Gyroscopic Investing

mathjak107 wrote: ↑Sun Sep 07, 2025 5:00 pm perfect example .

my wife and i went to a local park on labor day to do some photography.

we were. about a mile from home when a guy ran a red light and totaled our 2023 lexus rx500h .

amazing thing is the guy next to us had his dash came running .

he showed us having a solid green when a guy came barreling down and went thru the red light .

the insurance company said no statement by me was even needed .

we reach a settlement on the car in 4 days .

so we never expected to go out and have to buy a new car after buying this one only two years ago .

there are a lot of costs too associated with this crash like. the insurance company only covers a loaner until they reach a settlement then give you 2 or 3 extra days .

so we will need it about a week on our own dime . she hasn’t been able to cook much so we are bringing food in .


we were both transported to the hospital by ambulance.

i had only a cut kneed but my wife was really bruised up .

no broken bones according to the hospital x-ray but there may be torn tissue so we are checking it out tomorrow.

there is always unexpected expenses. that easily blow the budget .

mathjak107 wrote: ↑Tue Sep 09, 2025 8:23 am put a hold on this car and we are putting a deal together today

2025 rx 350 premium plus

mathjak107 wrote: ↑Fri Aug 22, 2025 1:45 pm i would disagree , what we may be comfortable with and what we need to have to meet our goals are two different things .

many retirees have been hurting themselves , in fact dangerously as they try to go with what they are comfortable with as opposed to the allocation they need to maintain their draw rate they are counting on .

most of us workers don’t have the luxury of going with what we are comfortable with in the accumulation stage because we need one of the most powerful forces on earth working hard for us and that is compounding .

the best way to have an underfunded retirement is go with what you are comfortable with .

if one can’t handle the proper amount of equities to adequately grow their money than get a money manager who can .

this is where most would benefit paying a money manager.

vanguard has done a few studies on this and they are the grand pappy of do it yourself investing but they found most small investors would do better letting someone else handle their money

• Due to the fact that taxes are levied against nominal gains, the government scoops up most of the wealth generated through compounding.
• Maxing out Roth contributions is still worthwhile.
• Don't contribute to 401k past company match.
• Buy gold with the rest

mathjak107 wrote: ↑Tue Sep 09, 2025 9:48 am well millions of retirees are living off their portfolios so the proof is in the pudding

mathjak107 wrote: ↑Thu Aug 28, 2025 6:24 pm retirees usually end up backing in to what they have to work with .

it may end up buying a life they hate but everyone makes what they have work .

Jack Jones wrote: ↑Tue Sep 09, 2025 9:03 am My takeaways:

• Due to the fact that taxes are levied against nominal gains, the government scoops up most of the wealth generated through compounding.
• Maxing out Roth contributions is still worthwhile.
• Don't contribute to 401k past company match.
• Buy gold with the rest

Thoughts?

Hal wrote: ↑Wed Sep 10, 2025 4:53 pm

Jack Jones wrote: ↑Tue Sep 09, 2025 9:03 am My takeaways:

• Due to the fact that taxes are levied against nominal gains, the government scoops up most of the wealth generated through compounding.
• Maxing out Roth contributions is still worthwhile.
• Don't contribute to 401k past company match.
• Buy gold with the rest

Thoughts?

Thoughts?..... Think you would enjoy discussing with BelangP over on Reddit. https://www.reddit.com/user/belangp/

The retirement fund rules are different "down under" so cannot comment on that (Tax free on withdrawal). But just finished the self managed retirement fund paperwork, the useless rock has done quite well btw ETPMAG is a Silver ETF. Will be watching for other forum members comments regarding your post.

https://www.bogleheads.org/wiki/Traditional_versus_Roth wrote:The second misconception is that "it is better to pay tax on the seed than the harvest." In other words, that it is better to pay a lesser tax amount now to make a Roth contribution, instead of a larger amount of tax later on a traditional withdrawal. This is not true because taking a percentage of the "seed" is the same as letting the full seed grow and then taking the same percentage of the "harvest." The result will be the same in either case.

The goal should not be to pay as little tax as possible. Instead, the goal should be to have as much money leftover after taxes as possible. Comparing marginal rates between contribution (or conversion now) and withdrawal in the future is the most direct way to achieve this goal.

I Shrugged wrote: ↑Mon Sep 15, 2025 4:26 pm Perfectly happy with that, it's all I hoped for.

Jack Jones wrote: ↑Tue Sep 09, 2025 9:03 am

mathjak107 wrote: ↑Fri Aug 22, 2025 1:45 pm i would disagree , what we may be comfortable with and what we need to have to meet our goals are two different things .

many retirees have been hurting themselves , in fact dangerously as they try to go with what they are comfortable with as opposed to the allocation they need to maintain their draw rate they are counting on .

most of us workers don’t have the luxury of going with what we are comfortable with in the accumulation stage because we need one of the most powerful forces on earth working hard for us and that is compounding .

the best way to have an underfunded retirement is go with what you are comfortable with .

if one can’t handle the proper amount of equities to adequately grow their money than get a money manager who can .

this is where most would benefit paying a money manager.

vanguard has done a few studies on this and they are the grand pappy of do it yourself investing but they found most small investors would do better letting someone else handle their money

Back on topic. This provocative video implies that, no, compounding won't save us either.



My takeaways:

• Due to the fact that taxes are levied against nominal gains, the government scoops up most of the wealth generated through compounding.
• Maxing out Roth contributions is still worthwhile.
• Don't contribute to 401k past company match.
• Buy gold with the rest

Thoughts?

mathjak107 wrote: ↑Fri Aug 22, 2025 1:45 pm

most of us workers don’t have the luxury of going with what we are comfortable with in the accumulation stage because we need one of the most powerful forces on earth working hard for us and that is compounding .