Anybody been shooting at Lytle Creek lately? If so, how is it and what has your experience been like there lately?

Never been, just heard of stories ranging from its the best place to shoot long range out to 600 yards in the Inland Empire, to it's absolute Fudd Town and sometimes "people", whether they're range staff or undercover LE or what have you, randomly pop in and decide to take a good look at what you're shooting...or so I've heard.

Also heard that it used to be pretty trashy and really sketchy with the clientele and the "caliber" of customers that frequented the place but that its been turned around from what it was 10 or so years ago.

So whats the consensus on them? Is it worth the hour long drive each way to go?

I've really been wanting to find a place that can go past 100 since I've finally got my 2 AR10 builds running great now, plus want to test out my 2 AR DMR builds and M16A1 clone.

Are they good to go? Worth it? Patriots or fudds? Whats the pricing and best day to go with the least amount of traffic? Would it be better to just drive a little further out to BLM land and do it yourself? Bell Mountain was my go to spot from 2019-2022 but its just such a mission to go there and set up your own targets. Plus the snakes dont make it any better. Almost stepped on a baby Mojave last time I was out there.

Let me know the low down. Thanks in advance!

Peace.

I have dozens of lower builds under my belt and have just recently heard about the correct way of drilling the fcg and safety selector holes on a receiver by most professional machinists.

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They are all in 95% agreement that the holes should be drilled first before milling out the lower pocket.

I have always used the 5D jig and followed their instructions on all of my builds. So I mill the pocket first, then drill each side one at a time, then all the way through on the last side so the pins will line up correctly.

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My first 20 or so lowers were done on a drill press for the drilling parts, but I lost access to the legit true and trammes drill press that I was using. I've been doing my latest ones by hand and the holes have been coming out egg shaped on one side no matter how straight I keep my hand drill.

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I think its time to invest in a cheap tabletop drill press and go back to that for maximum precision.

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But as far as the side drilling goes, which way do you guys prefer? And why? I would be afraid of a drill getting clogged in a unmilled receiver and bits breaking off. Does it really even matter if you have a good quality jig?

I need some help on getting ALL of my money out of Primerica.

I have several accounts with them, some big, some small.

I was talked into investing with them back in 2019 by a coworker. He showed me how much growth he had seen in just 4 years and I was like a fish to the lure. Honestly I'm not mad that I did it, because yes I did grow a lot of money, but it feels like I've lost a lot of money too by not doing more homework and going with a different option. I was 27 at the time and now I'll be 35 soon, so its time for no more bullshit and starting to be selfish when it comes to me and my families financial well-being and retirement.

I just recently found out about how much they are skimming off of me compared to other options like Vanguard or Fidelity.

Heres my breakdown.

\-I have 18,000 in my Roth IRA.

\-26,815 in my short term savings account.

\-77,013 in my Trad IRA (rolled over 50k from a 401k in 2019- why it hasn't grown larger since then when the numbers say my portfolio has been averaging 20% each year except for 2022, I have no idea- call me dumb)

\-And finally 9,993 in a custodian type account for my daughter for when she turns 18, or some other age if she's not ready for that kind of money 15 years from now, which is projected to be around 125k according to my Primerica guy.

\-55,000 in my wifes own Trad IRA account. She was not my wife at the time when we made this transfer, and now I'm considering pooling that into one giant account for the both of us but dont really know what to do about this in particular, so I'm open to suggestions.

Finally, I have 78k sitting in a Vanguard 401k account right now from my previous employer between 2023 and 2026.

Just started a new job that has Merrill Lynch as their 401k program, and have never dealt with Merrill before. The company doesn't match at all. Instead, we get a profit sharing of our gross for the year dumped into our ML account each December. Its been around 10% for the last few years from what I've gathered.

So with all these recent life changes, it got me looking more into Primerica and what can I do to get my money out of there and into an account that won't be skimming as much off the top as them, but still retain my aggressive plans and annual percentage performances?

What would you do if you were me? Should I leave my previous 401k with Vanguard alone since it performed so well for such a short period of time, then start fresh with Merrill? Should I roll it over to Merrill, or opt out of Merrill completely and have my profit sharing directed somewhere else like Vanguard? What do I do with all of my Primerica accounts? Where should I move them? Will I get hit with any kind of penalties from them? I have so many questions but I'm really not that smart when it comes to finances. All I know is the basic save 10% or more if you can, try to diversify, let your money make money, blah blah. I'm not the type that's constantly checking on and making changes to my portfolios. I just go aggressive on everything (for now) and forget about it.

Any and all advice is welcome. Please help me make some smarter financial decisions starting tomorrow. I'm calling Vanguard first thing in the morning and I'm gonna start asking questions.

I appreciate it!

TL;DR- any suggestions on how/where to move all of the money in my different Primerica accounts to? Im leaning towards Vanguard because of how much it grew in just 3 years. Thanks!

I need some help on getting ALL of my money out of Primerica.

I have several accounts with them, some big, some small.

I was talked into investing with them back in 2019 by a coworker. He showed me how much growth he had seen in just 4 years and I was like a fish to the lure. Honestly I'm not mad that I did it, because yes I did grow a lot of money, but it feels like I've lost a lot of money too by not doing more homework and going with a different option. I was 27 at the time and now I'll be 35 soon, so its time for no more bullshit and starting to be selfish when it comes to me and my families financial well-being and retirement.

I just recently found out about how much they are skimming off of me compared to other options like Vanguard or Fidelity.

Heres my breakdown.

\-I have 18,000 in my Roth IRA.

\-26,815 in my short term savings account.

\-77,013 in my Trad IRA (rolled over 50k from a 401k in 2019- why it hasn't grown larger since then when the numbers say my portfolio has been averaging 20% each year except for 2022, I have no idea- call me dumb)

\-And finally 9,993 in a custodian type account for my daughter for when she turns 18, or some other age if she's not ready for that kind of money 15 years from now, which is projected to be around 125k according to my Primerica guy.

\-55,000 in my wifes own Trad IRA account. She was not my wife at the time when we made this transfer, and now I'm considering pooling that into one giant account for the both of us but dont really know what to do about this in particular, so I'm open to suggestions.

Finally, I have 78k sitting in a Vanguard 401k account right now from my previous employer between 2023 and 2026.

Just started a new job that has Merrill Lynch as their 401k program, and have never dealt with Merrill before. The company doesn't match at all. Instead, we get a profit sharing of our gross for the year dumped into our ML account each December. Its been around 10% for the last few years from what I've gathered.

So with all these recent life changes, it got me looking more into Primerica and what can I do to get my money out of there and into an account that won't be skimming as much off the top as them, but still retain my aggressive plans and annual percentage performances?

What would you do if you were me? Should I leave my previous 401k with Vanguard alone since it performed so well for such a short period of time, then start fresh with Merrill? Should I roll it over to Merrill, or opt out of Merrill completely and have my profit sharing directed somewhere else? What do I do with all of my Primerica accounts? Where should I move them? Will I get hit with any kind of penalties from them? I have so many questions but I'm really not that smart when it comes to finances. All I know is the basic save 10% or more if you can, try to diversify, let your money make money, blah blah. I'm not the type that's constantly checking on and making changes to my portfolios. I just go aggressive on everything (for now) and forget about it.

Any and all advice is welcome. Please help me make some smarter financial decisions starting tomorrow. I'm calling Vanguard first thing in the morning and I'm gonna start asking questions.

I appreciate it!

TL;DR- any suggestions on how/where to move all of the money in my different Primerica accounts to? Thanks!

I need some help on getting ALL of my money out of Primerica.

I have several accounts with them, some big, some small.

I was talked into investing with them back in 2019 by a coworker. He showed me how much growth he had seen in just 4 years and I was like a fish to the lure. Honestly I'm not mad that I did it, because yes I did grow a lot of money, but it feels like I've lost a lot of money too by not doing more homework and going with a different option. I was 27 at the time and now I'll be 35 soon, so its time for no more bullshit and starting to be selfish when it comes to me and my families financial well-being and retirement.

I just recently found out about how much they are skimming off of me compared to other options like Vanguard or Fidelity.

Heres my breakdown.

\-I have 18,000 in my Roth IRA.

\-26,815 in my short term savings account.

\-77,013 in my Trad IRA (rolled over 50k from a 401k in 2019- why it hasn't grown larger since then when the numbers say my portfolio has been averaging 20% each year except for 2022, I have no idea- call me dumb)

\-And finally 9,993 in a custodian type account for my daughter for when she turns 18, or some other age if she's not ready for that kind of money 15 years from now, which is projected to be around 125k according to my Primerica guy.

\-55,000 in my wifes own Trad IRA account. She was not my wife at the time when we made this transfer, and now I'm considering pooling that into one giant account for the both of us but dont really know what to do about this in particular, so I'm open to suggestions.

Finally, I have 78k sitting in a Vanguard 401k account right now from my previous employer between 2023 and 2026.

Just started a new job that has Merrill Lynch as their 401k program, and have never dealt with Merrill before. The company doesn't match at all. Instead, we get a profit sharing of our gross for the year dumped into our ML account each December. Its been around 10% for the last few years from what I've gathered.

So with all these recent life changes, it got me looking more into Primerica and what can I do to get my money out of there and into an account that won't be skimming as much off the top as them, but still retain my aggressive plans and annual percentage performances?

What would you do if you were me? Should I leave my previous 401k with Vanguard alone since it performed so well for such a short period of time, then start fresh with Merrill? Should I roll it over to Merrill, or opt out of Merrill completely and have my profit sharing directed somewhere else like Vanguard? What do I do with all of my Primerica accounts? Where should I move them? Will I get hit with any kind of penalties from them? I have so many questions but I'm really not that smart when it comes to finances. All I know is the basic save 10% or more if you can, try to diversify, let your money make money, blah blah. I'm not the type that's constantly checking on and making changes to my portfolios. I just go aggressive on everything (for now) and forget about it.

Any and all advice is welcome. Please help me make some smarter financial decisions starting tomorrow. I'm calling Vanguard first thing in the morning and I'm gonna start asking questions.

I appreciate it!

TL;DR- any suggestions on how/where to move all of the money in my different Primerica accounts to? Im leaning towards Vanguard because of how much it grew in just 3 years. Thanks!

I need some help on getting ALL of my money out of Primerica.

I have several accounts with them, some big, some small.

I was talked into investing with them back in 2019 by a coworker. He showed me how much growth he had seen in just 4 years and I was like a fish to the lure. Honestly I'm not mad that I did it, because yes I did grow a lot of money, but it feels like I've lost a lot of money too by not doing more homework and going with a different option. I was 27 at the time and now I'll be 35 soon, so its time for no more nonsense and starting to be selfish when it comes to me and my families financial well-being and retirement.

I just recently found out about how much they are skimming off of me compared to other options like Vanguard or Fidelity.

Heres my breakdown.

-I have 18,000 in my Roth IRA.

-26,815 in my short term savings account.

-77,013 in my Trad IRA (rolled over 50k from a 401k in 2019- why it hasn't grown larger since then when the numbers say my portfolio has been averaging 20% each year except for 2022, I have no idea- call me dumb)

-And finally 9,993 in a custodian type account for my daughter for when she turns 18, or some other age if she's not ready for that kind of money 15 years from now, which is projected to be around 125k according to my Primerica guy.

-55,000 in my wifes own Trad IRA account. She was not my wife at the time when we made this transfer, and now I'm considering pooling that into one giant account for the both of us but dont really know what to do about this in particular, so I'm open to suggestions.

Finally, I have 78k sitting in a Vanguard 401k account right now from my previous employer between 2023 and 2026.

Just started a new job that has Merrill Lynch as their 401k program, and have never dealt with Merrill before. The company doesn't match at all. Instead, we get a profit sharing of our gross for the year dumped into our ML account each December. Its been around 10% for the last few years from what I've gathered.

So with all these recent life changes, it got me looking more into Primerica and what can I do to get my money out of there and into an account that won't be skimming as much off the top as them, but still retain my aggressive plans and annual percentage performances?

What would you do if you were me? Should I leave my previous 401k with Vanguard alone since it performed so well for such a short period of time, then start fresh with Merrill? Should I roll it over to Merrill, or opt out of Merrill completely and have my profit sharing directed somewhere else? What do I do with all of my Primerica accounts? Where should I move them? Will I get hit with any kind of penalties from them? I have so many questions but I'm really not that smart when it comes to finances. All I know is the basic save 10% or more if you can, try to diversify, let your money make money, blah blah. I'm not the type that's constantly checking on and making changes to my portfolios. I just go aggressive on everything (for now) and forget about it.

Any and all advice is welcome. Please help me make some smarter financial decisions starting tomorrow. I'm calling Vanguard first thing in the morning and I'm gonna start asking questions.

I appreciate it!

TL;DR- any suggestions on how/where to move all of the money in my different Primerica accounts to? Thanks!

I have never had an HSA account since I've never really had any major medical problems in my life. But now I am almost 35 and have a wife and 2 hear old daughter who goes to doctor and dentist check ups frequently.

I'm also planning on getting a lot of dental work done this year so that's another reason I'm looking more into an HSA.

Should I get one? How much do you usually put in per pay period? 10 bucks? 30 bucks? What all can it be used for besides co-pays? Does it roll over each year? And what if I never end up using it or have a balance left over if I leave this current job? Do I get a debit card or something?

I have so many questions. I have a few more weeks to make changes to my benefits before they lock in.

Any advice and input is greatly appreciated!

Picking up a new 365 XMacro after work tomorrow. Throwing a 507k Holosun and a Streamlight TLR 7-sub on it and looking for any good holster recommendations that aren't insanely expensive. I've already spent enough lol.

I prefer 4 o clock IWB carry with a hard plastic case with single belt clip and belt claw attached. I'm still not on the appendix carry Peter deleter bandwagon yet.

Throw out some good brands that you vouch that have good retention with a light attachment.

Thanks!