Would love some advice on my current setup & goals

2021.10.16 03:53 freefirethrow098 Would love some advice on my current setup & goals

My husband & I are looking to be financial independent in our 40s, currently 28/30. I'm new to this sub and the concept of FIRE, and would love some input from the community on our situation.
We started our journey 2 years ago and are lucky to be doing really well off and putting around 100k/year into retirement/brokerage/etc.
Current rough net-worth (combined for the both of us):

Total: 500k net-worth
Our current budget allows us to max our 401k ($39,000), and add an additional $60k per year into a brokerage account. My current calculation put us at about $4MM by 45ish or so if we continue this way (probably more because I didn't factor the house in this which could be around $1M by that time)

My questions:
-We currently work with a financial advisor who manages our portfolios for 1% yearly fee(goes down after 1M). I figured that since we will eventually have millions in our portfolio we might as well let a professional handle it. Is this the right way to do things? Do people here normally suggest to manage their own portfolio? I don't really have much knowledge of portfolio management and have previously just dumped everything into S&P500. I would like to add that on top of managing our portfolio the advisor has been great at advising us on self employed/business taxes, and overall financial advice whenever we have it.
-The current allocation is 91% domestic stock, 7% foreign stock, 1% short term. Which fidelity says is very risky.
-Is contributing to 401k/brokerage every year the right way to do things, or should we have some diversity? Real estate? Businesses? etc.. For example: since we are in the tech industry we have considered not putting the $70k into brokerage next year and instead using that to invest into a business.
Would just love some overall insights from this sub. I'm confident that we'll be able to continue this way and reach our goal of FIRE by our mid 40's, but I am curious on if our current diversity, portfolio, and using the advisor is too aggressive.
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2021.10.16 03:53 Tal-Mawk Thanur Godsmocker, Herald of the Scarred

Thanur Godsmocker, Herald of the Scarred
https://preview.redd.it/psk9dyx9xpt71.png?width=1416&format=png&auto=webp&s=4c8dba574cad25ad8a3cf51c2f4fa9be5b7bf620
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2021.10.16 03:53 lordfarqua69 Ethernet speeds super slow

I’ve been having issues with my Ethernet speed being in the low 90s which makes downloading stuff horrible. I had a buddy come check it out he put a tester on the Ethernet cables and it’s like the speeds shot back up to 800s couple days later it’s back down to the 90s. He says there might be some interference going on inside the walls where the cables are. I’ve connected a laptop directly to my router and I’m getting 900mbps so it leads me to the cables. Any idea on what I can possibly do to fix this. Possibly a new switch ??
submitted by lordfarqua69 to HomeNetworking [link] [comments]


2021.10.16 03:53 moosealone Where is the serial number?

Good evening everyone. I have a Diamondback HP 1” 4-16*42 riflescope and I am going to sell it. Because I have 2 identical scope, so I have to match the scope to the factory box. I could not find the serial number on the scope. I would appreciate it if anyone could tell me where I can find the number.
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2021.10.16 03:53 FailedmyTest If this post gets 1000 upvotes, the mods of r/nbacirclejerk will be forced to turn this sub into r/GuyCarbonneauGOAT

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2021.10.16 03:53 Mundane_Swordfish_30 How to stop drinking without AA?

I (29 F) drink around 8 bottles of beer everyweek and it is slowly ruining my skin. I can see premature lines on my forehead & between eyebrows and it is making me feel really sad. The thing is that, I tried to stop cold turkey but I always find an excuse to drink. I live in a small city and find it hard to replace alcohol with other fun activities. I can't think of anything to do after not drinking for a few days, it is not like a crisis but more like I want to drink because I feel bored. In my country there is no such thing as AA groups and because that I spend money on alcohol it is hard for me to afford a therapist. How can I stop drinking by motivating myself?
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2021.10.16 03:53 Alexbern7 Pulled Dracomorph today, looking for UNM team help <3

Pulled Dracomorph today, looking for UNM team help <3 submitted by Alexbern7 to RaidShadowLegends [link] [comments]


2021.10.16 03:53 brmot1 Found Hamz alt Reddit account…

Found Hamz alt Reddit account… submitted by brmot1 to HamlinzFam [link] [comments]


2021.10.16 03:53 Difficult_Border_758 PIC

PIC submitted by Difficult_Border_758 to nocontextpics [link] [comments]


2021.10.16 03:53 minneflowta Dummy Leg Templates

Just wondering if anyone knew of any websites where I could download or print templates for dummy legs? I forgot my ordinates book at home and I am at work already (fly in fly out job). I have to fab up two 6" on 8" dummy legs, so its not that big of a deal if I just have to do trial and error but ya if anyone knows of a resource for templates thatd be great.
submitted by minneflowta to pipefitter [link] [comments]


2021.10.16 03:53 livingthedream2312 What font is on this hat?

What font is on this hat? submitted by livingthedream2312 to identifythisfont [link] [comments]


2021.10.16 03:53 DispersedBeef27 My armpits burn after shaving, why

I don’t understand, and it’s only my armpits too. Everywhere else I can shave just fine. Can someone tell me 1.) Why 2.) How can I make it stop burning 3.) How can I prevent it next time
submitted by DispersedBeef27 to feminineboys [link] [comments]


2021.10.16 03:53 Hahota2 Annoying Matchups

Annoying Matchups I've been playing Corki since preseason11, cuz of the items' rework which revived his viability. I'm just curious about yall opinion what matchups do you guys feel frustrated to play against? For me, the matchups' difficulty changes from time to time. Here is my difficulty tier list.

https://preview.redd.it/igbi74gfxpt71.png?width=1252&format=png&auto=webp&s=793bb7936ef53d6c4a0e929973d59e55ff713d53
submitted by Hahota2 to CorkiMains [link] [comments]


2021.10.16 03:53 dontouchmybutt Just got diagnosed at 27...first time trying medication.

I just tried short-release Ritalin, and for the first time in my life I felt what it's like to have one single thought in my head. I usually have a million and ten thoughts running around, and I truly just thought that was normal. It was so easy to focus that I just completed a ton of tasks I had been putting off for 3 months or more. I'm shocked and honestly feel so relieved.
submitted by dontouchmybutt to adhdwomen [link] [comments]


2021.10.16 03:53 Current_Ambition2371 Video Quality

Ok someone’s gotta say it, so here goes. takes deep breath
Is anyone else a little disappointed in the poor video quality of these RIB/Archive momes? I know that might just be how things looked back then, but i dunno, it’s kinda taking away a little bit of the enjoyment for me.
Am I just being overly critical here or anyone else feel the same?
submitted by Current_Ambition2371 to nbatopshot [link] [comments]


2021.10.16 03:53 Fantastic-Oil-890 American Airlines FA training class 2021

Any recent graduates here or those in training now? How soon after training are you scheduled to work? How much time is given to move life and get situated? Are you commuting? Did you get your first choice base? ADVICE PLEASE! I’m leaving to training soon. TIA ❤️🙏 did you bring one luggage or two to training? How much do I bring?
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2021.10.16 03:53 spivey56 [Spoiler] The Caldwell Jake Relationship

Has anyone else felt extremely happy knowing that Caldwell and Jake have become friends since the podcast started? Like Murph, Emily, and Caldwell had 8BBC before this and Murph, Emily, and Jake were apart of Jake and Amir together. But Caldwell and Jake were kind of the friends that existed outside the group.
Then listening to the latest short rest hearing them improv together about the tall doll and how they worked on voices together on Zoom for their new characters in Eldermourne. I love it. No offense to Caldwell but it’s like the cool kid realizing all the dorky stuff is great(anime, D&D, etc.).
Just wanted to put out there that I really appreciate that a new friendship has been created from this amazing pod.
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2021.10.16 03:53 subwayeatfresh9 Budget Laptops that can stream console gameplay

Hi I don’t know much about streaming and the necessities but I’m looking to stream ps4/ps5 games on a laptop but I’m trying to find the best one for the lowest price, I’ve found the Acer Swift 3 specs are cpu:AmdRyzen7,4000 8gb/512gb Octa-Core with Radeon Graphics. If I just use this laptop solely for streaming my console gameplay how well will it hold up? Will it smoothly run 1080p 60fps? or are there other laptops out there for around the same price that can do better? Price is 687$ Thank you for the help!
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2021.10.16 03:53 0V3RS1RUS Uh oh

Uh oh submitted by 0V3RS1RUS to FuckNestle [link] [comments]


2021.10.16 03:53 pieanger What it's like dating a truck driver

What it's like dating a truck driver submitted by pieanger to AdviceAnimals [link] [comments]


2021.10.16 03:53 explantionsneeded occupying a space in between life and death I'm not even able to give equal weight to life or death

Beyond the forlorn who sits and weeps Where space isnt space in the depths of deep Still sinking further no light to dream But voices speak Hiding even words in awakened state Symbols of hope that arent my sweets Ideal versions of me make me regret the journey Step after step I make the pattern Quickening to reach a goal attainable in theory Seeking to become worthy again. In everlasting blackness where my attention goes too and fro All knowledge but practical application fails me. The breath fills me. And I let it go. My eyes shut to void outside then return to it inside. Disembodied structure ghostly strings of attachment echoes of echoes at the edge of my perception. Teyata gate gate paragate parasamgate bodhi svaha A open heart is no better then a closed. But imaginations ideal is a mercy. The smallest glint in remembering true origin Beyond the mountain that houses many birds. And the eyes of the wise Beyond the conception of conception And definitions mind.
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2021.10.16 03:53 LoveAnimeFan Cinnabar

Cinnabar submitted by LoveAnimeFan to LandoftheLustrous [link] [comments]


2021.10.16 03:53 Olive81 This old gal makes me smile every time I look at her 💜

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2021.10.16 03:53 uberblackninja About to add topical melatonin to my 5% minoxidil solution. What's would be the right concentration?

I'm trying to figure out the proper dosage needed to test/replicate the hair growth effects from melatonin in this study: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3681103/
I want to make sure that my math is correct before adding it to my minox solution. They've used 0.0033% solution in their study, which would mean,
0.0033% of 1 ml = 0.033mg 0.033mg x 60 ml = 1.98 mg
Is it correct that I basically only need ~2mg for the whole 60ml 5% minoxidil bottle?
submitted by uberblackninja to tressless [link] [comments]


2021.10.16 03:53 HawkEye1000x Readytogo123 on Twitter: #bitcoin going to $100K #digitalassets QUADRILLION $$$ industry. #tzero MERGING a #1stopshop platform w/ #crypto, #tokens, stocks, #NFTs! NEVER BEEN DONE! Retail can invest at these early stages! NEVER BEEN DONE! @tzero is the platform for the people! $tzrop $ostk $ostko

Readytogo123 on Twitter: #bitcoin going to $100K #digitalassets QUADRILLION $$$ industry. #tzero MERGING a #1stopshop platform w/ #crypto, #tokens, stocks, #NFTs! NEVER BEEN DONE! Retail can invest at these early stages! NEVER BEEN DONE! @tzero is the platform for the people! $tzrop $ostk $ostko submitted by HawkEye1000x to tZEROFreeMarketForces [link] [comments]


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