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Yankees fan, semi-retired umpire, baseball card collector, politically homeless, lifter of heavy objects and all around good guy.

[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)…

[| ™ | @tmars7]

@DannyDeraney @pamsson @CameronMaybin

[| ™ | @tmars7]

@DannyDeraney @pamsson @CameronMaybin I'll get out and push the rest of the way to Detroit if you run out of gas.

[Brent Rooker @Brent_Rooker25]

It was good to find out that the one thing all of baseball Twitter can agree on is that the mid-inning interviews during the World Series need to go.

[This Podcast is Making Me Thirsty Seinfeld Podcast @ThisThirsty]

Jerry Seinfeld on Halloween. I'm Telling Your For the Last Time (1998)

[| ™ | @tmars7]

@MatthewR2415 @ScoringChanges @Jomboy_ It wouldn't unfold intentionally in real time, but what you're describing is correct.

If the batter passes the runner before the force out at home, that play at home becomes a tag play. Then at third and second base as well.

Would have been a crazier situation!

[| ™ | @tmars7]

@bludrof @espn @Cubs @WatchMarquee At least they're consistent?

[| ™ | @tmars7]

@YankeeLibrarian @MLBNetwork @TheMayorsOffice @YonderalonsoU @adnansvirk They were prepared to sell at the deadline if he was going to be out for any longer than he was.

[| ™ | @tmars7]

@pamsson White Sox walked Judge to PUT THE WINNING RUN ON BASE because it was safer than pitching to him.

[| ™ | @tmars7]

@jared531 @peterappel23

[| ™ | @tmars7]

@lucasmeducas @TalkinYanks Exactly the same thing.

[| ™ | @tmars7]

@TalkinYanks Guys it's real easy to just post the correct rule here instead of going along with what the broadcast incorrectly says.

Lodged ball is considered out of play, runners awarded one base because it happened on a pitch.

The rules of baseball are available for free on the internet.

[| ™ | @tmars7]

@ianfromphilly

[| ™ | @tmars7]

@ianfromphilly

[| ™ | @tmars7]

@ianfromphilly Guys it's simple...take the 4th letter from each of the last 12 weeks posts and unjumble them for the key to this coded message.

[| ™ | @tmars7]

No, @MLBTV. I will not watch your 15 second advertisement before watching a highlight video.

What's wrong with you?

[| ™ | @tmars7]

@ianfromphilly If you get there earlier next time they will let you play.

[| ™ | @tmars7]

@TalkinYanks

[| ™ | @tmars7]

Super nice of MLB to let paid MLBTV subscribers watch this Apple TV game as part of their existing MLBTV subscription. What a wonderful way to grow the game and get as many eyeballs on this matchup as possible. No blackouts. Love it.

Manfred should be commish for life.

[Jomboy @Jomboy_]

Ohtani goes deep! MLB getting the show they wanted. Really cool for baseball that both homered in the first at-bat.