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I’m in Minnesota. This is the second year in a row where wildfires have made our air quality hazardous in late spring/early summer. And at the same time, our temps are cooler because our skies are hazier. I think this is just a new normal now for us in late May and early June.

We will all be seeing various effects of climate change going forward. Things like this. Things that are not necessarily just the temps trending toward “a little warmer.”

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Taxes / Re: how do taxes interact?
« Last post by mistymoney on Today at 06:33:15 PM »
I am starting roth convertions that I will do for a few years. I am fine doing them into the 24% tax rate, but I definitely want to stay out of 32%

Plan to be a little flexible depending on how the market and tax rates pan out over time. Still working out this strategy.
Depending on your age and health insurance, either of Roth Conversion and Capital Gains On ACA Health Insurance or Roth Conversion with Social Security and Medicare IRMAA might be worth a read.

thanks! will read it up!
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Ask a Mustachian / Re: Need a budget critique
« Last post by davef on Today at 05:35:10 PM »
Trust me, I'm pretty close to pulling the plug.... Unfortunately, If I do, I am left with the same expenses, and trying to find another 2,000 a month for an apartment...See my other thread for considering divorce.....I love my job, and I have a pretty good pay for someone without a degree (155k). I dont think I could make more than half that in a job without travel.
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Do it Yourself Discussion! / Re: Roommate proofing?
« Last post by Sibley on Today at 05:33:11 PM »
I would make a list of things you want him to tell you about and a list of chores need to be done and at what frequency, and then give him an easy way to communicate with you. That method of communication should NOT be verbal or face to face. Also, put it on your calendar to specifically check in with him about things. Since you're ok with him staying, it sounds like limiting the potential damage is the best you can manage.

Agreed to check out Habitat Restore.
For paint - go with a higher gloss sheen. It's easier to clean and will hold up better.
Mix of cord boards and white boards might be the way to go, but ask him.
Maybe designate an area in the garage or wherever that he can put anything to get rid of? He could do that in the middle of the night if he wanted.

Overall, I feel bad for this guy. He really needs treatment for his anxiety, and its unlikely to happen.
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Ask a Mustachian / Re: Need a budget critique
« Last post by MaybeBabyMustache on Today at 04:56:16 PM »
I guess I'm left asking whether you want to stay married to your wife. If I read correctly, the last time you attempted counseling, she accused you of sleeping (assuming unfounded) with the counselor. And, you went for four months. Do you have a good sense of what's working and not working in your marriage? Were I in your shoes, the budget would be the least of my concerns. I'd start looking for a job that doesn't require 100 days of travel/year, and understanding how we could navigate a separation*, unless you think another counselor might work miracles.

*I don't suggest this lightly, but things seem incredibly challenging if a four month investment in marital counseling led to accusations of cheating with the counselor vs progress on improving your marriage.
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Throw Down the Gauntlet / Re: 50 Books in 2025
« Last post by nessness on Today at 04:53:49 PM »
31. The Stolen Book of Evelyn Aubrey by Serena Burdick

32. The Serviceberry: Abundance and Reciprocity in the Natural World by Robin Wall Kimmerer
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I always try and do a little tidying at the thrift store - I joke that it improves your thrift karma.

My GD was driving a family member to do errands because I knew the area and the driving conditions were difficult.
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DS19's friend came over & picked up all of the camp uniforms we've collected (shirts & hoodies). The camp counselors are expected to wear them every day, but are only provided one shirt, and I don't think hoodies anymore. Neither of my teens are working there this summer, and we had six shirts/hoodies. DS19's friend is living on his own this summer, so not having to wash his uniform shirt every day is a big win. Plus, six items out of my house!
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Ask a Mustachian / Re: Need a budget critique
« Last post by davef on Today at 04:18:29 PM »
"Yes, the kids a have lots of individually packages stuff for their lunches. Oreos, small bags of snacks, juice boxes"

- Note that this and restaurant food are not in line with your stated goal of eating healthy.

Generally the healthy food is pretty okay price wise: fruit and veggies, pulses, oats, healthy oils, low or no meat etc, basic stuff you prepare yourself.

Well, we like meat....
On weekdays I am home (Remember I travel 100 days a year)  I make breakfast at 6am while my kids make their own lunch.

Usually I usually make 1 meat, we rotate bacon, sausage, or corned beef. Eggs made to order. There is always strawberries or blackberries but the kids dont usually eat them.  They will eat apples bananas and watermelon as a snack. I do an omelets ever few days to use up lefotver meats and veggies.  Occasionally biscuits form a can when we run out of toast. On weekends my wife does pancakes or waffles or we eat cereal.

The kids normally do a ham or Chicken sandwich with Diya Cheese (We are all allergic to dairy) and mayo, A Juicebox, 2 oreos and a small bag of pretzels or chips.

I normally cook salads or occasionally poke bowls, or Chilli for my wife and I for lunch.

I cook Dinner too. Mondays is Salmon and rice, Tuesday tacos, Wednesday we order Pizza (or occasionally bbq ribs), Thursday or Gyros greek salads, or shrimp salads, or Brats on the grill, Friday hamburgers on the grill, We normally have at least one meal out each weekend, and leftovers.

So that 1200 dollars for restaurants is typically Wednesday and Saturday dinner, and a few lunches a month when I am out of town. 

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LateStarter - See above for my argument that Bitcoin is already mainstream, especially that 1 in 6 adults have owned it.

Read your own source again, more carefully:
'US adults' is not 'adults'.
'cryptocurrency' is not 'Bitcoin'

My understanding is that the Strategic Bitcoin Reserve (SBR) is being setup using Bitcoin that "was forfeited", not new purchases.  For example, when the FBI seizes Bitcoin used for illegal activity, from now on that Bitcoin will be transferred to the SBR rather than sold.

"The Strategic Bitcoin Reserve will be capitalized with bitcoin owned by the Department of Treasury that was forfeited as part of criminal or civil asset forfeiture proceedings.  Other agencies will evaluate their legal authority to transfer any bitcoin owned by those agencies to the Strategic Bitcoin Reserve."
https://www.whitehouse.gov/fact-sheets/2025/03/fact-sheet-president-donald-j-trump-establishes-the-strategic-bitcoin-reserve-and-u-s-digital-asset-stockpile/

Read your own source again, more carefully:

'(c)  The Secretary of the Treasury and the Secretary of Commerce shall develop strategies for acquiring additional Government BTC provided that such strategies are budget neutral and do not impose incremental costs on United States taxpayers.'

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