richexitplan

35 | passionate about investing and financial freedom. hoping to hit FIRE in 5 years. $1.3m NW. Not advice. SIWK. Mostly on Threads.

[richexitplan @richexitplan]

NIST standardized three post-quantum algorithms in 2024. Just yesterday, October 27, 2026, it published its finalized migration roadmap. U.S. federal high-value systems face accelerated targets of 2030 for key establishment and 2031 for digital signatures.

Bitcoin next?

[richexitplan @richexitplan]

@AnxiousHolly Manufactured obsolescence

[richexitplan @richexitplan]

Give me $10,000 out of nowhere. It goes straight to index funds.

No new TV. No trip upgrade. No “treat yourself” budget.

Surprise money gets the same plan as planned money.

It doesn't change what I buy. It just gets me to the goal faster.

[richexitplan @richexitplan]

@Kalshi costs me $150 a visit lol

[richexitplan @richexitplan]

Every dollar in debt is a dollar working against you.

[richexitplan @richexitplan]

Was thinking about getting an iPhone Duo, but didn’t get around to preordering. Seeing them pushed out to January.

That’s 1/3rd of the way through the release cycle. Guess I’m keeping the iPhone 14 Pro Max. Lol.

[richexitplan @richexitplan]

@heatbit_com Innovation 💪🏻

[richexitplan @richexitplan]

A 50% crash needs a 100% comeback.
$100,000 drops to $50,000.

Up 50% from there gets you $75,000.
Still $25,000 short.

That's why I don't sell on red days.

I check daily. I just don't flinch anymore.

[richexitplan @richexitplan]

@unusual_whales Home equity isn’t liquid though.

[richexitplan @richexitplan]

Your tax bracket is not your tax rate.
Assume a $100,000 salary. $12,000 in federal tax.

Effective rate: 12%.

But your last dollars were taxed at 22%. That marginal rate is the only one a decision touches.

It's why I max my 401k first. $24,500 at 22% saves $5,390 this year.

[richexitplan @richexitplan]

@CNN Absolutely tone deaf. Read the room

[richexitplan @richexitplan]

@michelleo_21mil Cooked.

[eigenesis (misaligned) @eigengenesis]

the only moat left is the love of the game

[richexitplan @richexitplan]

@Djkeene1 Funny how the H-1B debate focuses on jobs while ignoring taxes.

Build a $2M+ VTI portfolio on an H-1B, leave the U.S., become a nonresident, and those unrealized gains can potentially exit the U.S. tax net entirely.

They get more favorable tax treatment than citizens lol

[richexitplan @richexitplan]

Really appreciate the welcome gift from @River

Just goes to show you how crazy inflation can get!

[richexitplan @richexitplan]

Income too high for a direct Roth IRA?

1. Contribute to a Traditional IRA (non-deductible).
2. Convert to Roth. Pay little or no tax.
3. Done: $7,500/year of tax-free growth (2026 limit).

The pro-rata rule is the only trap. Know it before you start.

[richexitplan @richexitplan]

@bennyandthesats @JoeCarlasare @grok

[richexitplan @richexitplan]

@Kalshi moved the remaining balance i had in apple cash into bitcoin

[richexitplan @richexitplan]

The 401k match is a 50–100% instant return.

No stock, crypto, or side hustle beats it.

Not capturing the full match is turning down a raise.

Check your contribution rate today.

[Joe Consorti @JoeConsorti]

In 2020, a $1,200 stimulus check bought about 0.18 Bitcoin.

Trump's proposed $5,000 stimulus check buys about 0.06 Bitcoin.

That's what 6 years of money printing looks like.