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  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

    March Madness 2025 General Chat

    Enjoying the UConn and OU women's game in Spokane. Great game so far.
  7. 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...
  8. 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.
  9. 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/
  10. W

    General meme thread - NSFW -

    At a friend's house:
  11. 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.
  12. 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.
  13. 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
  14. W

    Social security by the numbers

    I have seen some crazy examples of this. Usually sales people across various industries. One guy making 400-800k for the last 8+ years and can't come up with $20k for a tax bill when his withholding was too low.
  15. W

    Elon on Joe Rogan

    I miss the JRE of 10 years ago. Hardly listen any more.
  16. W

    What is the nastiest place where you have found elk

    I am probably over insured. My wife will be able to afford having multiple boyfriends.
  17. W

    What is the nastiest place where you have found elk

    I really want to pack raft it. But definitely need a lot more experience. The lower river is hard to scout and large amounts of wood, lots of class IV and no current reports. Need to find some more experienced people that like an adventure.
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