All good, mate. Understood. I am literally surprised by the randomness of knowledge that people share, like this guy- he absolutely was dead on about the topic. I try to look at the good in all, it’s a good lens to view others in our crazy world. Cheers my friend- your well intentions are made.

Clarification: you must be the up-vote sheriff? That guys explanation was impressive and deserves the title, at the very least.

You must be an Icicle Engineer 🤓

That’s pretty Neat…

Make sure all cash in any account (number of ACCOUNTS doesn’t matter) is INVESTED. You are correct 15% for 401k is great. Roth is the best if you are not over the annual income.

Fidelity

Honestly, IRS.gov is your best resource- unless you have a seriously complex situation ie business, amt, trust etc

Investment Firms are going to be your best friend. Brokerage Account = savings account with access to the market. You can choose your own investments (self directed) and pay little to zero expenses for the account. A one year CD currently at 4.25%. Any equity’s aka stocks- you should have a long term hold on. Great time to buy in a down market. Do yourself a favor don’t EVER try and time the market and park your cash at a bank…that is LAME AF. Cheers!