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Joined 2 years ago
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Cake day: June 16th, 2023

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  • I thought that’s genuinely how they did it at high end restaurants to make sure you have a perfectly portioned bit of pasta cooked to the right doneness. I swear I’ve seen this method on Hell’s Kitchen.

    Granted, I may be thinking about something else vs what you’re talking about but still.






  • You gotta remember the time horizon, even with historically bad presidents in office, if you smooth the line of the stock market returns over 10, 20, or 30 years, it ends up looking like a really, really good as an investment opportunity. Especially if you’re into dollar cost averaging.

    Basically, if Trump tanks the stock market by going way overboard with things like tariffs, that would (at least looking at historical trends, I’m no financial expert or anything) make for a killer time to buy into the stock market because you’re getting stocks at a “discount.” Then when a different president / legislature comes into office, and if they turn around the economy, your investment would rise faster than otherwise expected.

    Again, you gotta do what’s right for you, this isn’t me saying you should absolutely invest or anything, especially if your basic needs aren’t met or your emergency savings aren’t at a good enough level to last 6–12 months unemployed. This is just how it has been for the last ~100 years.


  • I’m not certain why they have HSA after 401k and IRA, but some possible things I can think of:

    • HSAs can be harder to take advantage of of the triple tax benefit if you’re retiring early (that is, still younger and healthier)
    • HSAs probably have worse investment options than an IRA
    • Allowing the user to optimize their Roth vs Traditional mix

    Again, I don’t really know because you’re right about the HSA triple tax advantage making it seem better than IRA or 401k, but I’m sure there was a reason given if you care to trawl the subreddit.