Today S&P500 is 7,501.80… if we get below 6500 make it so! — David Lloyd Rabine 2026/07/22 14:21

• Have $420k in something that maintains against inflation (moneymarket?)
  • This is a 4 year $100k/year buffer to ride out any down turns in the market
• The rest in stocks
  • For now 2x as much in Europe as the USA because reasons

• Extract 6% per year during normal times
• If market is going down, extract from your $420k buffer and let the stocks ride it out

NOTE: You CANNOT re-balance your account until the DOW hits 14,000 again… let it ride until then.

Your 401k is your best friend. (I liken this to my mana vault) – see note below on double tax on loan repayments! doh!

• 2008 401k Contribution Limit: $15,500
• Loan repayment from money you've borrowed from your 401k does NOT count towards your yearly contribution limit. (according to our HR person at SSAI on 2007/12)
• You are DOUBLE taxed on any money you pay back via a loan… because you're paying into your 401k with post tax dollars, and then you get taxed again when you extract it (retire). OUCH!