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kersploosh

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kersploosh , to Personal Finance in 12% 401(k) Contribution - What to do? [USA]
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The big advantage of putting your additional contributions into the 401(k) is that it reduces your taxable income. The big disadvantage is that the money is locked away for decades; that cash is no longer available to make big purchases like a car, honeymoon trip, etc. There are some exceptions, but be careful that you don’t get hit with penalties.

Personally, if I were in your situation, I would open a no-fee brokerage account and put you additional retirement money into an index fund that tracks the S&P 500 or NASDAQ. If you need the money before you turn 66 then it will be readily available.

kersploosh , to Photography in Patterns in Ice
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The kid in me wants to step on it! Breaking the first frozen puddles of winter is always fun. I can hear that satisfying crunch now…

kersploosh , to Seattle in Washington's Secretary of State calls out 'domestic terrorists' who disrupted elections
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The declaration “Stop giving power to the right” is especially weird considering that four of the five counties involved (Skagit, Snohomish, King, Pierce) are Democrat strongholds. They aren’t giving power to the political right.

kersploosh , to Photography in A beautiful yellow sunset in the Swedish archipelago
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Beautiful photo. It reminds me that I really need to visit Sweden again.

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