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Recent content by Polish Hammer

  1. Polish Hammer

    Personal Finance Advice and Education!

    401k already getting maximized and taking advantage of the corporate match. Been funneling more into HSA over the last few years as I've learned about it. That tax bracket cliff is exactly the one I try to tiptoe up to each year with these withdrawals. Definitely trying to avoid that last...
  2. Polish Hammer

    Stock Thread

    Fair point - I didn't know that other one was there. I've enjoyed popping in here from time to time and mostly just follow Todem's advice. It was fun gambling on things like RIDE and CYDY, but since I never knew when to sell they are just sitting in my account waiting to offset a positive sell...
  3. Polish Hammer

    Personal Finance Advice and Education!

    Have an inherited IRA that I need to keep whittling down to have to zero by 2031. Don't have any "need" for the money in it this year, but selling off a chunk to convert out and still remain within my 2024 tax bracket. Looking to just reinvest at this point. Likely doing a Boglehead-esque fund...
  4. Polish Hammer

    Stock Thread

    Have an inherited IRA that I need to keep whittling down to have to zero by 2031. Don't have any "need" for the money in it this year, but selling off a chunk to convert out and still remain within my 2024 tax bracket. Looking to just reinvest at this point. Likely doing a Boglehead-esque fund...
  5. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    I have LAC now and they've served me well. But the schedule is getting tougher and DET is available. Need to make a decision...
  6. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    I got LAC last week, but MIN was dropped and we have blind bid waivers. Any thoughts on if it's worth spending FAAB or just roll with the Chargers?
  7. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    I've been largely riding the Browns so far. LAC, HOU, and PHI are all available this week. Are any of them better for a few weeks? What is the feeling on BAL this year?
  8. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    Have the Jets now but I'm worried CLE has an inspired game to climch a playoff spot. Can pick up LAR (@NYG) or CHI (vATL). Any strong feelings here?
  9. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    In this league I have gotten into a pretty lucky situation. Already locked into #1 seed and a bye for week 15, so I'm left to focus on weeks 16-17 for team building. Currently have the MIA defense, but not loving their matchups of vDAL and @bal. There are some nice options on the WW, though, so...
  10. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    Dolphins have nice matchups on that list until weeks 16/17. I currently have the Saints who have largely been solid, but the schedule going out has a bye this week and DET week 13. Would you do the swap? Could also considering dropping Doubs as my last bench WR. Saints/Dolphins would give these...
  11. Polish Hammer

    *** San Francisco 49ers *** discussion thread

    Is there any reasonable chance that Darnold could play so well this week he holds onto the starting QB gig? Or is the job still Purdy's as soon as he is ready?
  12. Polish Hammer

    2025 Team Defense & Defense by Committee Thread

    Drafted the Saints and they've been fine so far. Roll with them or go after hot hands with nice matchups like Chiefs, Dolphins, or Jags?
  13. Polish Hammer

    WR Cooper Kupp, SEA

    League Dominator is still projecting him for points Weeks 3 & 4. Who needs to know this to fix it? Wonder if other IR players are seeing similar issues.
  14. Polish Hammer

    WR Cooper Kupp, SEA

    For those that drafted Kupp when things looked rosy, what are you doing? I took him in an auction and am debating trying to sell him at what will obviously be a discount. Hard to drop out not knowing what could come, but would hate to hold on only to cut him in week 5 or something. Currently...
  15. Polish Hammer

    What Do You Plan And Hope To Do After You Retire? (21/30)

    Currently 45, should be able to retire at 60, trying to find a way to semi-retired at 55. Want to do a lot of the things mentioned. Travel, volunteer, spend time with my kids and their potential families. We've been super aggressive with 401k and other investments, so should be good there as...
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