auc

It makes a bunch of assumptions in the first paragraph that just aren’t true.

Maybe their hardware is commodity (arguable), but the product + integrations are not.

https://www.cdc.gov/niosh/work-hour-training-for-nurses/long....

“The human brain can respond to sleep deprivation by reducing alertness and generating microsleeps – involuntary episodes of sleep lasting a few seconds.

During microsleep, you may appear to be awake (eyes open), but your brain will not process information. Thus, lapses in attention occur.“

Obsidian for storing raw information and connections, and Notion for my to-dos/trips/lists.

How would you incentivize people to find fraudulent companies like Enron?

An American option should be priced assuming that the option is optimally exercised, otherwise this would create a soft arbitrage opportunity. The difficulty is determining when the option is optimally exercised because it depends on several potentially unknown and difficult to model factors.

"scrolling, zooming, changing intervals and timeframes" is just not something that people need to do at a high frequency, and generally just using the mouse wheel is pretty fast and good enough.

The IRS website is pretty vague on what the implications are besides providing "protections".

I added this to the page :)

Vanguard has this stuff across many different webpages managed by different groups. The usefulness is that this info is all aggregated in one page, and also includes info not provided by Vanguard.

Not that I need to justify this post to you, but Vanguard does not talk about: heartbeat trades on mutual funds, 529 on unborn child, megabackdoor, SEPP, amongst many other points.

"no one who retires early uses a Roth IRA." This is just patently false and I would recommend researching schemes like ROBS to benefit yourself. Peter Thiel and Mitt Romney are famous examples, the former literally has billions in his Roth. Also, as mentioned in my post, you contribute to your traditional 401k tax-free in your high-earning years and then convert to a Roth Ira in your early retirement slowly.

"If you were planning on exotic types of investment strategies, you're better off doing that in your actual investment choices versus the vehicles you plan on using to do so." If you have a high edge investment strategy, you actually would want to do it in a Roth.

"Tax advantaged accounts are for people who plan on retiring at traditional retirement ages. Brokerage accounts for everything else." This is false. If you have 10M at 25 and will never make a single dollar ever again, you'd still want to contribute to your retirement accounts, albeit in a smaller rate.

"Most people who purchase healthcare do it for healthcare purposes, not investing. Turns out most people don't like high deductibles." Key word: "most". If you are young and healthy, you can take it. In the case of an absolute disaster, you'd quickly hit your deductible limit (e.g. my HDHP has a $3k deductible. Easily handled).

"Who actually says to themselves, 'Yeah, I'm going to set up a backdoor or mega-backdoor tax advantaged account,' but also wants to retire at 67? It just sounds insane to me that you'd put in all of this effort to screw yourself." Look up the SEPP exception.

You say "What pisses me off is no one talks about organizing your accounts around early retirement" but I allude to this in my post about Traditional 401k* -> Traditional IRA -> Roth IRA conversion. There is a huge benefit to this if you have an early retirement.

About the "pre-tax" and "post-tax" terminology, you are right, I should change "post-tax" to refer to when distributions are tax-free. I had to keep the table to a certain width, so had to come up with short terminology.

I think calling an HSA "a pre-tax account that is only allowed to spend money on healthcare related items" is fair, because that's how the government refers to it. https://www.treasury.gov/resource-center/faqs/Taxes/Pages/He... "Health Savings Accounts (HSAs) were created in 2003 so that individuals covered by high-deductible health plans could receive tax-preferred treatment of money saved for medical expenses". The rest of your point on HSAs stand though.

IRA - "with an income of $140k, one cannot make ANY contribution, at least directly." Yes, this was a typo, meant it specifically only for Roth.

"One feature not many understand is that at any age, you can convert money from Trad. IRA to Roth, pay the tax" I briefly mention this in the post, but left out details for brevity sake.

"So if you can afford to pay the tax now and wait five years, you can get some or all of your money out of your IRA at any age without penalty." I do not think this is correct in the normal case. You must be 59.5 years of age unless you qualify for an exception. Also, you wouldn't want to take this money out early anyway unless you direly needed to.

For your 529 point, I only hinted at this and could've worded it better, but switching beneficiaries and the $70k limit is relevant if you have a 529 for an unborn child that you are accumulating. I'll reword this.

The 10 year rule applies to a traditional -> roth conversion to high income earners.

"If you contributed to a Roth when you made too much to qualify—or if you contributed more than you’re allowed to either IRA—you’ve made an excess contribution. That contribution is subject to a 6% tax penalty"