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So is there anyway to abuse this and funnel money into roth IRAs where you can then invest it how you see fit?

I have been wondering the same thing. I currently have about .75 years income in cash (inheritance) that could be invested right now. I am thinking I should just hold my nose, and hope the market slides as I add contributions.

Well, I am not quite sure where my annualized numbers are going, but it appears that I am near around 330 for groceries and 100 for eating out (2 parents and newborn). I would really like to push these numbers to 300 and 100. I think with the wife staying at home will really help this.

That is great OP. Don't worry about going to slow or being behind. You are still in the relatively linear accumulation phase. As time goes on, the compounding effect should start to take hold.

I am pretty certain these folks would still be having quite the retirement, even if they couldn't house sit.

I will really never understand government bond "math". How is it that long term rates went to 15-20 percent in the early 80's when our debt to gdp bottomed near 30%-40%? Yes, inflation concerns were quite different back then, but still, it really makes me wonder sometimes? Are there fundamental...

Your original statement gave the impression that the small element of savers in our consumer society are somehow benefiting at the expense of non savers. All of the improvements we have today are because someone decided to make an investment for tomorrow. The more savers the merrier.

So you actually believe that the fat dumb consumer at a box store is what improves economy and people's standard of living? I think you will actually see the data and economic theory point out that higher rate of savings are directly correlated with higher levels of economic growth.

Hoarding onto food/guns & ammo/water is not a bad idea either. Hoarding food doesn't even cost anything as you rotate it into your food supply. Having guns and ammo is good fun and the good old fashioned american thing to do. Having some stored water is just the basics of risk mitigation as no...

The bogleheads are right. This is mental accounting bias where an investor divides their money up into groups and thinks each one can accomplish a specified function (safety/growth/high inflation/low inflation/etc.). Instead, you should look at the entire portfolio and allocate it such that the...

If I could go back, I would tell my self to borrow as much money as I could and invest in S&P otm call options. -Currently 23 and last year was a good one for stocks.

As a lover of the precious metals, I can only hope that the majority of investing public keep shying away from Gold/Silver and that the price continues its retreat. To me it is insurance on collapse. Bank accounts, 401k, roths, etc are all digital promises that could all go poof one day. I like...

5% would be an awesome real return. I am planning for 3% real return personally. At the end of the day, all we can do is save as much as possible and let the chips fall where they may.

I am young (only 23) and my naive goal as of now is to have 100% in equities and only require 1.5%-2% to cover all my expenses. My ultimate goal is to have my portfolio reach escape velocity where my expenses are not enough to hold it back from growing over time.

If you are going to make an attack, at least do the kind gesture to point out reasons for your disagreement.

How about call them on their bs and let the chips fall where they may. The reason the whole system will collapse is because it is based on fractional reserve banking. Every single $ has 10 claims against it. They signed up to operate in such an unstable fraudulent system and they have to bear...

Constitutionally Protected? I don't believe government pensions should be covered under any sort of contract law. I didn't sign any thing and was born into this liability, how is that a fair deal. As far as the government workers not getting their pensions, they can still get them, if the people...

If I were you I would invest it all just at the point when you feel that you will miss the boat to perpetually higher levels in stock markets. When you make this transaction, be sure to inform the rest of us, so we can switch allocation from stocks to bonds. Just kidding. I know the feeling of...

Just the mere threat to slow down the increases of QE will seriously spook this market. If they stop or sell securities, watch out below.

You have kids? That is quite a savings rate.

Should mean some more room to run.

I recently signed up for a priceline rewards visa credit card for the sole purpose of getting 2% cash back. I had been very hesitant, as I hate debt and especially credit cards. Anyway, I went with the decision and set everything to autopay with my chase checking.

Yep. Two most beloved Facts about Andrew Jackson: 1. Paid off the national debt. 2. Killed the National Bank! The Best Quote imo Given quote number 2 and his revoking the national bank's charter, what kind of sick joke were the men at the mint thinking when they stamped Jackson's figure on...

For all those foolish enough to think that the federal reserve != wall street, please google Jekyll Island 1910 and report back your findings. Bernanke/Fedco exist to protect the interests of the banks and nothing else. They are not there to protect the interests of the people. If they were...

Anyone who believes that Fed Policy is correct in any shape or form doesn't understand the dynamics of a free market. Outcomes will always end up worse when you have ONE man FIXING the price of the most abundant and important commodity on the planet, money. If there were ever an honest...