BeamerBikes

Just remember you can't be everyone's cup of tea.  Some people like coffee.  Even those that like coffee...  some are only paying for Dunkin, while others gladly fork over double $ for Starbucks.  In the end, providers set the prices, and the market decides. 

Just remember you can't be everyone's cup of tea.  Some people like coffee.  Even those that like coffee...  some are only paying for Dunkin, while others gladly fork over double $ for Starbucks.  In the end, providers set the prices, and the market decides. 

Just a general Kudos for everyone chiming in here.  My parents didn't take care of themselves - lied to themselves when doctors wanted to get more aggressive.  As a result, I lost one parent when I was 17 suddenly. and did long term caregiving for the other from 28 - 40yo.  Unmanaged diabetes lead to a major life altering stroke and eventually being bed bound.  
Diabetes is no joke.  Keep at it.  Applaud everyone for taking their health serious,  chiming in with advice and med experience.  

Just a general Kudos for everyone chiming in here.  My parents didn't take care of themselves - lied to themselves when doctors wanted to get more aggressive.  As a result, I lost one parent when I was 17 suddenly. and did long term caregiving for the other from 28 - 40yo.  Unmanaged diabetes lead to a major life altering stroke and eventually being bed bound.  
Diabetes is no joke.  Keep at it.  Applaud everyone for taking their health serious,  chiming in with advice and med experience.  

Just a general Kudos for everyone chiming in here.  My parents didn't take care of themselves - lied to themselves when doctors wanted to get more aggressive.  As a result, I lost one parent when I was 17 suddenly. and did long term caregiving for the other from 28 - 40yo.  Unmanaged diabetes lead to a major life altering stroke and eventually being bed bound.  
Diabetes is no joke.  Keep at it.  Applaud everyone for taking their health serious,  chiming in with advice and med experience.  

Just a general Kudos for everyone chiming in here.  My parents didn't take care of themselves - lied to themselves when doctors wanted to get more aggressive.  As a result, I lost one parent when I was 17 suddenly. and did long term caregiving for the other from 28 - 40yo.  Unmanaged diabetes lead to a major life altering stroke and eventually being bed bound.  
Diabetes is no joke.  Keep at it.  Applaud everyone for taking their health serious,  chiming in with advice and med experience.  

Just a general Kudos for everyone chiming in here.  My parents didn't take care of themselves - lied to themselves when doctors wanted to get more aggressive.  As a result, I lost one parent when I was 17 suddenly. and did long term caregiving for the other from 28 - 40yo.  Unmanaged diabetes lead to a major life altering stroke and eventually being bed bound.  
Diabetes is no joke.  Keep at it.  Applaud everyone for taking their health serious,  chiming in with advice and med experience.  

Mid 40s, currently working - not hiring much at all these days.  My vices are light gambling and strippers. 
At the moment, I joke that best case scenario my iBonds will be used for Whiskey and Whores (as in the Grand Budapest Hotel). My current plan is I will not have a mortgage payment to worry about in a decade.  I max out my 401k and IRA.  In the worse case, the iBonds represent the last resort funds to keep me from eating alpo. 
The real question can I push back from full-time work to enjoy quality years in semi-retirement. I'd hate to have saved up all for little real enjoyment. It'll be hard to switch from savings to spending.  My mom's perspective on retirement wealth after her stroke haunt me - what good does this do me now? It can't fix this.   Reminder that you can't take it with you and live while you're healthy too. 

Unless he's done something to personally spite you, the level of bitterness by some here is odd.
If they aren't for you, move on.  Putting constant negative effort into something just to make yourself feel better is the key trait of the brave keyboard warrior and classic internet troll.
People here have met with Alam and clearly enjoyed their time.

Moderator's note:  I'll be hiding all purely political posts. Feel free to start another thread in the politics forum, but this forum is about investing within the given environment.

Yeah I'm more worried this time around about brinkmanship and grandstanding resulting in an accidental/unintended default.  Still also a likely recession.  I'm in the tech sector and they are pulling back so it'll affect my employers bottom line.  
All that being said.  Fundamentals for most folks.  If you don't have an emergency fund, stop reading and figure out a way to build one before doing anything else.   Don't carry any bad debt - credit cards - big car notes with any non promo interest rates - etc.  Don't go crazy on big purchases.  Rent toys (boat/camper) than own them.   
Rest of the advice is age dependent.  Sock money away in index funds. Watch fees.  Read the fine print. If you can't understand how they make money, don't invest in it.  Sock more money away.  
I still have faith in the US market as least as in the best bad plan we have out there. I'm personally done with trying to pick the winners.  Index funds for the big money and dollar cost averaging.  

Don't look back!  Enjoy the new car AND more importantly enjoy no car payment! 
I don't subscribe the idea of cheap money loans on a depreciating asset.  Oh but cash flow, capital preservation, etc. When it comes to personal finance, it's much ado about nothing.  Car payment = another bill I have to pay and paying interest to a bank on top what I paid for the car. 
On top of that you used an RMD, which tells me you are fortunate enough to be required/forced to pull from accounts.  Just another reason to buy the car outright.  
My advice would be different if you voluntarily pulled the last of your emergency fund to buy the car outright.  That's not the case here. 

Christopher Daniel's wrote a memoir of "Money's on the dresser" it's been a while since I read it.  Covers the escort life in Vegas in the early 2000s-2010s.  It was an easy enjoyable read, but I can't remember any deep insights from it.  

Mid 40s, currently working - not hiring much at all these days.  My vices are light gambling and strippers. 
At the moment, I joke that best case scenario my iBonds will be used for Whiskey and Whores (as in the Grand Budapest Hotel). My current plan is I will not have a mortgage payment to worry about in a decade.  I max out my 401k and IRA.  In the worse case, the iBonds represent the last resort funds to keep me from eating alpo. 
The real question can I push back from full-time work to enjoy quality years in semi-retirement. I'd hate to have saved up all for little real enjoyment. It'll be hard to switch from savings to spending.  My mom's perspective on retirement wealth after her stroke haunt me - what good does this do me now? It can't fix this.   Reminder that you can't take it with you and live while you're healthy too. 

Happy Motoring.
I've paid cash for three of my last five cars.  The other's I paid off early simply because I got tired of the payments.,  Life is simple with no car payment, or mortgage.

Don't look back!  Enjoy the new car AND more importantly enjoy no car payment! 
I don't subscribe the idea of cheap money loans on a depreciating asset.  Oh but cash flow, capital preservation, etc. When it comes to personal finance, it's much ado about nothing.  Car payment = another bill I have to pay and paying interest to a bank on top what I paid for the car. 
On top of that you used an RMD, which tells me you are fortunate enough to be required/forced to pull from accounts.  Just another reason to buy the car outright.  
My advice would be different if you voluntarily pulled the last of your emergency fund to buy the car outright.  That's not the case here. 

Yeah I'm more worried this time around about brinkmanship and grandstanding resulting in an accidental/unintended default.  Still also a likely recession.  I'm in the tech sector and they are pulling back so it'll affect my employers bottom line.  
All that being said.  Fundamentals for most folks.  If you don't have an emergency fund, stop reading and figure out a way to build one before doing anything else.   Don't carry any bad debt - credit cards - big car notes with any non promo interest rates - etc.  Don't go crazy on big purchases.  Rent toys (boat/camper) than own them.   
Rest of the advice is age dependent.  Sock money away in index funds. Watch fees.  Read the fine print. If you can't understand how they make money, don't invest in it.  Sock more money away.  
I still have faith in the US market as least as in the best bad plan we have out there. I'm personally done with trying to pick the winners.  Index funds for the big money and dollar cost averaging.  

Yeah, it's a smaller government agency that's been making due with less since the 80s and now all the boomers are retiring.  It's next to impossible to scale to demand in older private companies, I can't imagine how the Treasury has been managing with this demand.
I'm sure the purchase limits on iBonds are in place to prevent the government from competing with private banks and the stock market/investment industry.   I'll tolerate it the poor customer service for the stability.  There's very little overhead / no service fees other than the 12 month lock in and 3 month early withdrawal penalty.  In exchange, there's going to be some customer service pains. 

Matt Heinz from Tuscon openly gay had a gentlemen caller getting dressed in the zoom background of a meeting.  Impressive! 
 

I dont buy eggs often.  As a result, Eggs aren't much of a direct concern, but its adding to baked goods in general.  
Eggs pricing has gone nuts because of bird flu outbreak causing a shortage so I hear. 

I dont buy eggs often.  As a result, Eggs aren't much of a direct concern, but its adding to baked goods in general.  
Eggs pricing has gone nuts because of bird flu outbreak causing a shortage so I hear. 

Yeah I don't endorse the comments. It's one of the main reasons I push back against any of hint of the narrative that gay men are preying on underage.  It's now seemingly acceptable to make that implication in the open again. 

Matt Heinz from Tuscon openly gay had a gentlemen caller getting dressed in the zoom background of a meeting.  Impressive! 
 

Matt Heinz from Tuscon openly gay had a gentlemen caller getting dressed in the zoom background of a meeting.  Impressive! 
 

Matt Heinz from Tuscon openly gay had a gentlemen caller getting dressed in the zoom background of a meeting.  Impressive!