEN YEAR Roth CD. The rate is 3%!

In 2021 I finally started investing wisely in the stock market but I have this 15k held hostage in this ROTH CD that I can’t move until 2029 without penalty. I’ll be 45 years old.

Would the penalty be worth it to roll it over into my IRA money market? What should I consider before deciding?

I Made A Dumb Mistake When I Was Younger

I have 2 years and a couple months of experience. Recently my manager was fired. I was told that they are not going to hire a new manager. They said I would be taking on some of his tasks. Now they are bringing me into meetings with upper management to answer questions about the department or any of the things we made as well as what we should or could be doing going forward based on whatever business thing they are talking about.


I did not sign up for this. I am a guy with a shovel. I dig. I don't want to be the one telling people where to dig. I don't care or even like meetings or talking about the actual business. Just now I met with someone from the accounting department and they walked me through a whole giant confusing thing built in excel (which I barely know) and looked at me as if I was supposed to understand immediately. I am a big problem solver sure but I am usually given problems that are in a format that programmers understand, isolated from all the business stuff. Now I don't know left from right because they are trying to force me to be the middle man who knows both the business and the technical stuff.


What are my options here? I need a job but this isn't what I signed up for. I also didn't agree to this and told them I don't want to do this. The rest of my department is more anti-social though (like, they refuse to say anything to you and will just look at you until you walk away anti-social). Is leaving my only option since they're ignoring my request to not take these responsibilities?

My Manger Was Fired and They Are Now Trying to Force His Responsibilities on Me

If you didn’t have to keep up with the rat race or worry about LinkedIn and all the distractions, what would genuinely bring you happiness? Imagine focusing on your own path instead of what others are doing, free from the stress of monthly expenses.

What is your dream job?

Just wanted to come on here and express how owning my own business and making my own hours was a game changer for me and my mental health. I used to work retail and serving and i fucking hated both. I see so many people on here complaining but doing nothing to change their situations. Take control over your own life!!

there are some people that are starting to wake up to the fact that working to put cash on someone else's pocket is stupid, but the majority still thinks that killing yourself from working for some rich mf is worth the next 60 years of their lives lol

Business ownership can really change your life 

For context my all in monthly cost for the condo is 3k (800 goes into principal) whereas renting is 2700. I just felt so much more confident having all that money available liquid. Now I am fearful 

So I am 26 who had 250k stock portfolio and a year ago I sold 150k of it for down payment on condo. Seeing the missed gain of this year and I feel much more anxiety given less liquidity makes me want to sell it and go rent. Is this wrong ?

Your real growth happens in those moments when you're feeling uncomfortable.

Ever felt like you're stretching beyond your limits? That's actually where you need to be!

Comfort can feel nice, but it often kills every opportunity for growth.

It's in those challenging moments that we discover our true potential. 

If you focus on improving by just 1% each day, it can lead to remarkable growth over time!

The next time you find yourself in a tough situation, embrace it.

Lean into the discomfort and watch how it transforms you.

Comfort kills every opportunity for growth

Hi all-  Before jumping into how we got our first 100 users, I want to ensure you have clearly defined your buyer persona and problem you are solving first. Without this, you are going to be going round and round. While defining buyer persona/ICP, ensure its well defined like “CTO of early stage startups with more than 20 engineers in United States”

**Finally, here are the 5 ways we got our first 100 paying customers:**

* **DMing on LinkedIn**: I DM’ed 100s of ideal buyers on LinkedIn from my founder profile. The ones where messages were not free, I sent a connect with a pitch as note. If you have LinkedIn premium, 300 chars is more than enough to do a nice pitch 
* **Wrote Content:** We used AI tools like Frizerly to spin out at least 2 blogs every week and shared it on my LinkedIn, Medium. Sharing on LinkedIn shares as retargeting campaign for existing contacts on LinkedIn. Sharing on Medium helps these blogs to come up on Google search organically to reach buyers who are already searching for a solution. Blogs are one of the best long term investments for traffic as well!
* **Cold Email:** We used Apollo and a secondary lookalike domain (to prevent blacklists) to send highly personalized cold email to 1000s of ideal buyers. Key here is being highly personalized, short and sweet. Here is an example 

* **Reddit:** Our team was super active in subreddits our customers hung out and gave answers that provided real value. When relevant, we ended by saying something like “Btw we are working on solving this problem with our XYX”. You can use tools like Notifer to get alerted on new posts that match keywords as well. This again can show up on Google search organically. 
* **Conferences:** We asked our friends (who are ideal buyers) what conferences they were going to, went there for free and hung out talking to as many people as possible. 

Hopefully this helps! That said, would love to know what other hacks you all have been using as well to grow organically! And if you have any questions, feel free to ask below as well :)

5 Ways I Got My First 100 Users For My Startup

Amazon seems to be hiring new grad SDE1s like mad this quarter. For a good chunk of the year there was no discussion at all of interview and hiring for new grads but now every day there are multiple posts about the interview and OA process. In the discords I'm in it seems like hundreds of people are in the interview loops (me included) for new grad positions. Is anyone on here at Amazon and high up enough to speak about this change in headcount or budget?

Amazon SDE I (New Grad) Hiring

Both of my parents have master degrees but my interest lie in pursuing plumbing or diesel mechanic as a career so I feel like a dissapointment 

Anyone doing a career that’s seen as less impressive than your parents career? How do you feel about it?

After my mother died, my father moved in with us (age 72). I want to preface by saying we wanted him to move in with us, we all get along and he contributes how he can to household. 

He has a part time custodial job and he helps us out with childcare. He’s financially independent in that his small income and social security helps pays his own bills. He doesn’t have a financial safety net or hardly any in savings. My parents had to file for bankruptcy when their small biz went under during pandemic. 

Anyone else in our situation with an aging parent living with them? How do you plan for “the future”?  For example: conversations about us downsizing the home when the kids move out - stress me out. 

Everything is fine right now. But thinking about the future is so stressful. 

***updated response***

I’d like to thank everyone who commented. I can’t tell you how reassuring it feels to be reminded to enjoy the present time with family and not mentally jump ahead to an unknown future with dad.

To answer some questions, my dad’s job provides him with full health benefits, so that has been very helpful. He’s healthy and handles most things by himself: makes doc appts, proactive about care, even semi figured out hospitals MyChart! Drives and maintains car well.

If I were to put a dollar amount on how much he helps with childcare, well… it would cost us 1500 a month. Minimum. He often cooks for us several times week and picks up kids if my husband and I are busy at work or stuck in traffic.

I will have discussions about health directives and wishes and power of attorney in the near future.

I have felt more fortunate than not about our life situation. And it’s been a blessing to see the kids have relationship with their granddad that I cannot relate to. My own grandparents were in a different country and we couldn’t afford to travel to visit.

My siblings are in the service and overseas. They do contribute if and when dad needs. I’m the only one who can provide a home though. I’m lucky to have supportive siblings who don’t hesitate to help monetarily if something happened.

Thank you all who took time to respond.

Planning financially when an aging parent lives with you.

#555: Brandon Ganch (known online as MadFientist) joins us from Scotland to share how his life has transformed since retiring in 2016 at age 34.  “I thought retirement was an age, not a function,” he said. “And when I realized it was just a math function, it changed my entire life.”  Eight years into retirement, Brandon talks about how his spending and lifestyle have evolved. While his investment portfolio has grown "exponentially," he's had to push himself to spend more money. He and his wife have doubled their spending in the last three years, yet still haven't reached the 4 percent withdrawal rate that's common in early retirement.  Having two young kids (a two-year-old son and one-month-old daughter) has changed their spending patterns. Restaurant bills and craft beer costs have dropped significantly, while they've invested in a house — their third, but the first one Brandon says he actually enjoys owning since he's no longer "hyper-frugal."  Brandon shares his few regrets from his journey to financial independence, mainly missing friends' bachelor parties in his twenties because he didn't want to pay for two transatlantic flights in one month. The book "Die with Zero" has shifted his perspective on spending, making him realize there are "seasons in life" for certain experiences.  Brandon suggests trying to live your "post-FI life" before actually reaching financial independence. By traveling for three months straight, he learned that constant travel wasn't actually what he wanted.  He emphasizes that financial independence isn't just about early retirement — it's about having choices and power in your career.  You can find Brandon at madfientist.com or listen to his music at madfientist.com/album.  A Sampling of MadFientist Articles: Retirement withdrawal strategies: https://www.madfientist.com/discretionary-withdrawal-strategy/  Baseline portfolio vs. optimized portfolio: https://www.madfientist.com/guinea-pig-experiment/  FI spreadsheets: https://www.madfientist.com/financial-independence-spreadsheet/  FI laboratory: https://www.madfientist.com/resources/  How to use an HSA as a Super IRA: https://www.madfientist.com/ultimate-retirement-account/  How to Stack Tax Benefits: https://www.madfientist.com/stack-tax-benefits/  And of course, his passion project in retirement — the album: https://www.madfientist.com/album/   Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.  0:00 - Paula opens with a Guy Fawkes Day reference and historical background  2:06 - Brandon Ganch (MadFientist) introduces himself as having retired in 2016 at age 34  4:09 - Brandon explains how HR discovering his Scotland location led to his early retirement  7:01 - Discusses the "power of quitting" and how having FI helped him negotiate better work terms  11:26 - Explains how spending habits changed post-retirement, especially around house ownership  13:37 - Talks about having kids and how that decreased spending on travel, restaurants and beer  19:27 - Shares his only regrets about the FIRE journey, including missing friends' bachelor parties  26:58 - Discusses the "Die with Zero" book and its impact on his financial philosophy  33:32 - Explains why optimization and hyper-frugality are no longer priorities in his life  40:06 - Updates on his music passion project and performing live with his brother  44:21 - Advises people to start living their post-FI life before reaching financial independence  48:36 - Explains why FI might not be for everyone but financial security matters for all  51:28 - Shares thoughts on AI's impact on software development jobs and being glad he's already FI  For more information, visit the show notes at https://affordanything.com/episode555 Learn more about your ad choices. Visit podcastchoices.com/adchoices

#555: Brandon Ganch (known online as MadFientist) joins us from Scotland to share how his life has transformed since retiring in 2016 at age 34. “I thought retirement was an age, not a function,” he said. “And when I realized it was just a math function, it changed my entire life.” Eight years into retirement, Brandon talks about how his spending and lifestyle have evolved. While his investment portfolio has grown &#34;exponentially,&#34; he&#39;s had to push himself to spend more money. He and his wife have doubled their spending in the last three years, yet still haven&#39;t reached the 4 percent withdrawal rate that&#39;s common in early retirement. Having two young kids (a two-year-old son and one-month-old daughter) has changed their spending patterns. Restaurant bills and craft beer costs have dropped significantly, while they&#39;ve invested in a house — their third, but the first one Brandon says he actually enjoys owning since he&#39;s no longer &#34;hyper-frugal.&#34; Brandon shares his few regrets from his journey to financial independence, mainly missing friends&#39; bachelor parties in his twenties because he didn&#39;t want to pay for two transatlantic flights in one month. The book &#34;Die with Zero&#34; has shifted his perspective on spending, making him realize there are &#34;seasons in life&#34; for certain experiences. Brandon suggests trying to live your &#34;post-FI life&#34; before actually reaching financial independence. By traveling for three months straight, he learned that constant travel wasn&#39;t actually what he wanted. He emphasizes that financial independence isn&#39;t just about early retirement — it&#39;s about having choices and power in your career. You can find Brandon at madfientist.com or listen to his music at madfientist.com/album. A Sampling of MadFientist Articles:Retirement withdrawal strategies: <a href="https://www.madfientist.com/discretionary-withdrawal-strategy/" rel="nofollow">https://www.madfientist.com/discretionary-withdrawal-strategy/</a> Baseline portfolio vs. optimized portfolio:<a href="https://www.madfientist.com/guinea-pig-experiment/" rel="nofollow">https://www.madfientist.com/guinea-pig-experiment/</a> FI spreadsheets:<a href="https://www.madfientist.com/financial-independence-spreadsheet/" rel="nofollow">https://www.madfientist.com/financial-independence-spreadsheet/</a> FI laboratory:<a href="https://www.madfientist.com/resources/" rel="nofollow">https://www.madfientist.com/resources/</a> How to use an HSA as a Super IRA:<a href="https://www.madfientist.com/ultimate-retirement-account/" rel="nofollow">https://www.madfientist.com/ultimate-retirement-account/</a> How to Stack Tax Benefits:<a href="https://www.madfientist.com/stack-tax-benefits/" rel="nofollow">https://www.madfientist.com/stack-tax-benefits/</a> And of course, his passion project in retirement — the album:<a href="https://www.madfientist.com/album/" rel="nofollow">https://www.madfientist.com/album/</a> Timestamps:Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 - Paula opens with a Guy Fawkes Day reference and historical background 2:06 - Brandon Ganch (MadFientist) introduces himself as having retired in 2016 at age 34 4:09 - Brandon explains how HR discovering his Scotland location led to his early retirement 7:01 - Discusses the &#34;power of quitting&#34; and how having FI helped him negotiate better work terms 11:26 - Explains how spending habits changed post-retirement, especially around house ownership 13:37 - Talks about having kids and how that decreased spending on travel, restaurants and beer 19:27 - Shares his only regrets about the FIRE journey, including missing friends&#39; bachelor parties 26:58 - Discusses the &#34;Die with Zero&#34; book and its impact on his financial philosophy 33:32 - Explains why optimization and hyper-frugality are no longer priorities in his life 40:06 - Updates on his music passion project and performing live with his brother 44:21 - Advises people to start living their post-FI life before reaching financial independence 48:36 - Explains why FI might not be for everyone but financial security matters for all 51:28 - Shares thoughts on AI&#39;s impact on software development jobs and being glad he&#39;s already FI For more information, visit the show notes at <a href="https://affordanything.com/episode555" rel="nofollow">https://affordanything.com/episode555</a> Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

MadFientist: The Hardest Part of Early Retirement Wasn't the Money

In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the mistakes people make when selling a house or a business. They highlight the concept of anchoring bias, where individuals become fixated on a specific number and are unwilling to consider other options. They provide examples of how this bias can lead to financial losses and missed opportunities. The conversation covers the importance of considering the broader context, such as taxes, terms of the deal, and opportunity costs. Together, they emphasize the need for a comprehensive understanding of the numbers and the value they represent.______________________________________________________________Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.comYou can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia______________________________________________________________About Your Co-Hosts:Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life.Steve Campbell has over a decade of industry experience and is the Chief Brand Officer at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally. Chapters00:00 - Introduction: Mistakes in Selling Homes and Businesses01:30 - Anchoring Bias and the Struggle with Fixed Numbers04:15 - The Cost of Inflexibility: Spending More to Get Less05:49 - The Value of Money: Considering the Broader Context09:21 - The Difficulty of Valuing and Selling Businesses14:32 - Understanding the Meaning of the Numbers19:48 - Lack of Understanding and Unintended Consequences20:18 - The Opportunity Cost of Holding Out for a Higher Price23:25 - Overcoming Anchoring Bias and Making Better Decisions27:06 - Understanding the Value Beyond the Numbers

In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the mistakes people make when selling a house or a business. They highlight the concept of anchoring bias, where individuals become fixated on a specific number and are unwilling to consider other options. They provide examples of how this bias can lead to financial losses and missed opportunities. The conversation covers the importance of considering the broader context, such as taxes, terms of the deal, and opportunity costs. Together, they emphasize the need for a comprehensive understanding of the numbers and the value they represent. ______________________________________________________________ Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at <a href="https://www.seedpg.com/" rel="nofollow">www.seedpg.com</a> You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at <a href="https://youtube.com/&#64;NQRMedia" rel="nofollow">https://youtube.com/&#64;NQRMedia</a> &#x1f4e7; For more information or to get in touch with us, visit <a href="https://www.ditchthesuits.com/" rel="nofollow">https://www.ditchthesuits.com</a> &#x1f44d;&#x1f3fc; You can also follow us on Facebook, Instagram and Twitter at <a href="https://www.instagram.com/nqrmedia/" rel="nofollow">&#64;nqrmedia</a> ______________________________________________________________ About Your Co-Hosts:Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life.Steve Campbell has over a decade of industry experience and is the Chief Brand Officer at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally. Chapters00:00 - Introduction: Mistakes in Selling Homes and Businesses01:30 - Anchoring Bias and the Struggle with Fixed Numbers04:15 - The Cost of Inflexibility: Spending More to Get Less05:49 - The Value of Money: Considering the Broader Context09:21 - The Difficulty of Valuing and Selling Businesses14:32 - Understanding the Meaning of the Numbers19:48 - Lack of Understanding and Unintended Consequences20:18 - The Opportunity Cost of Holding Out for a Higher Price23:25 - Overcoming Anchoring Bias and Making Better Decisions27:06 - Understanding the Value Beyond the Numbers

Major Mistake When Selling a House or Business

My guests today are Andrew Homan and Chris Miller. Andrew has spent two decades at Maverick Capital and is a managing partner at Maverick Silicon, where he leads the firm’s technology investments. Chris is a professor at Tufts and the author of the New York Times best-selling book “Chip War,” which details the geopolitical battle to control the semiconductor industry. Together we get into a comprehensive discussion on the semiconductor ecosystem and the silicon backbone of our digital age. Andrew and Chris share insights on how venture capital is navigating this complex industry and what it means for the future of computing. We discuss the AI-driven revolution in chip demand, the geopolitics of semi-manufacturing, and the next wave of innovation beyond NVIDIA. Please enjoy my conversation with Andrew Homan and Chris Miller.  For the full show notes, transcript, and links to mentioned content, check out the episode page here. ----- This episode is brought to you by Ramp. Ramp’s mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Ramp is the fastest growing FinTech company in history and it’s backed by more of my favorite past guests (at least 16 of them!) than probably any other company I’m aware of. It’s also notable that many best-in-class businesses use Ramp—companies like Airbnb, Anduril, and Shopify, as well as investors like Sequoia Capital and Vista Equity. They use Ramp to manage their spending, automate tedious financial processes, and reinvest saved dollars and hours into growth. At Colossus and Positive Sum, we use Ramp for exactly the same reason. Go to Ramp.com/invest to sign up for free and get a $250 welcome bonus. — This episode is brought to you by Tegus, where we're changing the game in investment research. Step away from outdated, inefficient methods and into the future with our platform, proudly hosting over 100,000 transcripts – with over 25,000 transcripts added just this year alone. Our platform grows eight times faster and adds twice as much monthly content as our competitors, putting us at the forefront of the industry. Plus, with 75% of private market transcripts available exclusively on Tegus, we offer insights you simply can't find elsewhere. See the difference a vast, quality-driven transcript library makes. Unlock your free trial at tegus.com/patrick. ----- Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.  Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @patrick_oshag | @JoinColossus Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).  Show Notes: (00:00:00) Welcome to Invest Like the Best (00:06:28) Intel's Historical Success and Current Challenges (00:08:22) The Paradigm Shift in Technology (00:11:44) AI and the Future of Semiconductors (00:19:02) Political and Economic Considerations in Chip Manufacturing (00:29:28) Investment Perspectives and Market Dynamics (00:45:46) The Mobile Paradigm Shift: Apple vs. AT&T (00:46:49) Corporate Strategies in the AI Transition (00:48:02) NVIDIA's Dominance and Potential Vulnerabilities (00:51:27) The Future of Edge AI (00:57:02) Powering the Data Centers of Tomorrow (00:59:42) The Semiconductor Startup Ecosystem (01:05:08) The Role of Government and Global Dynamics (01:07:28) Investment Strategies and Market Dynamics (01:10:57) The Future of the Semiconductor Industry (01:25:52) The Kindest Thing Anyone Has Ever Done For Chris And Andrew

My guests today are <a href="https://www.mavericksilicon.com/andrew-homan-353777" rel="nofollow">Andrew Homan</a> and <a href="https://x.com/crmiller1" rel="nofollow">Chris Miller</a>. Andrew has spent two decades at Maverick Capital and is a managing partner at Maverick Silicon, where he leads the firm’s technology investments. Chris is a professor at Tufts and the author of the New York Times best-selling book “Chip War,” which details the geopolitical battle to control the semiconductor industry. Together we get into a comprehensive discussion on the semiconductor ecosystem and the silicon backbone of our digital age. Andrew and Chris share insights on how venture capital is navigating this complex industry and what it means for the future of computing. We discuss the AI-driven revolution in chip demand, the geopolitics of semi-manufacturing, and the next wave of innovation beyond NVIDIA. Please enjoy my conversation with Andrew Homan and Chris Miller. For the full show notes, transcript, and links to mentioned content, check out the episode page<a href="https://joincolossus.com/episode/redefining-semiconductor-progress/" rel="nofollow"> here.</a>-----This episode is brought to you by<a href="https://ramp.com/250-signup-bonus?utm_source&#61;podcast&amp;utm_medium&#61;paid-podcast&amp;utm_campaign&#61;podcast-colossus-250&amp;utm_content&#61;invest" rel="nofollow"> Ramp</a>. Ramp’s mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Ramp is the fastest growing FinTech company in history and it’s backed by more of my favorite past guests (at least 16 of them!) than probably any other company I’m aware of. It’s also notable that many best-in-class businesses use Ramp—companies like Airbnb, Anduril, and Shopify, as well as investors like Sequoia Capital and Vista Equity. They use Ramp to manage their spending, automate tedious financial processes, and reinvest saved dollars and hours into growth. At Colossus and Positive Sum, we use Ramp for exactly the same reason. Go to<a href="https://ramp.com/250-signup-bonus?utm_source&#61;podcast&amp;utm_medium&#61;paid-podcast&amp;utm_campaign&#61;podcast-colossus-250&amp;utm_content&#61;invest" rel="nofollow"> Ramp.com/invest</a> to sign up for free and get a $250 welcome bonus.—This episode is brought to you by<a href="https://marketing.tegus.com/free-trial?utm_medium&#61;podcast&amp;utm_source&#61;investwiththebest&amp;utm_campaign&#61;tegus_investwiththebest" rel="nofollow"> Tegus</a>, where we&#39;re changing the game in investment research. Step away from outdated, inefficient methods and into the future with our platform, proudly hosting over 100,000 transcripts – with over 25,000 transcripts added just this year alone. Our platform grows eight times faster and adds twice as much monthly content as our competitors, putting us at the forefront of the industry. Plus, with 75% of private market transcripts available exclusively on Tegus, we offer insights you simply can&#39;t find elsewhere. See the difference a vast, quality-driven transcript library makes. Unlock your free trial at tegus.com/patrick.-----Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit<a href="https://www.joincolossus.com/episodes" rel="nofollow"> joincolossus.com/episodes</a>. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up<a href="https://www.joincolossus.com/newsletter" rel="nofollow"> here</a>.Follow us on Twitter:<a href="https://twitter.com/patrick_oshag" rel="nofollow"> &#64;patrick_oshag</a> |<a href="https://twitter.com/JoinColossus" rel="nofollow"> &#64;JoinColossus</a>Editing and post-production work for this episode was provided by The Podcast Consultant (<a href="https://thepodcastconsultant.com/" rel="nofollow">https://thepodcastconsultant.com</a>). Show Notes:(00:00:00) Welcome to Invest Like the Best(00:06:28) Intel&#39;s Historical Success and Current Challenges(00:08:22) The Paradigm Shift in Technology(00:11:44) AI and the Future of Semiconductors(00:19:02) Political and Economic Considerations in Chip Manufacturing(00:29:28) Investment Perspectives and Market Dynamics(00:45:46) The Mobile Paradigm Shift: Apple vs. AT&amp;T(00:46:49) Corporate Strategies in the AI Transition(00:48:02) NVIDIA&#39;s Dominance and Potential Vulnerabilities(00:51:27) The Future of Edge AI(00:57:02) Powering the Data Centers of Tomorrow(00:59:42) The Semiconductor Startup Ecosystem(01:05:08) The Role of Government and Global Dynamics(01:07:28) Investment Strategies and Market Dynamics(01:10:57) The Future of the Semiconductor Industry(01:25:52) The Kindest Thing Anyone Has Ever Done For Chris And Andrew

Andrew Homan & Chris Miller - Redefining Semiconductor Progress - [Invest Like the Best, EP.395]

It's Election Day in the US, so there's no need for any real explanation of what's at stake. Last night in New York City, we hosted a special live Odd Lots event, where we interviewed some of our regular guests on stage to talk about the vote, as well as the economic and market implications in the days and years ahead — regardless of who wins. First up, you'll hear a conversation about prediction markets, regular markets, and vote-watching with Skanda Amarnath of Employ America, Neil Dutta of Renaissance Macro, and prediction markets bettor Zvi Mowshowitz. And then in the second half of the show, we hear from the Council on Foreign Relations fellow Brad Setser on the global environment — what Brad calls an "unhealthy globalization" — that the next president will inherit. Read More: How the World Is Prepping for a Trump or Harris VictorySee omnystudio.com/listener for privacy information.

It&#39;s Election Day in the US, so there&#39;s no need for any real explanation of what&#39;s at stake. Last night in New York City, we hosted a special live Odd Lots event, where we interviewed some of our regular guests on stage to talk about the vote, as well as the economic and market implications in the days and years ahead — regardless of who wins. First up, you&#39;ll hear a conversation about prediction markets, regular markets, and vote-watching with Skanda Amarnath of Employ America, Neil Dutta of Renaissance Macro, and prediction markets bettor Zvi Mowshowitz. And then in the second half of the show, we hear from the Council on Foreign Relations fellow Brad Setser on the global environment — what Brad calls an &#34;unhealthy globalization&#34; — that the next president will inherit. Read More: <a href="https://bloom.bg/3NT6u1U" rel="nofollow">How the World Is Prepping for a Trump or Harris Victory</a>See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Odd Lots Live: What to Watch on Election Night and Beyond

Can Bauer in Illinois retire at age 57, and when should he collect Social Security? More importantly, can he afford a $300,000 motor home? Can Brad in Michigan coast for the next 10 years and still reach the promised land of retirement somewhere around age 53? Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement, today on Your Money, Your Wealth® podcast 502. Plus, it seems weird to Elizabeth in Connecticut that nearly all of her $5M is in taxable accounts. Is that good or bad? N&N in San Francisco Bay Area have $10 million liquid. Should they make Roth contributions and Roth conversions now, or wait until they retire? Access free financial resources and the episode transcript: https://bit.ly/ymyw-502 WATCH:  How to Avoid Wealth Busters on YMYW TV DOWNLOAD the  Wealth Busters to Avoid Guide CALCULATE your  Financial Blueprint for free REQUEST: Ask Joe & Big Al for your  Retirement Spitball Analysis SCHEDULE:  free financial assessment SUBSCRIBE:  YMYW on YouTube DOWNLOAD:  more free guides READ:  financial blogs WATCH:  educational videos SUBSCRIBE:  YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:58 - Can I Retire at 57? When to Collect Social Security? Can I Afford a Motorhome? (Bauer & Laney, Mundelein, IL - voice) 07:47 - Can We Coast and Still Reach the Retirement Promised Land in Ten Years? (Brad, MI) 14:20 - Watch How to Avoid Wealth Busters on YMYW TV, download the Wealth Busters to Avoid Guide 15:00 - We've Got $10M Liquid: Roth Contributions & Conversions Now or Wait Until Retirement? (N&N, SF Bay area) 24:58 - Calculate Your Free Financial Blueprint 25:36 - Seems Weird That Our Money is in Taxable Accounts. Is That Good or Bad? (Elizabeth, CT) 31:57 - Outro: Next Week on the YMYW Podcast

Can Bauer in Illinois retire at age 57, and when should he collect Social Security? More importantly, can he afford a $300,000 motor home? Can Brad in Michigan coast for the next 10 years and still reach the promised land of retirement somewhere around age 53? Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement, today on Your Money, Your Wealth® podcast 502. Plus, it seems weird to Elizabeth in Connecticut that nearly all of her $5M is in taxable accounts. Is that good or bad? N&amp;N in San Francisco Bay Area have $10 million liquid. Should they make Roth contributions and Roth conversions now, or wait until they retire? Access free financial resources and the episode transcript: <a href="https://bit.ly/ymyw-502" rel="nofollow">https://bit.ly/ymyw-502</a> WATCH: <a href="https://purefinancial.com/ymyw/episodes/how-to-avoid-wealth-busters/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> How to Avoid Wealth Busters</a> on YMYW TV DOWNLOAD the <a href="https://purefinancial.com/white-papers/wealth-busters-to-avoid/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> Wealth Busters to Avoid Guide</a> CALCULATE your <a href="https://purefinancial.com/financialblueprint/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> Financial Blueprint</a> for free REQUEST: Ask Joe &amp; Big Al for your <a href="https://purefinancial.com/ymyw/ask-joe-and-al/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> Retirement Spitball Analysis</a> SCHEDULE: <a href="https://purefinancial.com/lp/free-assessment/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> free financial assessment</a> SUBSCRIBE: <a href="https://www.youtube.com/playlist?list&#61;PLaYddQ5LA8egnNwVr1qIkg8DDOeIbrCkI" rel="nofollow"> YMYW on YouTube</a> DOWNLOAD: <a href="https://purefinancial.com/white-papers/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> more free guides</a> READ: <a href="https://purefinancial.com/learning-center/blog/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> financial blogs</a> WATCH: <a href="https://purefinancial.com/ask-pure/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> educational videos</a> SUBSCRIBE: <a href="https://purefinancial.com/lp/newsletter-sign-up/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-502" rel="nofollow"> YMYW Newsletter</a> Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:58 - Can I Retire at 57? When to Collect Social Security? Can I Afford a Motorhome? (Bauer &amp; Laney, Mundelein, IL - voice) 07:47 - Can We Coast and Still Reach the Retirement Promised Land in Ten Years? (Brad, MI) 14:20 - Watch How to Avoid Wealth Busters on YMYW TV, download the Wealth Busters to Avoid Guide 15:00 - We&#39;ve Got $10M Liquid: Roth Contributions &amp; Conversions Now or Wait Until Retirement? (N&amp;N, SF Bay area) 24:58 - Calculate Your Free Financial Blueprint 25:36 - Seems Weird That Our Money is in Taxable Accounts. Is That Good or Bad? (Elizabeth, CT) 31:57 - Outro: Next Week on the YMYW Podcast

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YahooFinance #recession #bitcoin #Biden #Stockmarket #coronavirus #memestocks #Fed #YahooFinance #investing ...

Stock Market Coverage - Tuesday Afternoon November 5 Yahoo Finance

Trading of Trump Media & Technology Group (DJT, DJTWW) stock was halted due to Election Day volatility on Tuesday. Yahoo ...

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Find today’s top reddit postson financial independence and early retirement

Featured Podcasts

Featured reddit posts

Featured youtube videos

Alex Hormozi

Alex Hormozi

Alex Hormozi

Featured FIRE Apps

Acorns

E*trade

Robinhood

Coinbase

Find today’s top reddit posts
on financial independence and early retirement