u/velvetcrow5

You get the reward as soon as you click "Start conveyor"(or whatever). Right after you click that, click profile, and do the next one.

Unrelated - If you need a ref code (free 1000 TB) : TM-Y5SUU ☺️

Is this normal...? I tried clearing cache/reinstalling and it's the same.

Person with gun threatening to kill themselves.

All lanes closed.

Edit 12:36a. Appears to be opening imminently https://x.com/wspd1pio/status/2078741717600399443?s=46&t=swrhKQ1I0RtEEoWCiXBo3Q

USA sets an income limit to Roth IRA. In 2026, if you make more than MAGI 168k/yr single then you receive hefty penalties if you contribute to a Roth.

However, there is no income limit on Traditional IRA. And there is also no income limit on rolling over post-tax contributions from Traditional to Roth.

So all this law does is punish the uninformed and create needless bureaucracy loops for those who know better.

Is there a better example of stupidity in the US tax code?

I have a very complex tax situation which has been made more complicated by getting a recent promotion - my gross is now 157k/yr, little too close to the Roth cutoff.

What makes it murky is my partner and I owe 9 rental properties however he is a "qualified real estate professional" and that combined with our doing a Cost Segregation means his annual income becomes a very large "loss" and that is able to offset my taxes. Last year we got a 35k refund.

Anyway, my tldr question - aside from the bureaucracy is there any reason *not* to do a backdoor Roth?

I've held PHYZX for a bit. I like the monthly dividends a lot and the return is quite good.

How does it compare to SCHD / why would you choose SCHD over it?

Over here mathing... Max contrib x3 = 73500...

How are y'all posting balances going from eg. 150k to 750k after 3 years?

400-600k returns over 3 years? That's insane?

Am I missing something? I could contribute more but afaik the limit is 24.5k/yr.

Eg. https://www.reddit.com/r/Retirement401k/s/Xp8etFvz2S

Just curious, I started with Schwab, no idea why back when I was 18.

Notice this sub is nonstop VOO / etc.

I recognized the Cost Ratio strat fairly early on (Suzie Orman) but have always kept to MFs vs. ETFs. (Schwabs' equivalent likely being SWPPX)

So - Why is Schwab so rarely used for Roths? Is there a distinction that's worth looking at b/w ETF and MF? What would be a Schwab etf equivalent to an index/"VOO"? Schwab only allows automated investing for MFs, can't do this with ETFs.

I do not day trade or sell off, typically just DCA buy on a monthly recurrence & am 40yro if relevant.

Our group is new to GH and started with Jaws and loving it.

Then we hit this mission and it just feels like a abrupt +50 brick wall difficulty out of nowhere.

We just kept ending up with 6-7 imps and 3-4 blood imps, all doing ranged 3dmg + poison or 1dmg x2 targets.

The closest we've gotten is clearing middle and then killing last table. We did this by rebuilding decks to be heavy melee and then rushing tables. But then we got stuck with imps BLOCKING the tiny rooms so we couldn't get to the tables...

I can't imagine anything other that this scenario is way overtuned. Has developer chimed in? Any house rule that makes this scenario a reasonable challenge? Or are we missing something?

Is it normal to feel completely shut down as rats playing against vagabond? I didn't get any ruins because he just gets them way faster.