How fucked are we?
>>61943634yeah, its grim
>>61943619How? China can buy discounted russian oil
>>61943605IS 11% NOW AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA
>>61943620>>61943625America produces more oil and gas than any other country in the world, China imports almost all of its, so if oil goes to the moon it's the Chinese who are fucked
>>61943605worth it to support israel. MIGA!
Google and every AI keeps telling me to max out my Roth, but I’m not convinced.I have about 150k in my brokerage and 50k in my Roth. I have 22 years to save.Why would I have 7k a year into my Roth when I can dump 15k into a brokerage? Why would I split it up? I’d just wind up with a smaller amount, even after the 15% capital gains tax.But all the research I do just screams at me to max out my Roth. I feel like I’m taking crazy pills.
>>61943073Very rarely. I keep most of my brokerage in Vanguard funds; it’s more of a set it and forget it kind of thing.My Roth is absolutely more actively managed, as I hold just stocks in it. I have also bought options in it as well. But is your tax free, limited investment account really where you want to be playing the risky trades?I understand the benefits of being able to sell without tax in a Roth, but if you are like the retards on here and play the market like a casino, you’re going to burn through your contributions. And those are contributions you cannot just replace.
>>61943001The only reason to not utilize a tax advantaged account, such as a roth ira, is if you legitimately plan to retire very early and lean enough that you must utilize all of your funds to do so before retirement age for those accounts.>$14k in a standard brokerage account>$7k in a standard brokerage account, $7k in a roth ira>$7k in a standard brokerage account, $3.5k in a roth ira, $3.5k in a traditional ira>$7k each in two different brokerage accountsEvery permutation means you have $14k invested in VOO compounding identically.From this, again assuming you will not need all of your money before "retirement age," you should be maxing out tax-advantaged accounts at every opportunity. As an additional consideration, if there is an employer match for one specific vehicle, then that would beat anything else.A Roth account protects your retirement years by guaranteeing a tax free income stream which is useful if 1) you will retire utilizing so much money that it would result in more taxes paid later on than while you are currently working or 2) the government decides to become a socialist hell-hole and tax the shit out of you by retirement age.A traditional IRA protects your retirement years by reducing your current taxable income by the amount you place in it this financial year. This could bring you below the next tax bracket wasting less of your money, or simply reduce the amount paid in the current tax bracket and effectively giving you "more" to invest right now (It will all compound the same, but if you can only budget out $6,500 in a Roth or $7,000 in a traditional IRA because of the immediate tax benefit then you would realize an advantage in compounding on the additional $500 you managed to save from avoiding taxes today).Comment too long. Click here to view the full text.
>>61943148It’s like you retards keep ignoring the starting amount in each account.I understand all the tax advantages, but saving 7k on a Roth starting at 50k and saving 7k in a brokerage starting at 150k will ABSOLUTELY yield less than just dumping the entire 14k into the 150k brokerage for the next 20 years.This is assuming you invest in the same thing in both accounts.And IRAs are fine, but you are going to have to deal with RMD, something Roth and regular brokerage avoid.It’s just a numbers game. Yeah, you lost out on the tax free shit, but your 150k is going to snowball much faster than 50k. Again, this is assuming you just park your money in vanguard funds and never move it. Your gains will easily beat the 50k Roth, even after the 15% capital gains tax.It’s just basic math.
>>61944198It can't be possible to be this fucking retardedYou realize that the same investment compounds the same no matter how it's placed, right? If you had 100 accounts of $1 each, that would be equivalent to 1 account of $100.Putting $100k into a regular account and $50k into a roth ira will give you the same gains as $150k into a brokerage, except now you pay less taxes on that $50k.
Roth IRAs are great if you are dividend maxxing, no extra taxes on those dividends
How can we improve our /biz experience, guys?
>>61944020wait, really? thanks you beautiful faggot
>>61944146Wait until you find out what regex is, and how easy it is to make regex rules in the age of AI.
>>61944155Do you know how to avoid captchas by any chance? I'm tired of bending over to 3/3 annoying shit captchas every time i just want to type "kek". Posting should be fun
you guys need to add terms to a single line like thissminem | snail | link | schizo | etc..
>>61944272I registered my email like a cuck so I only get one easy-tier captcha, if at all. I think it also depends on geographic area, ISP, and maybe even how long you kept the same IP.
Bye bye rate cuts
>>61940828Buffet timed the top with his retirement and gigantic cashpile.
>>61938715well, obviously, I just decided to finally put the 100k I had lying around at only 3% into the market.so naturally it must go to shit now, and will probably take 1-2 years to recover.
Can we just get it over with and let this shit all crash 80% already.Sick of hearing about an "AI bubble" now everyone has forgotten that and hopped on the war train.Whatever the cause, let's get this 2008 pt2 rekt bugaloo underway.
>>61938715High interest rates is the only thing keeping this economy from hyperinflating and going the way of Weimar Germany. Unironically, a financial market correction would deflate stocks and commodity prices bringing purchasing power back into the dollar. Cutting interest rate, increasing lending and creating more fiat money will cause hyperinflation and make consumer food prices so expensive you will end up owning nothing and not being happy. Tight money=strong dollar, low rates combined with easy money equals weak dollar=more price inflation. The Fed needs to keep rates fixed and never print another new dollar this century.
>>61938762Everywhere with a Central Bank is Jewish Owned.
Previous: >>61895555 Rape spammy to death>Buy XRP on:Coinbase, Binance, Bitrue, Uphold, Robinhood, Kraken, Kucoin, etc>Why hold XRP?https://youtu.be/5urrOWO0KDI >Newfag Tutorial:https://youtu.be/23Yn5GdYpJc >XRPL Guide:https://xrpl.guideComment too long. Click here to view the full text.
>>61942172Bro, bro definitely bro, bro.
>>61943027I would love to use a hollow point bullet so your head fucking explodes that would be glorious to watch
>>61943810Hollow-points fragment and shred tissue and organs while limiting over-penetration. What you want for Spamela is a Dum-Dum Bullet. It is heavier grain with a flat face so when it hits, the kinetic energy is rapidly and violently transferred into the target so the head will literally explode; your desired outcome.
>>61944075Guys... Use your brains... She's in the usa illegally after overstaying (or being terminated) her H1B visa. She has that holier than thou attitude that brown people adopt when they move to the usa and are treated respectfully by the system. All you need to do is report her to ICE. I keep telling you this. One day you'll burst in here with the same idea and claim it as your own. I did years of martial arts but I found that the most effective move for self defense was tapping my fingers on my phone to dial my lawyer.
Guys schizo chicken lady here. I have a new theory on what's causing all the disease in the usa - heart disease, Alzheimer's, psychiatric disease: thiamine deficiency. I suspect that the fortified thiamine added to all our wheat products interferes with natural thiamine (B1) deficiency. I've been struggling with chest pain and neuropathy (numb right arm) for two years. Started on benfotiamine supplement (fat soluble vitamin B1), stopped eating bread, and also started magnesium glycinate. Within just a few days I've got my strength back, the feeling returned to my fingers, and chest pain is gone.
Come here bobos. Bulltrap is finished, Bitcoin will never be over 70k ever again after today.
There are bulls going all in on this dump right before the great crash of 2026
Why is Oil exploding?
>>61943787
WHHHEEEEEHHHEHEHEHEHEHEEEEEE
African American day before the j*wish Sabbath
Have a very negus friday my friends.
DANCE, WAGIE!
>>61943844Just answer "No", then go to the next question. Not that hard to do. You people sound like pussies thinking you actually need to fill out all the questions.
Upload this
>>61943848They're just not working. Chances are they will catch the anyway when they are robbing then or worse.
>>6194384499% of the people get filtered here. You're supposed not to send anything, no one wants to hire a bitch with no self respect that dances for their masters
>>61943844What's to stop someone from sending them nasty shit like scat videos over and over? Would be funny to see if they took down the requirement.
Let's say you're crypto salesman. Sell me your crypto as if it was your job and your life depended on it. Let's see if you are a real vendor, if I am persuaded I will buy your crypto and post proof
>>61944141Buy my shitcoin, im giving you early access before the pump and first dibs before the dump.
>>61944141But I don't want to sell you my BTC. It's mine. Go get your own BTC.
Ironically and unironically the best reply
>>61944141I would watch a bunch of Saylor interviews and repeat the same.
>>61944141Sell? No, I think I'll keep it.
Should I buy the dip bros?
The playercount does not matter.
GASS COST TOO MUCH!!!AAAAAAAAAAAAAAAAAAAAAAAAAAAAA WHAT THE FUCKKKKKK STOP IT YOU ASSHOLESSS!!!!!
It's that time of that day of that week of that month of that year of this life on this planet gentlemen
stale forced meme
Today's critical. Why? It has been hard for Americans but they're finally accepting the current situation is not one of those where Trump can TACO out. It might end up being Trump's biggest mistake in his life. And you have to add that all the bad news happen friday night. >Pic relatedOne of the many shorts I open yesterday. Best entry ever at the top of the refusal days AMericans had during this week.
>>61943957Forgot pic
NIGGER UNIVERSE
>>61943940>stalewas it ever fresh?
You put your money in a bank, they pay you nothing, yet they somehow build big, shiny buildings every single year. Is that fair?
>>61944173he should wear a different shirt with those panties tho, the contrast in colour is bleak. Also the belt should be of a lighter colour
>>61944173Nobody's forcing you to put your money in the bank. It is your choice. You are doing this to yourself.
Is your wealth quiet, /biz/?
>>61940154Based. But ideally you'd have a container that's "quieter" than an ammunition box. Something that looks so normal and innocent that, if a guest saw it in your home, they wouldn't think anything of it.
>>61938137If you weren't part of the top 10% in 2025, you're lower class
>>61938137Don't you have a phone to tell the time? There's no way I'd consider wearing uncomfy shit around my wrist.
My wealth is unspoken (Non-existent).
>>61938137I wear a $100 Casio and have 1 Bitcoin.
>>61943331But what if I want the oilI want to take physical deliveryWhat's safe is safe
All the retards in here that just blindly raging at their phones because a photo says breaking news on itIs this real? I sure as fuck don't know, my only source is OP's image that says BREAKING NEWS
>>61941761Didn't he already have an episode of insider trading with crypto?
>>61943313Circumstantial evidence is enough to get jail time and there's a lot of it, and it wouldn't take much to justify a warrant. It'll never happen though, Trump getting out of everything in the past few years is clear and definitive proof that some people are untouchable>>61943999Multiple episodes
>>61941796democrats will be too cucked to cross the rubicon and ignore presidential immunity. meanwhile trump breaks laws left and right (ignoring supreme court ruling on tariffs etc.). kek.
I am looking for alternative housing that is at least 2x-3x cheaper than regular.Even though pic rel was apparently only 25% cheaper at the time in the 40s. I do not want some card board bullshit. I want something that can also last more than a life time. Are modular/prefab homes worth it? They seem to get increasingly popular.I have hard time trusting the quality of anything nowdays.I do not want to buy some cheap cuckshed that only lasts 15 years if I am lucky. Or should I just buy a big yurt? Traditional mongolian yurts cost pennies compaired to everything else.
>>61944216container homes maybe?
I have no plan and no skills.
>>61942693Getting fired is the worst. Better to crash out on your own terms.
gimme the address, ill go upper decker the toilet
>>61942693Should've crashed in
>>61942693hi snail
>>61942693You crashed out and now you're shot out. Nice goin, retard.
If this war goes on for longer than a month, what's scenarios might play out?>East Asian manufacturers produce hardware for American giga AI data centers >oil shortage along with LNG causes energy crisis in east Asia >Prices for electronic hardware will Only go more up >American companies can't finish building out these Large AI data centers >Scaling slows Will AI bubble pop cause of this
>>61940736>>Prices for electronic hardware will Only go more upAnd yet my hardware stocks are tanking and taking my 10000 dollar portfoolio with it.
>>61940736China wins. Iran is letting their ships through and Trump's too much of a weak clittycel to stop them.
>>61940756>China wins. Iran is letting their ships through and Trump's too much of a weak clittycel to stop them.But China is also dependent on Gulf oil and Iranians are striking them along with the US.
>>61940760Practically all the Gulf oil still being made is being sold to Chinese because they're the only ones willing to pay for it
>>61940736Been hearing that bullshit for decadesGet out of the fucking way and the market will sort it out. If the market didn’t sort it out you were still in the fucking way and should kms yourself
Trump says he has no time limits on war And your not selling?
>>61943291He cannot do much about it
>>61943011Why do you fucking retards react to every headline not realizing shit is being spewed to create fog
>>61943298Imagine how retarded you have to be to say that.
>>61943291>>61943304Why do you losers move heaven and earth to try to make trump look good when he's obviously shit. Your cope over correction makes him look worse even.
>>61943011>when you go off to war some people die>no one in my family, that's for you go- i mean guys, you know, dealing in the real world
Since when are people not rewarded at their jobs for their skills but for licking their bosses poopy assholes?
>>61944118since the dawn of times, anon
>>61944118since forever.
Always has been, always will.
>>61944118In non Aglo White countries since a few decades.In nonwhite and in anglo countries forever.
