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Talking stocks, trading, and investing in general

Piobaire

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Have you also thought about making less money?

bush-good-job.gif
 

Piobaire

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wasn't that a one time thing though?

I had a huge one when I left my long term gig but would usually get a federal return of about 20k back that I was ribbed for giving the government an interest free loan...when savings accounts were paying under 1%.
 

Texasmade

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I had a huge one when I left my long term gig but would usually get a federal return of about 20k back that I was ribbed for giving the government an interest free loan...when savings accounts were paying under 1%.
But you could've tendies that $20k refund all year so really you're missing out on 100% return.
 

brokencycle

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Want lower inflation? Lower interest rates.

I don't know what is worse, the logic or the writing.

 

jbarwick

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Texasmade

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So meme stocks are back, huh?
One of my friends likes to day trade FFIE. It normally trades in the 4-5 cent range and sold out of his position on Friday making like $50. He was thinking of buying back in on Monday and told him to YOLO which he decided against. Current price today
1715704446520.png


He's kicking himself for missing out on what would've been nearly a $100k hual.
 

HRoi

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Does anyone use a decently comprehensive retirement planning tool or software that they like? Either free or not free?
 

Piobaire

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I play around with the Fidelity one (where we have our funds not in employer funds) but have yet to come across one that's really worth the effort, IMO. I think the curve in retirement spending is at least bi-modal, if not multi-modal, and I have yet to find one that will let me create such a spending curve. If you do, let me know!
 

Texasmade

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So with the run up today, my friend that likes to day trade in FFIE texted me that he missed out on potentially $200k hual if he would've held on to FFIE over the weekend until today. It's up over 100% today.
 

HRoi

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I play around with the Fidelity one (where we have our funds not in employer funds) but have yet to come across one that's really worth the effort, IMO. I think the curve in retirement spending is at least bi-modal, if not multi-modal, and I have yet to find one that will let me create such a spending curve. If you do, let me know!
I’m currently on Fidelity too, mainly because they’re my brokerage and the tool is right there. I vehemently agree that retirement spending is multimodal (like me, I’d probably spend the **** out of my nest egg until I’m too old to travel and drive sports cars).

The modalities on the investing side is pretty much covered by any tool that does Monte Carlo analysis. I’m struggling on the spending side but if there’s a tool that i could input my projected spending every year from Year 1 to death, then that takes care of our problem.

I’m also looking for something that can also model out tax minimization strategies…i haven’t found anything out there that can even touch on Roth conversions
 

UnFacconable

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I’m currently on Fidelity too, mainly because they’re my brokerage and the tool is right there. I vehemently agree that retirement spending is multimodal (like me, I’d probably spend the **** out of my nest egg until I’m too old to travel and drive sports cars).

The modalities on the investing side is pretty much covered by any tool that does Monte Carlo analysis. I’m struggling on the spending side but if there’s a tool that i could input my projected spending every year from Year 1 to death, then that takes care of our problem.

I’m also looking for something that can also model out tax minimization strategies…i haven’t found anything out there that can even touch on Roth conversions
I think firecalc is pretty good for this. It lets you flag spending changes over time (as well as deferred comp type things). I found it useful for evaluating assumptions around say sale of primary residence in some future year (or anticipated future liquidity events).
 

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