formal apology to my parents for my behavior during the 2008 recession. if someone asked me to buy them a nintendo ds and an annual roblox membership rn i'd actually blow up
Met with a financial advisor today
My wife set it up
She wants "a professional opinion" on our retirement
Nice office
Glass desk
Diploma on the wall from a school I've never heard of
The advisor was 23
Maybe 24
He had a pullover vest and a rehearsed handshake
He handed me a pitch book
It had someone else's name on it
I chose not to mention that
He said "based on your risk profile I'd recommend a 60/40 portfolio"
I said "what's the fee?"
He said "1% annually"
I ran the compound drag over 25 years in my head
Said the number out loud
Then I said it again slower
His smile went away
I said "what's the tax strategy?"
He said "we review that annually"
I said "what's the Roth conversion ladder? The asset location framework? The blended expense ratio on the underlying funds? Why wouldn't I just buy VOO for free and do this from my phone?"
He opened his mouth
Closed it
Excused himself
Came back with his boss
Same vest
Bigger watch
The boss said "I hear you have some concerns"
I said "not concerns. Questions. Your 23-year-old couldn't answer them. That's my concern."
My wife kicked me under the table
I kept going
The boss said "the value is in the relationship"
I said "that's what my therapist says too. She charges $250 an hour. You're charging more and doing less."
The boss looked at my wife
My wife looked at the ceiling
I've now been to a therapist, a realtor, a car dealership, and a financial advisor this month
My wife has walked out of every single one
I asked her in the car what she thinks the common denominator is
She said "you"
I said "interesting. Not sure how to model that."
Plz fix. Thx.
Sent from my iPhone
Baker Mayfield doesn't get enough credit for how much he's truly carrying this team. Down his FOUR starting WRs, two offensive lineman, a starting RB, and STILL managing to elevate everybody around him and make timely play after timely play while avoiding turnovers. Unreal.
Bucs note that rookie Emeka Egbuka is the first player in NFL history to get 25+ catches, 400+ receiving yards and 5+ touchdowns in his first five NFL games.