A💫

[Slim Shady, CFA @SlimShadyCFA]

Alright then JT 😂😂😂 Slime em out

[X- Gabriel 1st place white sox @BearstownSox35]

Yes i am autistic ! I rather be autistic than Packers fans

[ʀɪʟᴇʏ ☘️ @CookedbyRiley]

They’ll never be us

[PC Strickland @PCStricklandMMA]

How it feels to be a Strickland fan this week:

#UFC328

[Heat Central @HeatCulture13]

Kyle Lowry has now beat the Celtics in the playoffs as the 8th and 7th seed

Legend.

[vids that go hard @vidsthatgohard]

THE GOAT IS BACK

[Warner Bros. Entertainment @WBHomeEnt]

Start your engines because SPEED RACER is coming to 4K Ultra HD on 5/19!

[Ilia Topuria @Topuriailia]

Once again Islam comes up with an excuse. This time it’s an injury.
I always knew I would be part of the White House event. Even when the UFC told me at one point that they wouldn’t count on me for the event, I knew it was part of the negotiation.
When they finally told me I would be on the White House card, they mentioned Islam and I didn’t hesitate for a second to accept the fight.
Even though the fight hadn’t been officially confirmed yet, the White House card was going to be announced the next day. And when I woke, I found out that Islam had gotten injured.
And then Justin Gaethje appeared.
Once again, someone else who will pay for Islam’s escape.
Both of their manager is a bitch and also ugly as hell.
Justin, see you at the White House. I’m not someone who humiliates people.
It will be quick. When you wake up, everything will already be over.

[Gandalf the Red @Mithrandir_AFC]

Arsenal is a CIA experiment to see how far people can be pushed before straight up killing themselves

[The HEAT Realm @WadexFlash]

Heat, Bulls and Hawks fans watching the Hornets try to ruin their annual play-in invitational

[Lost Internet @LostMemeArchive]

smokin big doinks, 2017

[Barstool Sports @barstoolsports]

White Men CAN Jump!!!!

[DripMasterFlex 🕷️ @DripMasterFlex1]

Jerry Rice says Justin Jefferson
Tom Brady says Justin Jefferson
Randy Moss says Justin Jefferson

But the clowns on this app keep telling me otherwise 😂

[The HEAT Realm @WadexFlash]

I’m genuinely so glad Jimmy Butler ended your poverty franchise.

Have fun paying someone who’s not on your team 20M for the next 4 years.

https://t.co/WwnXGRnRbm

[Ye Charts @kanyechart]

Kanye West’s “Runaway” has re-entered the iTunes US chart TOP 200, at #159.

[Yerrr 🇵🇸 @MaceAhWindu]

That's actually the most insane piloting sequence ive seen in Star Wars lol

I remember seeing this opening night and it felt like watching an 80 yard touchdown

[Barstool Penn State @PSUBarstool]

Lmfao

[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)…