pinkyboy

Verified - and the actual payload to the iCloud endpoint is e2e encrypted ciphertext.

"reasonable person, what kind of definition is that???"

For 2026, the 401k limits are $72,000 overall, and $24,500 for pre-tax employee contributions.

Assume an employer who matches 50% up to pre-tax employee contribution max, the result is this:

$24,500 pre-tax employee contribution $12,250 employer match

This leaves $35,250 to the $72k limit.

Roth MegaBackdoor enabled plans allow the employee to put $35,250 of _after tax_ contributions in to fill that window, and to convert them to Roth assets. They can even be rolled out into a Roth IRA while the 401k is still active.

I have no clue why you think this relatively common plan option is, somehow, impossible.

Pretty much every EV can use Superchargers.

I'm setting aside that charging off of public EVs is relatively rare anyway... but your premise is flawed.

And you can plug almost any modern EV into the Tesla supercharging network without issue. However, unlike Teslas, you can _also_ plug and charge them in other networks.

On self-driving: if you want true autonomy, where you can relax and do something else entirely while you drive, the answers are Waymo, Apollo Go, and to a lesser extent: rideshare.

Every other system requires that you sit in the driver's seat, pay attention, and be ready to handle exceptions. Which means that ongoing improvements don't actually buy you much of anything, because having to handle an exception every 50 miles isn't a better experience than having to handle one very 5 miles.

R2s are already being delivered to customers.

There is no honest way to manufacture a $40k price gap.

Charging experience? Teslas can't charge as fast as a modern Kia, Lucid, Geely, or BYD. They can't two-gun charge like a BYD. They don't have battery-swaps like NIO. They've got a single charge port in a back corner... very unclear what's best about them.

And as for software, on the infotainment side, AA/CP are great (but not available on Tesla), and people often like having _some_ physical controls, which goes against Musk's aggressive cost-cutting.

If by software you mean FSD (Supervised), I think essentially every major auto lane-keeping + adaptive cruise covers the key use case where FSD is useful: highway slogs.

For anybody who lives outside of the USA, the Chinese EVs are the obvious answer -- they've surpassed Tesla on essentially every dimension.

For people who live inside the USA the math is different, since the government is actively interfering with the free market to protect a critical donor.

I have considerable Roth assets because my employer's 401k allows for the Mega-backdoor, which means I can put $30k+ per year of after-tax income into 401k (beyond the normal pre-tax contributions) perform a Roth-in-plan-conversion on the after-tax assets, and then roll it out into a Roth IRA.