When did you exit your positions and when do you plan to reenter?

I never had positions to exit. Was on the struggle bus financially for a long time and even had to declare bankruptcy back in 2013.

I started making more money and finally being able to really save and invest in late 2020/early 2021 but with Covid and everything being all crazy I wasn’t sure of the market as I’ve had no prior investing experience and didn’t even have a 401k. So I started aggressively paying down remaining debts and saving instead.

Currently my only debt is my mortgage, which I should be able to fully pay off (well ahead of amortization) in the next five years or so, and I’m currently living well below my means to save for retirement. Currently I have probably 18 months to two years of expenses in the HYSA.

I was planning to begin investing and putting funds in 401k or a Roth IRA this year, but Trump happened and I’m as lost as ever. I prefer the safe bet of the saving yield right now to potentially losing a ton of money, seeing as the markets are just falling everyday from what I can see.

250k is not a very big nest egg for retirement.

No, but you can have multiple accounts and each is insured up to the FDIC limit.

At this point I think I have more like 18 months to 2 years in my HYSA right now. I aggressively paid down my debts and as of January this year my mortgage is the only one left, but I didn’t start having enough to seriously invest until the last few years (maybe 2020 or 2021) and I’ve been aggressively saving since while I figure out where to put the money longer term.

On the bright side, I’m making so much more than I spend that it’s likely I’ll have my 30 year mortgage (27 years remaining) paid off inside of 5 years while still being able to continue saving, and paying the mortgage off will accelerate my retirement options.

I have to admit, I don’t know that it’s the best option, but all my funds are currently in a HYSA.

Not as high return as the market under normal circumstances, but it’s liquid, and it’s been relatively safe at between 3.5% and 4.25% the last several years, and the times we live in are anything but normal.

Shit like this is why my LG C1 is restricted to LAN access only in my router (local network for automation purposes) and can’t communicate with the internet.

Shit like this is why my LG C1 is restricted to LAN access only in my router (local network for automation purposes) and can’t communicate with the internet.

I bought a Brother laser printer some years back for like $120 and am still working on the starter toner cartridge. HP can fuck right off with this.

The Shield TV should still dramatically outperform the chipset in the Nokia box. Shield will do everything it does and more, and runs a higher Android version.

https://gadgetversus.com/processor/amlogic-s905x3-vs-nvidia-tegra-x1-plus-t210b01/

Another chaotic neutral here. I need my vertical display.

There will always be people who seek to challenge themselves.

Others will want more money than is included with their UBI. What on earth would be wrong with people having a little more, as opposed to so many struggling, needing roommates, and so on? I imagine with an extra 1k-2k in their pocket monthly, a lot more people would buy or build housing, and a lot of service industries would boom with all the additional potentially disposable income.

Or how about people being able to retire, like actually retire, without stress. We could lower the retirement age, or people could retire independently from government assistance, leading to more available jobs for younger people as more roles transition away due to automation.

And frankly, I honestly don’t see anything wrong with some portion of the populace just living on UBI and enjoying life if that’s how they want to do things. Nothing wrong with people being happier, less stressed, and potentially mentally and/or physically healthier for it.

After seeing this post and the article, I just blocked my LG C1 from WAN at my router. LAN still available for automation purposes, but fuck letting that thing out to the internet now. Funny enough, it turns on faster, and no more notification splash at the bottom. Nice.