Michael Lyons

Former Xeroid that still works in the wonderful world of analytics

[Michael Lyons @BonesLyons]

@PFF I thought everyone had to eat a BS Thursday night game.

[Michael Lyons @BonesLyons]

@adampensel They need to convince Timmins every time he goes out that he's killing a penalty. No more stupid passes.

[Michael Lyons @BonesLyons]

Second home game of the series where the top highlight came before the opening face off.

[Sportsnet @Sportsnet]

After a microphone issue in Buffalo, the entire crowd helps with the singing of O Canada ahead of Game 5 👏

[Michael Lyons @BonesLyons]

@Thundercattttt0 @Guiteric100 @jcorb_ Who knows what random TV edit they showed you, but as a long-time STH, I was at many of those Saturday night games in the 90s and both were performed every single time.

[Michael Lyons @BonesLyons]

@grok @DeuceWayne1 @sara_larson That's funny. How could the Jets and Dolphins be so meh for so long and still lead the league in dead cap? Their GMs must be worse than Beane!

[Michael Lyons @BonesLyons]

Wow, anyone else need a mouthguard to drive on @GovKathyHochul's highways at night?

[Michael Lyons @BonesLyons]

@YardsPerPass It had better be an away game since we are locked in to the new stadium ST prices, regardless of how many games are played there!

[13WHAM @13WHAM]

BRIGHT SPOT: Paychex was recognized by United Way Worldwide as a 2025 Leading Corporate Partner. The honor demonstrates a deep commitment to community impact and a strong partnership with the nonprofit.

https://t.co/TtgvLDlycI

[Michael Lyons @BonesLyons]

@billbarnwell The hardest part is that the last turnover was a guy with the ball, his knee down on the ground and the defender touching him in easy FG range, being ruled an interception.

[Michael Lyons @BonesLyons]

@hihimcfc @awealthofcs The INT was the game!

[Michael Lyons @BonesLyons]

McDermott made a huge blunder by deferring in OT. My family can vouch this is not sour grapes. The 3rd (and 5th, etc.) possession is much more important than the information from the 1st possession.

[Michael Lyons @BonesLyons]

@YardsPerPass It can't be an interception. His knee clearly hit the ground with only him touching the ball and he was touched by the defender at the time.

[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)…

[Michael Lyons @BonesLyons]

@YardsPerPass Yes, and there was a statistically significant difference!

[Eric Wood @EWood70]

My DUDE, Dion is in the running for the WPMOY Charity Challenge to support Dion’s Dreamers. Let’s get him in the top spot! Repost for your vote to count double today.
#WPMOYChallenge + @DDawkins66

[Michael Lyons @BonesLyons]

@YardsPerPass On my list, I would include the back-to-back comeback wins over Broncos and Raiders in 1990 as a single entry. I had to look this part up: 44 points in those two 4Qs!

[Michael Lyons @BonesLyons]

@YardsPerPass Most of the people that went to the comeback game didn't see the comeback! I had friends come by my seats at halftime and they were thinking of leaving, but stayed because I was staying.

[Dion Dawkins @DDawkins66]

#BillsMafia I need your help 😳Hit the RT to cast your vote and bump me up to 1st place to support Dion’s Dreamers ⛄️

#WPMOYChallenge @DDawkins66

[Michael Lyons @BonesLyons]

Happy New Year!

[Community Notes & Violations @CNviolations]

How does someone even get this good at a game

[Michael Lyons @BonesLyons]

@YardsPerPass The execution in capturing consumer surplus was nearly flawless. PSL prices were in line with my original expectations. My surprise was that some season tix prices went down to keep the PSLs flowing. Really did their homework and the slow roll allowed them to learn as they went