Percival Sladek

[Rich Hribar @LordReebs]

Most ReTD on throws that did NOT come in the actual end zone over the past 3 seasons...

Amon-Ra St. Brown 22
Ja'Marr Chase 15
Jameson Williams 13
Tee Higgins 12
Tucker Kraft 11
Puka Nacua 11
Deebo Samuel 11
AJ Brown 10
Jordan Addison 10
Dallas Goedert 10

[Jonathan Wall @jonathanrwall]

Let do a Monday giveaway, just because: @CallawayGolf Opus SP+ sand wedge (56-10S)

Just need to RT and be following along. I’ll DM the winner on Wednesday. 🤙🏻

[Jim Tepin @JimTepin]

@TheoFleury14 @stoolpresidente

[Mark Cecchini, CFP® @markcecchini]

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s.

SOLDIER 1: What’s a 401(k)?

COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old.

SOLDIER 2: So I don’t pay taxes on it?

COMMANDER: Well, you pay taxes later. When you withdraw.

SOLDIER 2: So it’s not tax-free.

COMMANDER: It’s…tax-deferred.

SOLDIER 2: What’s the difference?

COMMANDER: You pay taxes later instead of now.

SOLDIER 1: What if I want to pay taxes now?

COMMANDER: Then you do a Roth 401(k).

SOLDIER 3: What’s a Roth?

COMMANDER: You pay taxes now, and it grows tax-free.

SOLDIER 2: That’s what I thought the first one was.

COMMANDER: No, the first one you pay taxes later.

SOLDIER 1: Which one’s better?

COMMANDER: Depends on your tax bracket in retirement.

SOLDIER 1: …How would I…know that?

COMMANDER: You don’t. You just guess.

⸻

SOLDIER 4: What if I don’t have a 401(k) through my employer?

COMMANDER: Then you open an IRA.

SOLDIER 4: What’s the difference?

COMMANDER: One’s through your job, one’s on your own.

SOLDIER 4: Can I have both?

COMMANDER: Yes.

SOLDIER 4: Should I?

COMMANDER: Maybe.

SOLDIER 3: Can I do a Roth IRA?

COMMANDER: Only if you make under a certain amount.

SOLDIER 3: What’s the limit?

COMMANDER: Changes every year.

SOLDIER 2: What if I make too much?

COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first.

SOLDIER 2: …Is that legal?

COMMANDER: Surprisingly, yes.

SOLDIER 1: What’s a backdoor Roth?

COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”.

SOLDIER 1: Why wouldn’t I just contribute to the Roth directly?

COMMANDER: Because you make too much money.

SOLDIER 1: But this way I can?

COMMANDER: Yes.

SOLDIER 1: That feels like a loophole.

COMMANDER: It is. But the IRS is cool with it.

⸻

SOLDIER 5: I just changed battalions. What do I do with my old 401(k)?

COMMANDER: You roll it over.

SOLDIER 5: Into what?

COMMANDER: An IRA. Or your new 401(k). Depends.

SOLDIER 5: On what?

COMMANDER: The funds. The fees. Whether your new plan accepts rollovers.

SOLDIER 5: What if I just take the money out?

COMMANDER: You’ll pay taxes plus a 10% penalty.

SOLDIER 5: What if I’m 59?

COMMANDER: Penalty.

SOLDIER 5: 59 and a half?

COMMANDER: No penalty.

SOLDIER 5: …The half matters?

COMMANDER: The half matters.

⸻

SOLDIER 3: What’s a mega backdoor Roth?

COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute.

SOLDIER 3: Right.

COMMANDER: But the total limit including employer contributions is higher.

SOLDIER 3: Okay…

COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth.

SOLDIER 3: Does my plan allow that?

COMMANDER: I don’t know. You have to ask Betsy.

SOLDIER 3: Will Betsy know?

COMMANDER: Probably not.

⸻

SOLDIER 2: Can I deduct my IRA contribution on my taxes?

COMMANDER: Are you covered by a retirement plan at work?

SOLDIER 2: Yes.

COMMANDER: Then only if you make under a certain amount per year.

SOLDIER 2: What’s the amount?

COMMANDER: Depends if you’re married.

SOLDIER 2: What if my wife has a plan but I don’t?

COMMANDER: Different limit.

SOLDIER 2: What if neither of us has a plan?

COMMANDER: Full deduction.

SOLDIER 2: So it’s better to not have a 401(k)?

COMMANDER: No…

⸻

SOLDIER 1: Can I just keep my money in a sock?

COMMANDER: You could. But inflation will slowly destroy it.

SOLDIER 1: What’s inflation?

COMMANDER: (sighs)…

[Charlie Kirk @charliekirk11]

lol packers

[Chicago Bears @ChicagoBears]

Showing the O-Line some love 🫶

RT for the chance to win a helmet signed by our offensive line

[Percival Sladek @PercivalSladek]

@BrettKollmann Genuinely don’t think he can kick it that far

[Percival Sladek @PercivalSladek]

@FantasyPts @ScottBarrettDFB Ball Knowledge

[Percival Sladek @PercivalSladek]

@ScottBarrettDFB @FantasyPts Ball Knowledge

[Scott Barrett @ScottBarrettDFB]

ChatGPT, Claude, Perplexity, and now... Ball Knowledge

ANNOUNCEMENT: @FantasyPts has launched Ball Knowledge, an AI custom-built to help you dominate your fantasy football league, cash all your NFL bets, and pull up any stat you want in seconds

https://t.co/og5BD4zcF3

[Percival Sladek @PercivalSladek]

@robertmays @DA_Marty

[Sam Borden @SamBorden]

Have you received emails from non-soccer fans who are suddenly "really into the World Cup?" Have you gotten a text casually asking "what's the deal" with this #USMNT?

I have. If you have too, feel free to share this letter I composed ahead of today's game w the Netherlands.