What is your breakdown per fund? Look at the performance of each one.

Ideally you should simplify to a 3-fund with appropriate allocations or just a target date fund.

I know all about that stuff. The inspiration for German eugenics laws came from the US, anti-semitism in the US prior to WWI, etc.

Posting this “meme” without any context then don’t be surprised when noone takes the argument seriously.

Is this supposed to be propaganda? Or just a joke? I’m baffled by your point.

It’s not as safe as you think. In normal situations, market orders fill almost instantly.

If the market drops below your threshold due to major news, like the Covid shutdowns, your sell order will enter a queue. Depending on the ability of your brokerage to execute orders in competition with the rest of the market, your sell order may complete quickly, or not. You’re potentially taking a huge loss.

I’d recommend building up your savings account. Getting more than 4.5% in a risk-free HYSA is an easy choice in this case.

I intentionally left out the location.

Personal finance, like legal advice, is region specific. Like Reddit, there are PF communities, like [email protected], to get specialized advice. The main community is treated as US centric.

Curious what others think.

Yes, but it’s about a major tech company, so maybe it fits? NBC filed it in their ‘Tech News’ section.

I’ll check it out, thanks.

Charts in Ynab4 were fairly sophisticated. For example, I could easily drill down into categories on monthly income/expenses. They also looked great since the devs put a lot of thought into the UX.

I switched to Moneydance after nYnab came out and Ynab4 was killed off. I’m not an adherent to Ynab’s budgeting philosophy and I didn’t see the worth in the monthly fee.

Like Ynab4, Moneydance is a standalone product. It’s manual accounting, which I don’t mind. It’s quick to enter transactions, has a nice summary view, and can backup to separate locations. When I decide to migrate, I can export my data to QIF or other formats.

This is absolutely true. I don’t enjoy hunting down PF articles to post, but I want to keep the community active and growing.

Used Gnucash many years ago. I’m comfortable with double entry bookkeeping, but the charts and reports were disappointing.

I switched to Ynab and then Moneydance, which is okay. If the charts and UI has improved I’ll take another look at Gnucash.

Actual Op-ed title

Like It or Not, America Needs Chinese Scientists

It’s not just about the years spent in retirement, but what you’re doing. This is something I heard from a financial advisor - Retirement happens in phases.

Go-go phase. Years spent in relatively good health. Add extra budget for travel or big-ticket items to enjoy, like an RV.

Slow-go phase. Staying close to home, maybe spending time with grandkids. Increased medical bills.

No-go phase. No travel, but largest medical bills.

That’s the idea behind the prototype. The sonic booms are lessened so overland flights will be permitted.