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Recent Posts
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re: Retiring at 50 with $2MM in savings
Posted by Enoch on 5/18/26 at 8:44 am to Everyday Is Saturday
Thank you for your response.
My above post goes into more detail of my thought process.
50 meter target is still in accumulating assets. Any personal insight, scenarios, or specific material you would suggest will be much appreciated.
My above post goes into more detail of my thought process.
50 meter target is still in accumulating assets. Any personal insight, scenarios, or specific material you would suggest will be much appreciated.
0
re: Retiring at 50 with $2MM in savings
Posted by Enoch on 5/18/26 at 8:40 am to TorchtheFlyingTiger
Thank you for your response
Idk any retirement accounts as well.
Talking about taxable brokerage account. So in your example you’ve noticed growth has beaten the margin interest, so that’s what I’ve noticed in my account. If you borrow the 4%, the asset is still allowed to grow and a margin loan isn’t income so not taxable. I’m starting to wonder if the portfolio could eventually allow me to borrow the 4% and still dca with margin growing the dca rate by inflation rate.
10% of 2 million is 200K. 4% of 2 million is 80K. So you would have growth of 120K year 1 with no taxes(minus what dividends you get with growth etfs)
To the point of a down year or decade. Would you rather sell at a lost(tax lost harvest potentially, but this strategy is trying to avoid income) or just borrow and wait for the market to eventually go back up on its own?
Hopefully someone smarter than me can run me through the thought process.
Lastly, I’m in the accumulation stage still and about a decade out before I can truly try this.
Thank you to you and anyone else who may be able to add insight to this to help sway me one way or another in the right direction.
Idk any retirement accounts as well.
Talking about taxable brokerage account. So in your example you’ve noticed growth has beaten the margin interest, so that’s what I’ve noticed in my account. If you borrow the 4%, the asset is still allowed to grow and a margin loan isn’t income so not taxable. I’m starting to wonder if the portfolio could eventually allow me to borrow the 4% and still dca with margin growing the dca rate by inflation rate.
10% of 2 million is 200K. 4% of 2 million is 80K. So you would have growth of 120K year 1 with no taxes(minus what dividends you get with growth etfs)
To the point of a down year or decade. Would you rather sell at a lost(tax lost harvest potentially, but this strategy is trying to avoid income) or just borrow and wait for the market to eventually go back up on its own?
Hopefully someone smarter than me can run me through the thought process.
Lastly, I’m in the accumulation stage still and about a decade out before I can truly try this.
Thank you to you and anyone else who may be able to add insight to this to help sway me one way or another in the right direction.
re: Retiring at 50 with $2MM in savings
Posted by Enoch on 5/17/26 at 9:11 pm to notsince98
Talking about retirement plans. Does anybody have an opinion on just buying the S&P and when you’re ready to call it quits just borrow against it instead of doing the 4%?
Buy borrow die?
Buy borrow die?
QDVO does seem very impressive as a CC ETF, one I’ll track over time.
It appears 10 percent distribution yield is about the sweet spot to be able to grow. Closer they get to 20 and up the worse they get on price over time as well as the taxes that will be paid.
It appears 10 percent distribution yield is about the sweet spot to be able to grow. Closer they get to 20 and up the worse they get on price over time as well as the taxes that will be paid.
re: SCHD or SPYD for dividend ETF?
Posted by Enoch on 10/21/25 at 7:48 pm to Ham And Glass
I feel like everyone loved schd until this year. Who knows, maybe it is just on sale.
re: SCHD or SPYD for dividend ETF?
Posted by Enoch on 10/21/25 at 7:43 pm to Paul Allen
FDVV is a more tech focused dividend etf then schd or spyd which are more of a traditional dividend etf strategy. Depends on what you are trying to accomplish.
Stay away from CC ETFs if you don’t NEED the distribution income.
Stay away from CC ETFs if you don’t NEED the distribution income.
re: If your DBs suck and get beat constantly
Posted by Enoch on 9/21/25 at 10:33 am to Violent Hip Swivel
This picture and the entire game was a show of either massive incompetence or the refs dictating the game.
I went into the game thinking it would be funny if auburn lost, by the end of the game I thought it was kind of embarrassing that Oklahoma won.
I went into the game thinking it would be funny if auburn lost, by the end of the game I thought it was kind of embarrassing that Oklahoma won.
Dollar cost average, cut profits to rebalance, use profits to increase DCA rate. Rinse and repeat.
re: Media Spanish Accent When Saying "Tren de Aragua"
Posted by Enoch on 3/21/25 at 12:01 pm to SaturatedPhat
Ask them to say Germany with the correct accent.
re: What is the best way to learn a foreign language as an adult?
Posted by Enoch on 6/13/24 at 7:36 pm to Tornado Alley
Language transfer is a good free tool.
re: Haitian war lord photos. What kind of guns are these & where did they come from?
Posted by Enoch on 4/30/24 at 11:38 am to Covingtontiger77
HK 416
re: The committee let the bama Texas game dictate the whole playoff
Posted by Enoch on 12/31/23 at 10:36 am to nicholastiger
This is true. Everyone wanted to keep Alabama out so by saying Texas won the head to head and they would always get in over Alabama with a similar record. That’s what was implied for weeks.
By so many talking heads claiming nick Saban is done and needs to retire and Alabama won’t be the same with Saban going forward, they are literally why this happened.
I would say the entire college football world let that game dictate the playoff discussion of the season and are somehow shocked by the results.
By so many talking heads claiming nick Saban is done and needs to retire and Alabama won’t be the same with Saban going forward, they are literally why this happened.
I would say the entire college football world let that game dictate the playoff discussion of the season and are somehow shocked by the results.
re: Help with riddle - How Much Money Did The Store Lose?
Posted by Enoch on 12/11/23 at 10:26 am to Seaux_cal_tiger
$170 in value
Draw starts the day with 10 10 dollar bills.
Store only has $70 in value merchandise.
100 dollars stolen, but the company still believes they have it. With zero transactions and it’s the end of the day and the company/cashier would expect $100. If it’s at zero then the cashier would have to cover that.
$100 is stolen
Person buys $70 in value items with 10 10 dollar bills. Cashier realizes he is over paying so gives him back 3 of his 10s back.
Cashier has $70 cash in draw, but is expected to have $170 when doing end of day/closing out. Cashier would take $70 out and deposit and leave draw at the starting amount $100, but only has $70 in it. Now cashier deposits $70 and cashier/company put $100 in draw.
End of day lost $100 cash
$ 70 merchandise
$170 value total lost.
Draw starts the day with 10 10 dollar bills.
Store only has $70 in value merchandise.
100 dollars stolen, but the company still believes they have it. With zero transactions and it’s the end of the day and the company/cashier would expect $100. If it’s at zero then the cashier would have to cover that.
$100 is stolen
Person buys $70 in value items with 10 10 dollar bills. Cashier realizes he is over paying so gives him back 3 of his 10s back.
Cashier has $70 cash in draw, but is expected to have $170 when doing end of day/closing out. Cashier would take $70 out and deposit and leave draw at the starting amount $100, but only has $70 in it. Now cashier deposits $70 and cashier/company put $100 in draw.
End of day lost $100 cash
$ 70 merchandise
$170 value total lost.
How about what really could have been. Alabama hires Rich Rod.
Is Saban still going back to college football that year or the next? What school might he end up at. The SEC seemed pretty happy with most of their coaches at the time.
How long does Meyer, Miles, Tuberville, Fulmer, Spurrier, or Richt last or possibly win championships with Saban still in the NFL or at least in another conference.
Is Saban still going back to college football that year or the next? What school might he end up at. The SEC seemed pretty happy with most of their coaches at the time.
How long does Meyer, Miles, Tuberville, Fulmer, Spurrier, or Richt last or possibly win championships with Saban still in the NFL or at least in another conference.
re: IDF Explores tunnel under hospital
Posted by Enoch on 11/13/23 at 6:21 pm to Miketheseventh
Honestly it’s pretty standard looking to me.
Idk what kind of communication cables you think it has or capabilities, but it’s probably controlling 4 motors. The one on the outside at the beginning probably has about the same stuff. Vfd, contactors, relays, terminal blocks, fuse blocks, and maybe some other things made by a brand I’m not familiar with.
Assuming best intentions, WHO probably provided them as a humanitarian effort to supply a hospital with its electrical needs.
Could they have been repurposed, of course.
But what?
Pumps?
Attack them on facts, not speculation.
That’s literally what they want. They don’t have to prove everything wrong just the stuff that is purposefully sensationalized.
Idk what kind of communication cables you think it has or capabilities, but it’s probably controlling 4 motors. The one on the outside at the beginning probably has about the same stuff. Vfd, contactors, relays, terminal blocks, fuse blocks, and maybe some other things made by a brand I’m not familiar with.
Assuming best intentions, WHO probably provided them as a humanitarian effort to supply a hospital with its electrical needs.
Could they have been repurposed, of course.
But what?
Pumps?
Attack them on facts, not speculation.
That’s literally what they want. They don’t have to prove everything wrong just the stuff that is purposefully sensationalized.
re: Are Jews a “people” or race? Are blacks a “people” or race ?
Posted by Enoch on 10/7/22 at 5:47 pm to Keltic Tiger
I would like to know if they used the term
“antisemitism” or where it comes from, if so why does it seem that they only picked out one group of the Semitic people/race/ethnic group or whatever the approved way of looking at them. Are not Arabs Semitic?
Why do we use the word antisemitism and not just anti Jewish or something that was more specific to the people he blamed for the German people’s problem.
“antisemitism” or where it comes from, if so why does it seem that they only picked out one group of the Semitic people/race/ethnic group or whatever the approved way of looking at them. Are not Arabs Semitic?
Why do we use the word antisemitism and not just anti Jewish or something that was more specific to the people he blamed for the German people’s problem.
re: Oz: I would have certified Biden win over Trump- refuse to say he is MAGA Republican
Posted by Enoch on 9/7/22 at 8:52 am to Northwestern tiger
I know too many of you are blaming libertarians instead of looking in the mirror, but Pennsylvania should be the state that could have a legitimate third party contender because of how much these two suck.
Idk if it’s too late to get a person on the ballet.
Idk if it’s too late to get a person on the ballet.
Cheap trick’s version of ain’t that a shame while drinking
Fats domino’s in the morning when the bed hold you down.
Fats domino’s in the morning when the bed hold you down.
I’m fine with adding more stars on our flag.
quote:
Doing the right thing isnt about popularity/majority.
They think our foundations are hate
That muppet just had a Korean eye job. Back story is probably daughter of real estate investor from China.
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