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Regarding #1, I’ve been filing in different states for years and my two have a little different ways of reporting each state’s income, so you’ll need to read the instructions carefully or do it via tax software. Tax software would probably make this step incredibly easy as opposed to doing it by hand. Your taxes likely aren’t so complicated that you need professional help if your sole source of income is from w2 employments
Same with pathologists. More than a few i know have died while still working.October 20, 2019 at 1:43 pm MST in reply to: Are some specialties more averse to retiring than others? #254695Liked by Lordosis
Why not do a $22k employer contribution and then the remaining $34k mega backdoor Roth in the solo 401k? The $19k employee contribution was done in your other 401k, so you can’t do that in your solo 401k. You only get $19k employee contributions across all accounts.
Did you change jobs? Or just change how you’re paid?
You can afford it. This is just the price of doing business in a HCOL area. With the downpayment, you’d have a mortgage under $1MM. I guess the alternatives from the information is the bad school district, rent some more, or move. Up to you. I’d have no problems buying if you like the area and are entrenched
No way I’m rooming with Crixus (not going to this one though).
I disagree . If you drink it in any reasonable amount of time, it won’t heat up, provided you’re not drinking it in 90 degree heat, which would be weird. Drinking wine at room temperature is less than ideal.
We have a u line wine fridge and haven’t had issues but it’s only single zone. But as long as you’re not buying a cheap one, I’d think all would work ok. We only drink red though so maybe the two zones are more nuanced.
My wife tends to make a lot more smaller purchases for clothes or stuff for the kids (less than $100-200). I less frequently spend money on myself, but when I do, I tend to blow up the budget for that month (and maybe the next couple). We’ve done so well keeping our monthly expenses (i.e. mortgage) under control that we have a monthly budget surplus of $4-5k for discretionary spending, so spending for little things here and there (or even the rare large item, if discussed with the other) isn’t an issue.
Does it provide fees for the model portfolio? Or just go look at the fees of the individual investments? I’d be inclined to change based on the provided info.October 7, 2019 at 10:40 am MST in reply to: HSA: Invest in Provided \"Model\" Option or Move Money Elsewhere? #252232
While your credit score may be one issue, probably the bigger one is the amount of loans. I’m hoping your salary is high ($500k+). You’re just going to have to be poor for a while and really hack away at them. You’ll probably be able to refinance at some point.
I know how to kickstart it. Is a hotdog a sandwich?
Are we talking about student loans? I think 5-7 years is probably the general aim but it really matters on what the quoted differences are. A colleague had like a .25% difference between variable and fixed on a 5 year loan. Rates currently can’t go much lower.
@adventure, yes, you can pay for private schools with a 529. Another colleague is doing this, funding 529, and then pay tuition from 529. We call it legal money laundering.
To put your financial life in perspective, I was talking to a colleague the other day, and I was saying how I was quickly approaching positive net worth finally, 3 years after training. He said he still had negative net worth. He’s late 40s and been making $400k+ for 15ish years. People reveal their net worth and savings when it’s good. You’ll rarely hear people’s failures. You’re doing great. I’d probably cut off 529 saving unless you’re going to use it for grade school too.