Acecow

Something, something, video games

[Acecow @JustCHA]

Wow, round two

[Acecow @JustCHA]

Imagine not tweeting anything useful for 6 years

[Acecow @JustCHA]

@StreamerBans lets gooooo

[Acecow @JustCHA]

@Charleemanderz There needs to be a "favorite post-game" category

[Acecow @JustCHA]

@OneillAnimator Now if only it was in more than 7fps 🤣

[Charz💫 @Charleemanderz]

😂😂😭

[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)…

[Amtrak @Amtrak]

THE UNBRIDLED GREATNESS OF TRAINS WILL ENDURE FOR A MILLION YEARS

[Acecow @JustCHA]

@Charleemanderz can't believe you didn't post the most important stat, winrate with me 😎

[Acecow @JustCHA]

@Kittspresso Dyeing* wow git gud

[Acecow @JustCHA]

@gumayusing give me galio and prestige galio

[🧦🔑 #POTOWIN @sockO_O]

happy #Worlds2025 finals day

[Acecow @JustCHA]

@abbbeybee KT/TES finals leggo

[Acecow @JustCHA]

@abbbeybee

[Acecow @JustCHA]

@Ryntern Rip guess you have lupus or stage 4 cancer now

[Acecow @JustCHA]

@gumayusing Everyday I stare in disappointment at this Yone skin

[Jon Favreau @jonfavs]

The President is now deploying red state military to blue states over the objective of people's elected representatives in those states.

He's ordering U.S. troops to patrol cities in places that - at worst - have a couple blocks that could use a few more police, or even some federal law enforcement. A judge that Trump appointed just ruled that Trump's deployment isn't legal, saying there's no evidence that the protests were "significantly violent or disruptive."

But Trump is sending U.S. troops in anyway, from a red state, right after he told a room full of generals that the country is at war with an enemy from within, and after the President just told the Navy that the country has to "take care of" the Democrats.

The President is sending our military in to protect an army of masked federal agents who - while they may have begun by focusing on violent criminals - are now arresting legal residents and American citizens so they can hit Stephen Miller's quota or lose their jobs.

They are filming themselves using force against people who have not yet been found guilty of a crime. They are violating the basic 4th and 5th Amendment rights of Americans - every day. The person they report to - the most powerful White House official - calls the opposition party a domestic extremist organization, and accuses judges who rule against him of being legal insurrectionists.

I honestly don't know how Democrats can have any part of funding a government that will use the money to continue this. I don't know how this is not the focus right now.

[Acecow @JustCHA]

@Sam_FKC @lolesports My biggest issue is with champion select. I feel that there's no weight to the music nor audio cues for bans OR picks and we're just relying on the music and casters, which don't match the tone or go off on tangents anyway. I feel this is especially egregious for game 5s

[Acecow @JustCHA]

@Charleemanderz Yeah, it's illegal to be allergic to stuff now too