Anonymous
01/23/2026 15:42
Subject: Re:You're going to think I'm crazy
Anonymous wrote:Anonymous wrote:It's never been that hard, with or without Chap GPT. The vast, VAST, majority of Americans do not need any outside financial help. Minimize tax exposure first (always) and then park any excess in a strong Vanguard fund. There really isn't that much more to it and paying someone for that advice is asinine.
How do you find someone to help with minimizing tax exposure?
A good accountant can do that for you. Unfortunately for W-2 high earners there isn’t much you can do, but any accountant can advise.
Anonymous
01/23/2026 14:32
Subject: Re:You're going to think I'm crazy
Anonymous wrote:It's never been that hard, with or without Chap GPT. The vast, VAST, majority of Americans do not need any outside financial help. Minimize tax exposure first (always) and then park any excess in a strong Vanguard fund. There really isn't that much more to it and paying someone for that advice is asinine.
How do you find someone to help with minimizing tax exposure?
Anonymous
01/23/2026 14:28
Subject: Re:You're going to think I'm crazy
It's never been that hard, with or without Chap GPT. The vast, VAST, majority of Americans do not need any outside financial help. Minimize tax exposure first (always) and then park any excess in a strong Vanguard fund. There really isn't that much more to it and paying someone for that advice is asinine.
Anonymous
01/22/2026 17:57
Subject: You're going to think I'm crazy
Anonymous wrote:I think the challenge of using AI is whether you have the expertise to identify when AI is making a mistake. The stakes are super low when I'm using AI to create an infographic for a powerpoint at work. But I certainly wouldn't want to rely on AI and have them be wrong about my retirement withdrawals.
All the other tools are wrong too.