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Recent content by westbranch

  1. W

    Verify that you hunt

    A few pics from the last several years. Stinky deadhead: Kitty while deer hunting. Blocked out the recognizable background that I am sure many people would know. Maui shore fishing: Wife with moose: Late night moose cutting up: WY
  2. W

    Anybody Buying Yet? Where’s the Bottom?

    I have some (small) risky positions in my HSA. If some of those penny stocks hit it big I can get all sorts of medical procedures done :ROFLMAO:
  3. W

    Anybody Buying Yet? Where’s the Bottom?

    If you can always get that timing right, great. And you should start a hedge fund. For 99% of people leaving it in is the best approach. With some mindful allocation adjustments based on risk, age, etc. https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/...
  4. W

    Tariffs

    Huh? https://taxfoundation.org/blog/trump-reciprocal-tariffs-calculations/
  5. W

    Anybody Buying Yet? Where’s the Bottom?

    Where/when has Trump tried to get spending down to acceptable levels?
  6. W

    Blunders of marriage

  7. W

    March Madness 2025 General Chat

    Enjoying the UConn and OU women's game in Spokane. Great game so far.
  8. W

    Roth vs. Trad IRA Benefits - even from converting LATE?! (like 70 y/o late)

    You are referring to regular Roth contributions which requires wages/earned income. It is specifically prohibited to convert RMDs to Roth. Roth conversions are a whole different game than Roth contributions. Plenty of people do them DIY but if someone doesn't understand them they should work...
  9. W

    This is why Bozeman is kind of annoying.

    I have still only driven through Bozeman and have never stopped. Probably 4-6 times a year since 2017. One of these years I'll have to check it out.
  10. W

    This is why Bozeman is kind of annoying.

    Ummmm, bad news: https://www.cbsnews.com/news/joann-fabrics-closing-stores-going-out-of-business-sales/
  11. W

    General meme thread - NSFW -

    At a friend's house:
  12. W

    General meme thread - NSFW -

  13. W

    Social security by the numbers

    Yep, say you retire with $1M in a 401k. Plan on 5% or $50k per year. If market goes down and you're at 900k then you would take $45k. The reality is most people will have fluctuating living expenses, trips, vehicle purchases, etc. so they might range from 3-6% depending on what is going on.
  14. W

    Social security by the numbers

    Yes and its generally conservative based on past market performance. So if the market is down and 5% is needed it should not kill someone's plan. But definitely more risk.
  15. W

    Social security by the numbers

    There are guidelines like the 4% rule. And tons of articles why 4% is too high and too low. https://www.schwab.com/learn/story/beyond-4-rule-how-much-can-you-spend-retirement
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