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I'm working with an 18-year-old US Navy mentee. He's been contributing to the Navy Thrift Savings Plan (TSP) Roth (confirmed that it is the ROTH) and his YTD is $200 as of 3/31/2021. He does have the option of switching over to their Deferred Contribution Plan (401k-like) if that would ever...

Sometimes when I lay down on a bed or a couch (seems to be when the mattress or couch is very firm?), my heels get sore after a while, as if I'm subconsciously pressing down with them. Googling the symptom shows things like heel spurs. I'm a very healthy person in my late 30's. No foot, heel...

One of my favorite blogs to read, Science-Based Medicine, recommended the book Overkill: When Modern Medicine Goes Too Far by Paul Offit. I highly recommend it. As someone who has always struggled with science but still wants to be a great advocate for themselves and others when making...

Hi all, I have an idea for a new product that has a similar model to the "seasonal garden flags" that you see people putting in their front yards where you have one base and then different items for each season. I've confirmed that the idea is unique. I'm pretty clear on the patent process...

Question: How do I figure out if it's worth it to sell my total stock market index fund shares and move them to a S&P 500 index fund (which has higher returns, even with fees)? When I set-up my investment strategy, I set it up around a total stock market index fund (FZROX) vs. an S&P 500 index...

Analyzing my Q1 vs. Q2 expenses, everything went down except*: Utilities Groceries Fitness - Started taking some extra online classes, bought home gym equipment *Not factoring things like car insurance, which only happens 2x per year.

In normal (non-Covid) times, how do you find intellectuals to converse with? I just moved from a job where I was surrounded by intellectuals and used to lunchtime conversations such as “what is the meaning of morality?” to an office where everyone is too busy/not interested in having these...

What are your favorite historical/nerdy places to travel? Especially outside the US and Western Europe? I find most travel guides focus on things like food, wine, old churches, museums, and luxury experiences. And that’s fun for a day, but I get bored easily with those types of things. I like...

In the past I've saved a portion of my income each month toward a lot of different budget categories to make sure I have enough when there is a big expense (tires, pet needs surgery, etc). But thanks to a new job with a huge salary jump, I know have plenty of cash padding in my budget (and, of...

What are ways you celebrate without spending money? Our society conditioning is that big milestones and holidays = spending money on a fancy dinner, gifts, and/or a big vacation. What are your best alternatives? Especially for couples? Upcoming for us is Valentine's Day, our weddding...

Work has left me feeling really devalued lately. And I'm working on fixing that. But it's also made me realize I place too much of my self-identity by my successes at work and how people at work see me. Obviously will be a huge issue when I stop working. Any suggestions for making the shift...

I'm preparing to fire my financial advisor and take control of my own money. Basic info: - Financial advisor is a small, independent firm - Holdings are currently in Pershing Brokerage and are a mix of a variety of holdings from various companies (Vanguard, Fidelity, T Rowe Price) - 3 accounts...

Here are my tips to max per diem and eat healthier on the road (not in any particular order): 1) Although it means skipping the per diem for breakfast, hotels with free breakfasts are great because I eat really well and don’t need a big lunch. And I grab a piece of fruit on the way out for a...

I've decided on a 75 stock index fund/25 bond index fund portfolio overall. I have the following investments: Roth IRA Individual IRA 403 b - 2 different ones 401a My question is: How do I allocate based on all of the different accounts? Should I so a 75/25 split with each account? Or some...