u/HenFruitEater

In 2025, X5 was released april, in 2024 the X4 was released in april as well.

April 2026 has passed, do we expect an X6?

The whole "we gotta be due for a correction anytime now" feeling in my gut is at all-time high.

Part of it is "I JUST BOUGHT VXUS at 76$, I don't wanna spend 84!"

I'm just talking out loud, and I know timing the market is a losing idea. I'll keep buying.

Does investing almost get annoying for you guys that have been doing it for 40 years?

Buying a stock for 10x the price you paid back in the day?

https://preview.redd.it/4kfnu1g1xb1h1.png?width=2840&format=png&auto=webp&s=c32663762fbec59069ad58c3878c156d9332934d

https://preview.redd.it/bh179iv2xb1h1.png?width=2862&format=png&auto=webp&s=8008baec0aeb66bb735c79710a2d0f05524d694e

I am only 31, but the whole time I've invested the last 5 years, people always say how expensive stocks are "right now". Same thing with land and houses PRIOR to covid. My farming colleagues say "corn ground for 7k an acre??? insane!!" well now its 12k an acre. "SOOO overpriced"

Like food, people have been saying "grocery prices are crazy these days" when objectively food is DIRT cheap as a % of income compared to history.

Ignoring the P/E ratios and income vs house costs that ground things as "expensive" for people that are older, do stocks and houses always feel "too high" throughout the years?

My gut tells me that there are very few times in history where market value feels "about right, maybe bit cheap"

I swear that grills are made to be looked at and not touched, through the years I've seen so many grills bent by people lifting them from the sides, and the grill surface gets busted by heat and rust, handles get super loose. Even expensive ones are just shifty sheet metal that can't handle any abuse.

What I want: A grill that has super solid base and side desks. Stainless grate. Small 2-4 burner grill.

Does anyone know of one that's not thin gauge sheet metal crap? one that could be lifted and drug through the yard by a crazy guy without being junk.

We only accept state a very small amount of state insurance in my state, the reimbursement is horrific. Like 50 bucks for a TE.

Have 2 patients now that are for sure wealthy and on state insurance.

One guy owns 2 ACE hardware stores, a monument business and a bunch of rental houses. Knew him from family friends, he'd always give tips on business and say stuff like "I thought about being a doctor or surgeon, but cant afford to with my businesses doing this well" type bs. HOW can he pay those mortgages (which is after tax income!) and still be below the MAGI limits for state insurance?

Another one owns construction business. Has lakehouse (worth prob 900k) and just built a different new house for himself. Drives nice cars and all that.

HOW are they even claiming their income that low? Like even saul goodman would not let me claim a low enough income to get on state insurance as a dentist. I really think they are rich and it's not just lies and credit card debt.

Love to hear any stories you guys might have!

I know this is a question for a CPA or something, but I'd like to start here.

I have a safe harbor 401k where I fund all my 5 employees and myself and match around 5%.

I'm the HCE (highly compensated employee) and I know theres rules on how much I can put into a 401k...

Right now, I put in the max 24k from my end, my business matches another 6k. The Megabackdoor 401k would let me fund another 42k!!!! In after tax contributions.

My question is, can I actually fund myself that much extra without violating top heavy rules?

My 5 other employees make around 75k each. None of them would use the after tax contributions because they don't even use the max 401k.

31-year-old. Have 1.56M in invested accounts total. About 331K is in retirement accounts, the other 1.23m is all in a taxable brokerage. Very brokerage heavy.

I just found out about Mega Back door Roth 401(k).
I could switch 40 K a year from going into taxable to now going into the MBR.

I think it seems like a no-brainer, even if I’m going to retire earlier than 55 because of how heavy I am taxable (I have no idea when I want to retire. I like my job).

I’m assuming that I could still get my contributions back if for some reason I needed some of the money before retirement?

50k a year (it increases with inflation) AND health insurance.

But you must give up the right to earn money. So if your job pays more or less, does not matter, you make 50k a year for life.

Would you accept that offer?