u/Hotdog453

So, over the last few years, I have had multiple newer Toyotas.

Wife has a 2024 Prius Prime.

I have a 2026 bZ.

We had a 2025 Grand Highlander, and a 2025 Crown Signia. Don't ask. I went through a lot of cars.

In every single one of them, the wireless charger is bad. It either never charges quickly enough, the phone doesn't get hit with air so it gets hot, or it just, generally, "doesn't work".

The over-arching thing is: Why? Why does Toyota continue to add these to cars, and they not work very well? Is this just a market thing, where you HAVE to have it, so therefore, "fuck it, here it is?"

And if so, why.... not do it right? Clearly Toyota has a QA department, clearly they do a lot of work on the interiors, and to continuously, over multiple models, release chargers that... just don't work well, seems like a wild oversight.

Hi all!

I'm looking to get into dividend stocks for retirement/long term growth, and I have some sanity check questions. I've been screaming back and forth at CoPilot, but quickly recognized that I'm always right, and it loves me ;)

Background:

40. No kids.

200k income

Wife makes ~50k.

LCOL

401k has ~850k, target 2050 fund. Not much I can do there, really. 1600/month going into it.

Wife's 403b has ~120k, again, target fund.

My IRA has ~50k, VXUS. I didn't really 'know' much about dividends/have an interest when I started clicking.

Wife's IRA has ~30k.

We're maxing both of those now, every year, but... well, I can't just add more over the 7500$/year. My bad, should have come here 10 years ago... but don't look backwards :)

HYSA has ~100k, which calculated out, would cover living expenses for... well, awhile. Since the assumption would be we'd cut to the bone, and we would not, ideally, BOTH lose our jobs, and could 100% just survive on her salary, albeit with less trips to the brewery.

For the intent of this discussion, I kinda want to just assume my 401k/IRAs will continue on. I'll continue investing there, but to me that's not really "active". They just exist.

My intention for my brokerage is to add ~4000$/month. I am really keen on the idea of dividends, as it scales up over time; showing, quite literally, a decent amount of cash/year after 10 years. It's just math, at some point. I also *HATE* seeing "number go down", and I know, mentally, that if 'number go down', I would freak the fuck out and just sell shit. That's a *ME* issue, not something we can fix, but hence the dividend push.

Focused question, hah: For taxes, I know I'm going to hit the NITI, 18.8% or whatever. Do I try to 'use my brokerage' to pay that? IE, invest 80% into SCHD, 20% QQQM/SCHG, and then sell some of that gain? But if that gain doesn't happen, then I'm screwed anyways, and would have to use the dividends to pay the taxes of the dividend...

My intention is basically: I invest. I pay my taxes via the brokerage itself, through <Something>. I know I'm basically asking for the impossible, and again, if you use ChatGPT/CoPilot, "every solution is fantastic!", so I'm curious what people are *actually* doing for high-return (after time, obviously) focused dividend investing.

I was not able to find anything online on this, beyond some articles from Dell.

It looks like 'newer' Dells (We're seeing it specifically on the Pro Precision 5), really like to have a BIOS on the hard drive. "Neat".

Well, this goes tits up with OSD, where you wipe the drive.

Dell Pro 14 Premium PA14260 Warning BIOS Recovery Image Missing | Dell US

There's articles about it. And they're just like "lol sucks to be you".

This error pops up right after applying the OS. And seems to continue 'forever', until 'something' triggers, or you force the BIOS back on. Which... well, DCU doesn't do. So you legit have to "reinstall the BIOS", which is *insane*.

CCTK, however, does have a fix for it. We do CCTK stuff in OSD, since I am old and I hate Powershell. This command:

Dell Command | Configure Version 3.1.2 Command Line Interface Reference Guide | Dell UK

Does work. Disable in WinPE, before rebooting, then, at some point later, "Enabled", to make it come back.

Dell seems to be actively 'fucking' people over in OSD land; DCU doesn't work anymore, and they're doing stuff like this. I honestly don't know if they simply have no idea this is annoying as fuck, or if they're actively engaged in some sabatoge against OSD; it really begs a ton of questions about what they're doing internally there.

I've given this feedback to our Dell reps, and I suggest everyone else too. I do love this in premise; IE, hey, BIOS recovery on the hard drive? Pew pew pew. But like dude, wtf are we doing?

So, I am kinda dumb. I directly deposited to my Roth IRA instead of back dooring it. I am over the income limit for a direct Roth.

I have invested all the 7500 for this year; SCHD and such.

Robinhood has a recharacterization form. In it, they set you need enough withdraw able cash in the originating account.

Does this mean I need to sell the investments I made with that 7500$ to have it be withdrawable? I assume so, but just trying to align what I need to do.

Thanks!