Lumpy_Box9710

Recently got a message saying that VOO revised its diversification policy. Basically that it’ll continue to track the index even if the index itself is non-diversified. Thoughts from FIRE community and bogglehead followers?

Can I get some perspective from fire minded folks about mortgage payments in the current climate?

Assuming a 6-7% rate for the foreseeable future, what advice would you give us about trying for a 15 or 30 year mortgage?

We’re trying to stick to below 30% mortgage payment after tax income.

I was on the 15 year camp, but wondering if the we’ll end up having more if we pay less per month, invest the rest (what we’re doing now), versus going for higher payments, less interest, but less invested?

Thanks!!

Hi all,

So maxing out traditional 401k, HSA, and did backdoor rollover to traditional IRA. Next step is putting more money into brokerage (no mega backdoor available).

Is there a tax advantage to putting money in the traditional IRA first instead of brokerage? Is this allowed if we’re using backdoor rollover?

For example, putting 6.5k in traditional Ira, convert to Roth IRA backdoor, another 6.5 to traditional IRA, and then contributing to a brokerage?

Hi everyone! I’d like some guidance on how to invest our IRA and brokerage account.

Background: couple (28f&34m), debt paid, 401k maxed, HSA maxed, Roth IRA back door done, no mega back door available.

Current holdings in IRA & brokerage: mostly VTI/VOO/SPY and FXIAX (Fidelity’s S&P 500). We’d like our stock:bond ratio around 85:15 (34m) and 90:10 (28f). Not planning on retiring early.

Can someone guide us on how to split our portfolio between different indexes? What percentage to S&P (VOO), total US (VTI), small cap (VB), international, growth etc.

Thanks in advance!!

Something I learned recently is there are different types of hunger: 1) physical hunger, 2) mouth hunger - tastes amazing 3) eye hunger - wow looks amazing 4) nose hunger - smells great, 5) mind/craving hunger - intrinsic craving for a food

I had only classified hunger physically and ignored mind hunger which often lead to overeating and feelings of deprivation. I’ve had a lot of success lately in honoring my hunger cues by identifying which hunger I was experiencing before, during and after I finished eating! Sometimes a different hunger over rules physical hunger and that’s ok.

Hope this helps someone else too!

I’ve been doing IE for the last 2.5 years. I’ve had ups and downs but recently have been journaling and meditation. I cannot recommend this enough.

Our relationship with food and our body can be so complicated and deeply personal. Each day, I journal what’s going on in my life, an intention I have, and a food log. The food log is to track feeling/fullness not calories. I’ve done the food log by itself but never in combination with journaling other parts of my day and meditation.

Meditation - this really helps for stress, sleep, anxiety, peace etc. My favorite resource is insight timer for free meditations.

We have a 2y old female Aussie (Luna) who is very territorial over the house. In particular if another dog is inside the house, she will bark and whine the entire time (upwards of 3-4hrs). It’s extremely loud and is definitely not happy/eager barking.

We’ve had this happen twice now with a friend’s lab mix (2y male).

When we took them on a walk together, they both were completely fine. It changes the minute we get inside the house though.

We removed toys, gave them separate water bowls, and no food. We separated them through a door and kept giving Luna treats when she was quiet to help. Unfortunately none of it really did, so we put her in the backyard where she continued to bark and

We have a 2y old female Aussie (Luna) who is very territorial over the house. In particular if another dog is inside the house, she will bark and whine the entire time (upwards of 3-4hrs). It’s extremely loud and is definitely not happy/eager barking.

We’ve had this happen twice now with a friend’s lab mix (2y male).

When we took them on a walk together, they both were completely fine. It changes the minute we get inside the house though.

We removed toys, gave them separate water bowls, and no food. We separated them through a door and kept giving Luna treats when she was quiet to help. Unfortunately none of it really did, so we put her in the backyard where she continued to bark and

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