Reflect on what each tool does. They soak up today dollars to be spent tommorow. Delayed consumption for future benefit assuming your investments are fruitful and inflation doesn’t outpace your gains.

So A) do you want to lock up your money until you are at retirement age? What consumption are you sacrificing today for the benefit tomorrow? What investments are you displacing by these stock only options.

B) when you pull money out of the traditional, it counts as income and will be taxed. Part of retirement is managing your income streams to take out as much as you need/want with as little tax impact as possible. Some retirees get social security and even though they have bank, they don’t pull much from their savings.

Is it a significant impact, probably not. But it is a future risk to delay the tax. Who knows what the tax code will be? I mean, look at how the taxes are proposed to change next year. If you have an income of less than like 360k, your taxes will increase. How many retirees are pulling more than 360k per year? They just got future fucked on their tax deferment.

Tithe to yourself either before or after taxes, the church set 10% for a reason, that is the fluff that you can give before it starts to bother.

Always maximize your matches.

If you are in a lower tax bracket now then you would be when you retire, put it into a roth. If a high bracket today then tomorrow, put it into a traditional.

High risk when you’re younger. You can try to time market ups and downs, but unless you leg back in after you’ve pulled out, you are VERY likely to miss the upswings.

If you have enough to personally invest, either swing for the fences with 0dte or invest in products you use. You probably aren’t wrong.

And remember that that first option win is free. Post your loss porn to wsb.

Republicans arent showing up to hear the message, so let’s shit talk the dems.

You aren’t crazy. This shit is fucked up.

Be mad about it. Be frustrated. Figure out what you can do about it in your circle of influence.

Someone’s favorite Hamilton character is showing.

The strength of this move is the empty chair. It is one thing to not have town halls. That is easy to forget and go, business as usual. It is another to have a town hall by the opposing party and have it highlighted that they are willing to meet to discuss but your elected representative was not. It highlights the deficit instead of allowing it to be overlooked.

Would be nice to see some advertising campaign comparing representatives to dads that left to get some milk and never came back.

Not financial advice. If you do this, you need to leg back in over a period of time. Like move 5% weekly or biweekly or monthly back to your normal mix. If not, you will likely miss the dip you were hoping to game into.