u/OHVAH_REES

I am the wife to a potential o/o. I am doing my due diligence before my husband and a partner go into business together. I am running numbers and I am finding I have a few assumptions I need to make, and I don't know how reliably I can make those assumptions.

They are discussing working lanes from las vegas, NV to Dallas, TX to Denver, CO back to LV, NV. They are looking to do a non CDL set up with probably something like a diesal Ram dually with a 30' goodeneck trailer. They still need to make the purchase and my husband wants my ok.

So, my biggest assumption is this. They will be running their own new MC, how realistic is it that they will be able to get these lanes, lv to dal to denver to lv 3 or 4 times a month straight from the get with no experience and no connections and 100% using the boards. If i understand correctly it can be difficult to get work with a new MC.

There are other assumptions as well but this one is the biggest. I know if they can do that, than financially it can makes sense, but if that is in no way shape or form realistic things get expensive fast. I want to confidently give my husband and his friend the green light but I am stuck on this one thing. Any help is wonderful :)

Bonus question: any one have experience with 2 driver hot shot teams with a sleeper berth conversion kit? My understanding is even in the crew cab SB while moving is illegal?

Hi everyone!

I am 35 and maxing out my 401k, roth, and contribute to an individual brokerage. In my 401k I chose a TDF as a easy investment option. However I see it has only returned 11% over the last 3 years, is this acceptable with the bull market we have seen or should I change my investment elections? My options are very limited which complicates things, but the 11% feels unacceptable when such a large chunk of my investments are going to my 401k.

Below are my available stock options and their expense ratios:

AF GRTH FUND Amer R6, .29

PUTN LG CAP VAL TR IA, .33

FXAIX, .015

FSMDX, .025

EAGLE MID CAP GR F, .49

JMVYX, .7

FSSNX, .025

JGMNX, .67

NDVVX, .87

FSGGX, .055

RERGX, .47

FPADX, .075

If I were to pick a two fund portfolio I am looking at 60% FXAIX and 40% RERGX, but I am wondering if that isn't diverse enough for bogleheads.

Should I have faith in my TDF or which stocks would be the best option? At the end of the day I am happy to set and forget it, but the 11% strikes me as ridiculously low considering the market the last three years, I just want to be smart with my investments! Please advise, thank you!​

EDIT: Looks like the ROR 11% is YTD, over the last three years it is 15.96%