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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 22 May 2019
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      Things I have an extreme amount of aesthetic distaste for: Systems which have an obviously optimal play which civilians are largely unaware of and participants are unable to tell civilians about due to professional guild rules. This is obviously an affront to justice.

      8 replies 36 retweets 219 likes
      Show this thread
    2. Patrick McKenzie‏ @patio11 22 May 2019
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      One example I can actually discuss because it is explicitly not a professional interest: if you’re in the middle class, you have your IRA at a brokerage. You might sensibly wonder “Hmm can I contribute to a Roth IRA this year.” Your brokerage cannot tell you the true answer.

      2 replies 4 retweets 36 likes
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      Patrick McKenzie‏ @patio11 22 May 2019
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      There is a formal answer, which is “Here is an IRS chart of income against contribution limits. If you have questions, speak to a tax adviser.” This answer is so incomplete as to be false, and the falsity is largely available to folks wealthy enough to have tax advisors.

      4:13 AM - 22 May 2019
      • 38 Likes
      • Patricia M Brent Chris Powers Dogs Don't Make Jokes Near Humorless People David Wilkinson Anna Gát Jacob Ruiz Greg Brrrrrson bayes base bays based Jackie Luo
      2 replies 0 retweets 38 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 22 May 2019
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          The actual truth is that there is no upper limit to income for Roth IRA contributions. There is a simple two-step process which makes them possible at all income levels, to the maximum yearly contribution. Tax advisers with wealthy clients will just do it automatically.

          4 replies 2 retweets 44 likes
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        3. Patrick McKenzie‏ @patio11 22 May 2019
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          This particular example is a First World Problem, since one has to be well off to trigger the Roth contribution limits, but there are many, many, many similar things where not knowing the password has negative consequences for folks who everyone would agree should not bear them.

          3 replies 3 retweets 53 likes
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        4. Patrick McKenzie‏ @patio11 22 May 2019
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          Bless the Internet for making many of the answers a Google search away, but often the ability to distinguish them from “Drink bleach to power up!” is hurt by the requirement that everyone who knows they are correct having to pretend to be in a state of ignorance due to the law.

          3 replies 4 retweets 52 likes
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        5. Patrick McKenzie‏ @patio11 22 May 2019
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          Don’t drink bleach. Do contribute the maximum to a Roth IRA every year if you are employed in technology. The mechanics are widely available on Google; the magic word is “backdoor contribution.”

          5 replies 5 retweets 127 likes
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        6. Patrick McKenzie‏ @patio11 22 May 2019
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          One of the best things about programming as a profession, and a hill I will die on, is that we did not standardize on “You want to sort an array? Talk to a licensed programmer; I can’t give programming advice.” and “I am a licensed programmer but not *your* licensed programmer.”

          10 replies 52 retweets 271 likes
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        7. End of conversation
        1. New conversation
        2. Kamil Choudhury‏ @kchoudhu 22 May 2019
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          Replying to @patio11

          Speaking of, I need to roll my IRA into a self directed 401K.

          1 reply 0 retweets 0 likes
        3. Daniel Baird‏ @danieljbaird 22 May 2019
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          Replying to @kchoudhu @patio11

          This advice needs a Rosetta stone.

          1 reply 0 retweets 0 likes
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