It's the craziest thing: The 401k where I work allows after-tax contributions with automatic in-plan Roth conversion up to the IRS 415c limit. This is otherwise known as "mega backdoor Roth". So I can contribute pre-tax up to the normal 401k limit and then after-tax with automatic Roth conversion for the rest. All of it ends up tax advantaged in some sense, either pre-tax or Roth, and the company matches on both types of contributions.

There are so many instances in finance where the rules are more generous than you'd initially think. I only found out about this because I decided to click all the links in the 401k portal one night and did a web search on any term I didn't understand. Puerly an exercise in "what can this thing do?". The after-tax contribution option stood out.

Correct. This is why I'm putting $4,000 per month into retirement savings, most of it into broad stock market index funds. The expected return on those is more in the 7% to 10% range, depending on how conservatively you're estimating.

401k and Roth IRA plans help on the tax side.

Books are also technically one-way consumption, and there were similar concerns about reading novels for entertainment in maybe the 1800s or something. But I get your point.

I do value places on the internet that allow for two-way communication, like this site. One of the great things about parts of the internet.

The knowledge is still available if you search in the right places. I've learned all sorts of stuff about electronics by reading online, both for work and hobby projects. For some topics though, I have still found books to be unbeatable resources.

Someone who supports UBI "hates" poor people in the sense of not wanting people to be poor, much like this famous saying: God loves the poor; that's why He made so many of them.

Yes, the result is obvious. But now we have data to back the obvious result.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

This method allows me to talk to you without creating yet another online account somewhere.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

This method allows me to talk to you without creating yet another online account somewhere.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send an email if you would still like to get in touch.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send some information in the email that indicates it's you.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send some information in the email that indicates it's you.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send some information in the email that indicates it's you.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send some information in the email that indicates it's you.

This looks really cool if they can bring it to market: https://holomem.co.uk/

I'm not able to post a comment on your slashdot journal entry, your livejournal won't let me post a comment without creating an account, and the email link on your livejournal user account doesn't have an address. Replying to your comments here is the only method I have without creating yet another online account somewhere.

You are trying to contact me. I am monitoring the disposable email that receives messages sent to alt.sp-awstsbj@yopmail.com.

Send some information in the email that indicates it's you.