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Wait, is Julia arguing you should NOT use tax advantaged retirement accts? Jfc

...
Hateful Autistic Giraffe Goyim
  01/20/18
Julia will be making millions when she's older so there won'...
Talented theatre
  01/20/18
Of course there is. By putting in pre-tax money you’re incre...
Hateful Autistic Giraffe Goyim
  01/20/18
How dumb is she? This is a question that cannot be answe...
Plum Degenerate Pit
  01/20/18
Cr
Hateful Autistic Giraffe Goyim
  01/20/18
...
adventurous red messiness locale
  01/21/18
the transitive property is too difficult a concept for her.
flickering green international law enforcement agency lodge
  01/20/18
Julia's money will grow faster in her own hands than a 401k....
Talented theatre
  01/20/18
In theory you have horrifically bad 401k options this could ...
Hateful Autistic Giraffe Goyim
  01/20/18
Seriously? jfc.
Fiercely-loyal mexican
  01/20/18
This is unforgivable for even an average person not to under...
Hateful Autistic Giraffe Goyim
  01/20/18
The only thing she is expert in is cockeyed titties and old ...
Plum Degenerate Pit
  01/20/18
I don't think she said that. I think her argument is thi...
Buck-toothed nibblets senate
  01/20/18
yeah she posts some dumb shit but she's spot on about this
Internet-worthy fortuitous meteor corner
  01/20/18
She had a point that was applicable to anyone who can’t max ...
Swollen Indian Lodge
  01/20/18
...
Cerebral heaven
  01/20/18
not sure what thread you're talking about. i'm talking abou...
Hateful Autistic Giraffe Goyim
  01/21/18
that's a parody thread
Swollen Indian Lodge
  01/21/18
Unless she is parodying herself, she posted dumb shit IN the...
Hateful Autistic Giraffe Goyim
  01/21/18
No, she’s an actual retard. If you find yourself agreeing wi...
Plum Degenerate Pit
  01/21/18
I have never said any such thing. Roth IRAs are terrific, an...
Hilarious Old Irish Cottage
  01/21/18
You should always max out your 401K over taxable, and it is ...
Hateful Autistic Giraffe Goyim
  01/21/18
Wtf? Have you been reading what I’ve been writing? I’ve spec...
Hilarious Old Irish Cottage
  01/21/18
Please explain the dumb shit you wrote here about the advant...
Hateful Autistic Giraffe Goyim
  01/21/18
I reject your premise. That is all very wise counsel as to w...
Hilarious Old Irish Cottage
  01/21/18
I'm sorry are you actually advising that under some circumst...
Hateful Autistic Giraffe Goyim
  01/21/18
You can’t read. Good night. Maybe it’ll help if someone else...
Hilarious Old Irish Cottage
  01/21/18
"it makes sense to hold 401k, Roth, and taxable funds i...
Hateful Autistic Giraffe Goyim
  01/21/18
Lol. Just stop. Being innumerate is fine, but illiterate? Le...
Hilarious Old Irish Cottage
  01/21/18
Please state what the fuck you are saying. True or false: t...
Hateful Autistic Giraffe Goyim
  01/21/18
lol at your edit: I'm the one arguing that tax advantaged i...
Hateful Autistic Giraffe Goyim
  01/21/18
Just stop. I can’t take anymore Julia retardation. It hurts ...
Plum Degenerate Pit
  01/21/18
nah man, just pay taxes up front, taxes on dividends through...
sickened zippy hairy legs
  01/21/18
You don't get it! The income tax on 401k when you take it o...
dead gold depressive
  01/21/18
180 thread
talking temple weed whacker
  01/21/18
arguing this where?
pontificating dark casino pozpig
  01/21/18
"it makes sense to hold 401k, Roth, and taxable funds i...
Hateful Autistic Giraffe Goyim
  01/21/18
I think most of this advice is just tinkering at the margins...
onyx mind-boggling internal respiration
  01/21/18


Poast new message in this thread



Reply Favorite

Date: January 20th, 2018 5:02 PM
Author: Hateful Autistic Giraffe Goyim



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198425)



Reply Favorite

Date: January 20th, 2018 5:04 PM
Author: Talented theatre

Julia will be making millions when she's older so there won't be any tax advantage

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198441)



Reply Favorite

Date: January 20th, 2018 5:08 PM
Author: Hateful Autistic Giraffe Goyim

Of course there is. By putting in pre-tax money you’re increasing the amount of money that is benefitting from growth. That you may need to withdraw at ordianry income tax rate doesn’t offset this. How dumb is she?

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198463)



Reply Favorite

Date: January 20th, 2018 5:10 PM
Author: Plum Degenerate Pit

How dumb is she?

This is a question that cannot be answered. You may as well ask how many grains of sand are in the ocean or how many hours remain before the end of time.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198473)



Reply Favorite

Date: January 20th, 2018 5:11 PM
Author: Hateful Autistic Giraffe Goyim

Cr

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198475)



Reply Favorite

Date: January 21st, 2018 5:40 PM
Author: adventurous red messiness locale



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35204455)



Reply Favorite

Date: January 20th, 2018 5:13 PM
Author: flickering green international law enforcement agency lodge

the transitive property is too difficult a concept for her.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198481)



Reply Favorite

Date: January 20th, 2018 5:13 PM
Author: Talented theatre

Julia's money will grow faster in her own hands than a 401k. doesn't she have an MBA and host a finance podcast? why would she pay a fee to one of her finance colleagues to throw her money around

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198483)



Reply Favorite

Date: January 20th, 2018 5:15 PM
Author: Hateful Autistic Giraffe Goyim

In theory you have horrifically bad 401k options this could make sense. Like if they’re charging 6% management fees. But for most you can find a BlackRock/Vanguard etc option with <0.2 fees.



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198489)



Reply Favorite

Date: January 20th, 2018 6:00 PM
Author: Fiercely-loyal mexican

Seriously? jfc.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198665)



Reply Favorite

Date: January 20th, 2018 6:31 PM
Author: Hateful Autistic Giraffe Goyim

This is unforgivable for even an average person not to understand. Julia is a poleofessional personal finance expert. Wtfffffff.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198834)



Reply Favorite

Date: January 20th, 2018 6:50 PM
Author: Plum Degenerate Pit

The only thing she is expert in is cockeyed titties and old man testes.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198893)



Reply Favorite

Date: January 20th, 2018 6:33 PM
Author: Buck-toothed nibblets senate

I don't think she said that.

I think her argument is this. Roth-IRAs are just as a good a vehicle for saving for kids' college education as 529s. Which is true. Infact they are better because what is in your IRAs cannot be considered when evaluating how much financial aid to provide. So she is right here.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198842)



Reply Favorite

Date: January 20th, 2018 6:35 PM
Author: Internet-worthy fortuitous meteor corner

yeah she posts some dumb shit but she's spot on about this

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198849)



Reply Favorite

Date: January 20th, 2018 6:50 PM
Author: Swollen Indian Lodge

She had a point that was applicable to anyone who can’t max their IRAs. Nutella responded from the perspective of someone who makes $400k.

Then it was a cat fight.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35198896)



Reply Favorite

Date: January 20th, 2018 8:58 PM
Author: Cerebral heaven



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35199699)



Reply Favorite

Date: January 21st, 2018 7:13 PM
Author: Hateful Autistic Giraffe Goyim

not sure what thread you're talking about. i'm talking about this one: http://www.xoxohth.com/thread.php?thread_id=3865563&mc=60&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205147)



Reply Favorite

Date: January 21st, 2018 7:14 PM
Author: Swollen Indian Lodge

that's a parody thread

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205164)



Reply Favorite

Date: January 21st, 2018 7:26 PM
Author: Hateful Autistic Giraffe Goyim

Unless she is parodying herself, she posted dumb shit IN the thread.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205278)



Reply Favorite

Date: January 21st, 2018 7:29 PM
Author: Plum Degenerate Pit

No, she’s an actual retard. If you find yourself agreeing with her it’s time to killself.



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205317)



Reply Favorite

Date: January 21st, 2018 7:21 PM
Author: Hilarious Old Irish Cottage

I have never said any such thing. Roth IRAs are terrific, and even 401Ks offer some modest benefits ( they’re just not the holy grail everyone portrays them as). For most middle-income earners, however, 401Ks remain the best option, because they offer essential protections ( from raiding th cookie jar; from bankruptcy; delaying taxes) that are worthwhile.

The best approach is always to diversify retirement accounts - have some money each in taxable and non-taxable holdings. We aren’t clairvoyants and can’t predict all the nuances of future tax brackets and cash flow needs. I would just suggest you shouldn’t hold the majority of your retirement funds in a 401k, because they’re the least flexible account type.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205240)



Reply Favorite

Date: January 21st, 2018 7:25 PM
Author: Hateful Autistic Giraffe Goyim

You should always max out your 401K over taxable, and it is ALWAYS a better solution than a taxable account. Please tell me you understand this. You can debate roth vs non-roth for individual situations but it is always better to be in a tax advantaged accounts than taxable. Period. End of story.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205273)



Reply Favorite

Date: January 21st, 2018 7:27 PM
Author: Hilarious Old Irish Cottage

Wtf? Have you been reading what I’ve been writing? I’ve specifically said you should max out 401k first. That’s like the cardinal rule of personal finance that everyone learns at their first job. It goes without saying.

That said, the order of contributions could, under some circumstances, arguably be better if you:

1) Contribute to 401k up to th company match

2) Contribute to a Roth

3) Contribute to an HSA if there’s a match

4) Anything left can again start going into a 401k



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205297)



Reply Favorite

Date: January 21st, 2018 7:35 PM
Author: Hateful Autistic Giraffe Goyim

Please explain the dumb shit you wrote here about the advantages of taxable accounts over 401ks here. thanks.

http://www.xoxohth.com/thread.php?thread_id=3865563&mc=60&forum_id=2#35197984

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205403)



Reply Favorite

Date: January 21st, 2018 7:38 PM
Author: Hilarious Old Irish Cottage

I reject your premise. That is all very wise counsel as to why a 401K should not be your primary retirement savings vehicle if you can afford otherwise. Taxable accounts offer several advantages, and it makes sense to hold 401k, Roth, and taxable funds in order to satisfy myriad potential eventualities and tax/income scenarios. Sticking all your money in a 401k is a one-direction bet; better to hedge.

Still, everyone should max out their 401k if they can afford it.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205451)



Reply Favorite

Date: January 21st, 2018 7:41 PM
Author: Hateful Autistic Giraffe Goyim

I'm sorry are you actually advising that under some circumstances you should hold assets in a taxable account instead of a tax-advantaged 401k or Roth? Explain yourself.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205480)



Reply Favorite

Date: January 21st, 2018 7:41 PM
Author: Hilarious Old Irish Cottage

You can’t read. Good night. Maybe it’ll help if someone else explains to you that advantages to taxable accounts actually exist. Here’s a very basic primer on the subject, in case you’d never come across the topic:

https://www.nerdwallet.com/blog/investing/7-advantages-of-investing-in-taxable-accounts/

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205484)



Reply Favorite

Date: January 21st, 2018 7:45 PM
Author: Hateful Autistic Giraffe Goyim

"it makes sense to hold 401k, Roth, and taxable funds in order to satisfy myriad potential eventualities and tax/income scenarios."

I can read, and this is wrong. It does not "make sense" to hold money in a taxable account over tax advantaged one EVER. If all you're trying to say is that it makes sense to have taxable accounts if and when you've hit limits in all your tax advantaged accounts then that's obvious but it sure sounds like you're writing that it makes sense to "diversify" into a taxable account for "myriad potential eventualities and tax/income scenarios." But maybe you just can't write.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205527)



Reply Favorite

Date: January 21st, 2018 7:47 PM
Author: Hilarious Old Irish Cottage

Lol. Just stop. Being innumerate is fine, but illiterate? Learn to read.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205537)



Reply Favorite

Date: January 21st, 2018 7:49 PM
Author: Hateful Autistic Giraffe Goyim

Please state what the fuck you are saying. True or false: there is no reason to hold money in EACH OF 401k, roth and taxable, as you stated, except because there is no more room in your tax-advantaged accounts. Hint: the answer is true.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205556)



Reply Favorite

Date: January 21st, 2018 7:47 PM
Author: Hateful Autistic Giraffe Goyim

lol at your edit: I'm the one arguing that tax advantaged is always the right solution, and you should never hold money in a taxable account except when you're maxed out, regardless of the "myriad reasons" you mention.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205540)



Reply Favorite

Date: January 21st, 2018 7:39 PM
Author: Plum Degenerate Pit

Just stop. I can’t take anymore Julia retardation. It hurts my brain.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205467)



Reply Favorite

Date: January 21st, 2018 7:27 PM
Author: sickened zippy hairy legs

nah man, just pay taxes up front, taxes on dividends throughout the life of the equity holding, and taxes on capital gains when you sale. All before maxing a 401(k). LOL.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205298)



Reply Favorite

Date: January 21st, 2018 10:50 PM
Author: dead gold depressive

You don't get it! The income tax on 401k when you take it out makes up for capital gains savings! LJL at you!

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35206949)



Reply Favorite

Date: January 21st, 2018 7:47 PM
Author: talking temple weed whacker

180 thread

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205542)



Reply Favorite

Date: January 21st, 2018 7:48 PM
Author: pontificating dark casino pozpig

arguing this where?

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205553)



Reply Favorite

Date: January 21st, 2018 7:50 PM
Author: Hateful Autistic Giraffe Goyim

"it makes sense to hold 401k, Roth, and taxable funds in order to satisfy myriad potential eventualities and tax/income scenarios."

see also http://www.xoxohth.com/thread.php?thread_id=3865563&mc=60&forum_id=2#35197984:

"4) 401K fees and offerings are often less advantageous than a taxable account.

5) Funds in a brokerage account can be converted into IRAs, or you can pool many account types, making you a preferred customer and qualifying you for preferential treatment/rates.You can't convert a 401K into anything except a rollover account.

6) Opportunity cost of keeping money tied in a 401K and not invested more lucratively elsewhere.

Again, the advantages of a 401K are limited to 1) Employer match 2) bankruptcy protection, 3) lowering current taxable income ( for IBR or PAYE, for example), and 4) encouraging undisciplined savers to keep heir hands out of the cookie jar."



(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205565)



Reply Favorite

Date: January 21st, 2018 7:52 PM
Author: onyx mind-boggling internal respiration

I think most of this advice is just tinkering at the margins for most people, given the sums involved. The only exception is to contribute to a tax sheltered account before a taxable account.

People would be better served learning about how to avoid getting gouged on their home purchase.

(http://www.autoadmit.com/thread.php?thread_id=3865714&forum_id=2#35205584)