u/CumAcneTreatment

Riot good job you finally dropped a good rework. this champion is some of the most fun I've ever had in league. Please do not pull a kayle and give her early game power at the cost of late game power.

All the people complaining about this rework are a vocal few and I want to make sure if you read the subreddit you don't go oh all the bel veth players hate this rework let's give her early game power and nerf her late game.

I want to make sure riot knows they cooked with this rework. This shits crack I love 1v5 God mode Penta kill machine late game. Do not touch the late game. Don't do it.

Should I contribute more to a Roth 401k or keep all my money in a trad 401k?

I make 102k a year 100k a year after my health insurance comes out no fica deductions after that.

Currently I invest the following a year in upstate NY so no city tax:

401k 24.5k

Roth IRA 7.5k

HSA 4.4k (no fica deduction employer doesn't offer HSA)

Brokerage 10k

I take the standard deduction and have 1k in student loan interest as a tax deduction I can take.

If I max out my 401k with trad my brackets are below:

Fed: 22%

Fica 7.65%

State: 5.5%

If Roth 401k:

22%

7.65%

6%

25,711 vs 17,716 for trad vs 401k taxes so I'll invest 8k less in the brokerage if I switch from trad to Roth.

I have the following assets:

64.5k in Roth

75.4k IRA/401k

14.5k HSA

12.7k brokerage

16k emergency fund

183k total at age 25. I want to retire at 45 no matter what with whatever assets I have. My job is boring but stable and I don't work very hard I just hate working when I could be doing anything else. Hopefully I get 80k adjusted for inflation after a 3-4% withdrawal but who knows. Should I use the Roth 401k more than I do because they have to raise taxes to get the national debt under control which means more tax later. We know the us will not cut spending. Or should I just keep maxing my trad and then roll it over if I ever lose my job or retire early?

Guys we can get the actual good version of skarner instead of v1 which is still an acceptable skarner but it isn't the most fun version.

V3 skarner was the spire skarner v2 is the micro stun skarner with the 3 hit passive.

In my opinion this is the best skarner that was ever released. That is the skarner I remember from my childhood and I didn't love the spire rework but it mostly kept the champion I liked intact and give him an insane jungle clear abduction play style. The Katarina mains complaining until they got v2 kat so it is possible.

Skarner not having a stun is extremely jarring and I don't really love the first version they shipped on league classic. Maybe you guys like it more but that's my opinion. They are going to nerf this skarner so it won't feel as strong as it currently is. There is no way they let the current skarner numbers stay in the game so the champion won't be as fun as it is right now with the damage numbers.

I am 25 have 34955 in student loans with the following interest rates. Unfortunately I have to start paying these loans back I've managed to delay them for a while with save.

5500 4.28%

3250 2.5%

3750 3.48%

12500 4.74%

7150 5.25%

2705 in interest that does not compound.

Payment is 191 a month over 25 years fixed rate.

Car loan

14689 4.8% 263 payment over 4.5 years

Income:103306

Income after taxes, health insurance payments: 82256

I max out 401k, Roth IRA, HSA, and have 10k extra to build emergency fund which I've just completed so all my extra money goes to investments. I think I invest about 45k. I did have to buy a car to get to work because my highschool clunker shit the bed after 10 yrs and 300,000, miles.

401k: 64,275

HSA:13,025

Roth IRA:62,678

Brokerage:1,6710

Emergency fund/vmfxx:15,932

Cash:6500

Car:18,000(I could sell it for 18k. I bought it for 19k)

I have 50k in debt at a moderate interest rate. My interest rates are lower then the 30 year us bond return so Im not sure if I should buy 30 year government bonds, pay off my debt, or keep investing all my money in the stock market.

there really isn't a spreadsheet that tells me what the optimal choice to do here so I'm asking reddit for advice.