Remember that on Linux everything is a file

Wonder where this is

His little tail 🥺

Tiger Narcissus

Thought this was a photo from the thumbnail. Need to check out this artist’s other work!

It does not spark joy.

This might be my favorite one yet.

Makes sense!

I could certainly wait longer than 5 years if necessary. It depends on where life takes me.

VT or VTI would be more tax-efficient than a TDF, then. I could diversify in another way: put some percentage of money into VT, and then the rest into, say, a CD ladder. Maybe start out with VT then taper towards CDs/treasury bills around the 3-to-5-year mark. A DIY TDF, if you will. (I suppose that’s the “personal” in personal finance.)

Thank you for sharing your perspective!

Thank you for finding those!! Yeah I am flexible, no rush. I will keep learning 🧐

Thanks for sharing!

What vehicles do you use for non-retirement savings? I’m happy to learn.

Thank you. My idea is to grow the funds and move them to CD/HYSA when I start looking. I don’t plan to stay in my current city longer than 10 years, and for that time frame renting is more economical.

Good point on the volatility, thank you for pointing that out. TDFs are decently diversified and I have a strong stomach so I’m not super concerned.

I’m also considering doing a CD ladder or a T bill ladder but the idea of just auto depositing money into a brokerage is appealing.

Your wife sounds like a go-getter and a badass!

Okay, I vote for picking one of those at random

Pecan pie?

Peach cobbler?

Hadaka jime 🤔

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