Recruiting Forum Football Talk IX

[UTvol1fn]

For all you degenerates like me.. here's another.

 

[Jackcrevol]

For all you degenerates like me.. here's another.

View attachment 776507

cool.

 

[DD4ME]

 

[Enki_Amenra]

View attachment 776496

The Empire ordered the Stormtroopers to miss on purpose so they could escape and be tracked back to the Rebel base. . .

 

[Enki_Amenra]

I mean it is right there for him. Gator fan:

"Urban is an idiot. Of course we can afford to fire this loser. Amazed Stricklin is sitting on his **** and going to let this guy call more plays against TX!! What planet am I on?"

If you could afford to hire the loser, then why hasn't it been done? It's really simple. It does not take a genius.

I've been trying to figure out today what the purpose was of Urban coming out and saying that Florida doesn't have the money to fire Napier, if they were just going to pull against the idea the next day. Most of the media today has been disputing the idea they don't have the money. Did Urban say something he wasn't supposed to say? Or did he say it JUST so it could be pulled against today to reassure Gator fans that the money is there?

 

[85SugarVol]

When retired you can pay utilities & grocery bills with your regular IRA or 401K payments.

HSA doesn’t allow that, has to be medical.

Both are great ways to save, but one has requirements for what & how it can be used.

Not true.
Especially since you caveated with “retired”.

Doesn’t really matter as most Americans will spend $100’s of thousands on medical expenses throughout their retirement - so most will outspend their HSAs before they have to worry about foregoing the triple tax advantage on their HSA funds.

However, after age 65 you can spend your HSA account funds on anything you choose without penalty.
You simply need to pay tax on any disbursements for non-medical expenses.

So…. “In retirement” you can maintain triple tax advantage for medical expenses -And- it functions exactly like a traditional 401k/IRA for that sweet boat you had your eye on.

Like I said: Superior Investment Vehicle

 

[Devo182]

When retired you can pay utilities & grocery bills with your regular IRA or 401K payments.

HSA doesn’t allow that, has to be medical.

Both are great ways to save, but one has requirements for what & how it can be used.

Unless something has changed recently, this isn't quite accurate.

Once you reach 65, you can take distributions for any purpose without penalty. If not medical, yes you'll be taxed at ordinary income rates...but this is the same as a traditional 401k/IRA. The flexibility and advantages are amazing. Only real downside is 59.5 vs 65 cut-off for penalties. But due to limits, obviously this wouldn't be your primary vehicle anyway.

The real hack - don't even use the HSA savings for medical costs pre-retirement, unless absolutely necessary (like any retirement account) and leverage the HSA like an extra retirement vehicle with more advantages (tax-free medical, which is inevitable). It's a freebie, but even moreso once maxed out 401k contribution limits.

 

[jave36]

For all you degenerates like me.. here's another.

View attachment 776507

I like all those except the gigantic bet you placed. Stones.

 

[hooperj75]

Best, biggest, most influential family trees in the entertainment industry?


Jmo,

1) Coppolas

2) Jacksons

3) Esteveses/Sheens

4) Wayans

5) Skarsgaards


Some musical families I might include if more multi-generational, longer branches.

Ummmm……Kardashians.

 

[RiseToTheTop]

Marvin Harrison Jr is truly awful

 

[Ten_Titans]

How? Most millionaires in this country have or do own a business. And the number is even more substantial for multi millionaires and billionaires. If you want the easiest return and quickest path to making money, buy or build businesses to sell. I had a client sell his company after ten years for over 30 million and he built it from nothing. Where can you get that return from maxing a 401k?

My parents are in their 70s and have probably $500k in cash, while also owning a home.

I think most people would call that real wealth. And they were school teachers. That's just retirement accounts.

If "real wealth" is having 7 figures of cash on hand, sure. But that's an unreasonably high bar. Which is fine if that is a goal, but no one needs to be operating under the idea that they need to be taking big financial risks in their working years just to have a chance to live comfortably at 65+.

 

[Weezer]

Best, biggest, most influential family trees in the entertainment industry?


Jmo,

1) Coppolas

2) Jacksons

3) Esteveses/Sheens

4) Wayans

5) Skarsgaards


Some musical families I might include if more multi-generational, longer branches.

Warner Brothers. Think of all the movies the studio they founded has produced.

 

[RandomUTfan]

Warner Brothers. Think of all the movies the studio they founded has produced.

The Warner sister too.

 

[tnhunter 10]

 

[85SugarVol]

Unless something has changed recently, this isn't quite accurate.

Once you reach 65, you can take distributions for any purpose without penalty. If not medical, yes you'll be taxed at ordinary income rates...but this is the same as a traditional 401k/IRA. The flexibility and advantages are amazing. Only real downside is 59.5 vs 65 cut-off for penalties. But due to limits, obviously this wouldn't be your primary vehicle anyway.

The real hack - don't even use the HSA savings for medical costs pre-retirement, unless absolutely necessary (like any retirement account) and leverage the HSA like an extra retirement vehicle with more advantages (tax-free medical, which is inevitable). It's a freebie, but even moreso once maxed out 401k contribution limits.

We just said the same thing. See my post directly above.

And exactly right - Treat your HSA as an additional Retirement Account.
Feed it.

Many employers will contribute to it as well, similarly to your traditional defined-contribution workplace plan.

 

[Weezer]

The Warner sister too.

 

[Orange.]

I hope DW is working the SEC office about strict enforcement on MSU’s special exemption from the artificial noisemakers rule. Even with their special privilege, they are not allowed to ring cowbells when we are over the ball.

As of now, the current amendment allows “the use of institutionally controlled, computerized sound systems (including music), institutionally controlled artificial noisemakers, and traditional institutional noisemakers at any time, except from the time the offensive center is over the football until the play is whistled dead.”

 

[BigOrangeGoose]

View attachment 776489

I love this gif

 

[85SugarVol]

How? Most millionaires in this country have or do own a business. And the number is even more substantial for multi millionaires and billionaires. If you want the easiest return and quickest path to making money, buy or build businesses to sell. I had a client sell his company after ten years for over 30 million and he built it from nothing. Where can you get that return from maxing a 401k?

That’s not true.
Sweet anecdote though.

Most millionaires in this country worked regular professional jobs, saved consistently and efficiently for decades, and managed debt responsibly.

Net worths of 8 figures are perfectly attainable following that tried and true strategy.

Not much difference in lifestyle for $10M vs $30M - at least not enough to consider $30M to be “true wealth”… True wealth is incredibly rare, and it starts at much, much higher levels.

 

[Adam Sandler]

When retired you can pay utilities & grocery bills with your regular IRA or 401K payments.

HSA doesn’t allow that, has to be medical.

Both are great ways to save, but one has requirements for what & how it can be used.

And it’s taxable unless it’s Roth because you already paid tax. You’re comparing apples and oranges.

The average 65 year old today will have $172k of medical expenses over their lifetime. Plenty of opportunity for the triply tax advantaged vehicle.

Ones taxed, ones not. Project what you’ll need for both and attempt to fund accordingly.

 

[85SugarVol]

And it’s taxable unless it’s Roth because you already paid tax. You’re comparing apples and oranges.

The average 65 year old today will have $172k of medical expenses over their lifetime. Plenty of opportunity for the triply tax advantaged vehicle.

Ones taxed, ones not. Project what you’ll need for both and attempt to fund accordingly.

Even if you couldn’t use HSA for anything after 65 (you can), it’s silly to complain that you can “only” use it for medical.

Medical is a HUGE expense.

If I told you I was giving you $200k but you could “only” use it for groceries, would you gripe about that?
No! You would simply use the money you already had allocated for groceries on something else you wanted….

 

[Adam Sandler]

I maybe in the minority, but I dont want to fully retire. Your brain and body need the mental/physical stimulates, like the old saying goes: “use what you got or lose what you got.” it’s no coincidence that most people mentally and physically go downhill after they retire.

Retire to me doesn’t mean not working anymore. It means not working because you have to. I’ll probably do all types of stuff in retirement. Just will do everything I want to and nothing I don’t want to, on my terms only, as I please, with who I want to and where I want to, when I want to.

And I’ll probably still be posting on here with you Morans.

 

[Mullins2010]

 

[knoxvol52]

Europe is loaded.

The Europeans are always loaded, they're always drinking ...

 

[WesTnVol]

1903 was BAD 🫏!!!

1892-1903-1914-1925 would make some sweet sweats and or hoodies