Andy Shields

[Andy Shields @ashields42]

@MedicToriq Is it ethical to deny care because someone can’t pay?

[Andy Shields @ashields42]

@BednarikMatt Not even family

[Andy Shields @ashields42]

@HawkEmDownChris Ozzie smith

[Andy Shields @ashields42]

@theficouple Put it in money market. Keep the interest. Never lose the principle. Pay it back in full.

[Andy Shields @ashields42]

@QC_Capitals Feeling like you are behind and start risky investing. Options trading, day trading, alternative investments, crypto etc.

[Andy Shields @ashields42]

@TheAlphaThought B

Forget it ever happened

[Andy Shields @ashields42]

@MiniRetireMatt 401k maxing for me and my wife. Retail account contributions. Home appreciation. HSA maxing. 529 contributions. Got to 50%+ savings rate before 35.

Consistent salary/bonus increases.

Most important step… Total market index fund investing 100%. No individual stock trading.

[Andy Shields @ashields42]

@BoomerDivvies I retired 2 yrs ago with 2.5m now I have 3m

[Andy Shields @ashields42]

@dividendology And there is no sign of that changing so what is the point of the discussion? Know the game… play the game.

[Andy Shields @ashields42]

@dividendology I used to live in PA but then I retired at 40 and moved to Bali. Before I left the US I domiciled in South Dakota. For the next 20 years I will be converting most of my IRA to Roth within the 12% tax bracket so state taxes won’t matter when I really begin to spend big bucks.

[Andy Shields @ashields42]

@Jack_Allweil Evil is relative and subjective. Nothing is perfect. Learn the system and how to succeed within it.

[Andy Shields @ashields42]

@Jack_Allweil Ask: Do you believe it because it’s true or because it makes you feel good?

[Andy Shields @ashields42]

@BoomerDivvies Don’t try too hard at it. Just invest in the entire market (VTI). Focus on savings and don’t fall into the trap of impressing people you don’t care about. Your investment balance is a much bigger flex than a car or house or clothes or alcohol.

[Andy Shields @ashields42]

@RitaPanahi None of those things are “left” ideas. Nice try though.

[Andy Shields @ashields42]

@InvestingAddict Right here 🤚 @ 40

[Andy Shields @ashields42]

@DividendBreeder But back then we used to get them at 3k miles. Now we wait for 5-7k. So…. Not that much inflation in total.

[Andy Shields @ashields42]

@j_fishback Because that money comes with standards. Homeschooling doesn’t abide by those. It’s not hard to understand.

[Andy Shields @ashields42]

@drp825_ Convert 80k of Trad IRA to Roth. I’m retired so I do this every year to clear the 12% tax bracket. My effective tax rate is about 3.5%.

[Andy Shields @ashields42]

@MarketPalmer_ Real estate tax and property maintenance is missing in the calculation. Also a strong pull to spend money to renovate plus high transaction costs to withdraw equity on your “investment”. Owning is not an investment decision. It’s a lifestyle decision.

[Andy Shields @ashields42]

@princess_kim_k What don’t you understand about “god and guns”? That is literally. It’s a cliche for a reason. NOTHING ELSE matters. Period full stop