I managed to get the rollover checks from my old employer’s 401k already and I am in the process of depositing into my new 401k plan however I have run into a snag…. The new provider has absolutely horrible 401k fund options. I haven’t downloaded all the prospectus yet but the ones I have downloaded…
Category: Money Management
AI 3×3 ETF Porfolio for Roth, IRA, and Taxable Accounts
On the heels of my previous post on having AI create an AI generated ETF portfolio, I decided to have AI analyze 60 covered call ETFs and create a 3 ETF tax optimized portfolio for each type of account: Roth (tax free), IRA (tax deferred), and Taxable account. I am actually impressed with the speed…
AI Generated ETF Income Portfolio
I continue to use AI to test some portfolio options and variations and I simply love the tool and the capabilities. It took me an hour of work to get the output at the bottom of this post largely because I had to do too much work on my own but I think AI will…
Setup My New 401k Already
After writing this post where I was told by my new employer that there may be a 30, 60, or 90 day wait for my new 401k plan, I already got everything setup. I received an email yesterday that I could go ahead and set it up. I logged on and tried to set everything…
Early Signs of Credit & Banking Crisis?
One of the observations I’ve made over the years is how banks change my credit limits on my credit cards from time to time. What I’ve discovered is when banks are feeling stressed they start cutting credit lines or start asking how much people are earning to adjust those credit lines. I’ve written posts about…
3 ETF Portfolio For 3 Buckets of Money
I continue to play around with AI and I frequently ask the same question over time to see if AI models evolve. My latest question was to create a 3 ETF income and growth ETF portfolio for 3 types of accounts: taxable, Roth IRA, and traditional IRA. I also asked it to optimize the tax…
Financial Moves Prior To Year End
Today is November 1 and I’m working on my plan for 2026 which includes making some moves right now. On the heels of getting a new job offer, I am already planning on dumping most of my pay from November to end of year into a 401k. Because I got laid off end of May,…
$5000 Left In Unemployment Benefits
I’ve now collected about $10k of unemployment benefits. It’s been great to receive “free” money although it’s not really free, on any given year, I’ve paid at least $100k in federal income taxes over the past couple of decades so it’s good to get some of that money back. Ironically, I’ll need to pay taxes…
Net Credit Collars On NVIDIA
I continue to be extremely concerned about the over valuation of stocks but that doesn’t mean there isn’t a way to make risk free money. So far, I have net credit collars on GLD, IWM, IBIT, and recently added more NVDA. Mechanics of Trade Here’s a walk through of the trade. The net credit here…
Now My Bank CDs Are Being Called
While the cat’s away the banks will play…that’s how I feel right now. I’m having a great time in Europe getting ready to move to Asia but I keep getting notifications of stuff happening back home with my financial accounts. The latest thing was this gem below that my 5.05% CDs are being called. Oh…