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I just wonder if the guy that spent 10,000k coins in the early stages on two pizzas is upset now. A 1,000,000 dollar pizza better taste amazing.

Go the route of creating less debt for you and your son. Where you get your undergrad isn't as big as where you go to med school. Just make sure to keep the grades high. This should help save money for med school too.

If you kept a lump sum of cash under you bed you would need a lot more than the 5m estimate people are saying. It's not as simple as multiplying the 120k by 40 or so to get the lump sum. In 40 years, to have the spending power of 120k, you would need around 400k because of inflation. So you can see ...

I am surprised no one has asked how long you plan to live in the house. If it is a long time then I would be in favor of putting the equity in so you wouldn't have PMI. If you did have PMI and housing prices drop then that PMI would be on for a long time. If you we're only going to be in it for a s...

1) Look at your budget and see if you have extra money to invest
2) If you don't have extra money = Bad time to buy
3) If you have extra money = Good time to buy



That would be a very simple way to look at it.

I live in AZ and do the Nevada 529. It is nice that it is housed by vanguard and counts towards your investment levels with them.

I am surprised no one has asked how long you plan to live in the house. If it is a long time then I would be in favor of putting the equity in so you wouldn't have PMI. If you did have PMI and housing prices drop then that PMI would be on for a long time. If you we're only going to be in it for a sh...

My 2 cents, The fact that you both have that gut feeling that something is wrong, means something is wrong. Don't ignore it. Ultimately, you have come to a place for answers and help and you will get that help based on the shared tenets of this community. You would probably get different answers if ...

I appreciate your feedbacl!!

I usually check first thing in the morning just to get an overall sense. A lot of time it's linked to current events and it helps me stay in check with news.

Well if the worst was to happen today, where would you want your money to go? Does the state agree with you? Do you want it locked up in probate? Do the people or entities that you want to get your money know that they should be getting it or how to get it? Just a couple of questions to ask yourself...

Any advice out there? Pretty please

Roth fund could also double as a fund to pull a couple thousand out of if needed because there is no penalty for withdrawing contributions, correct? Ya, but I wouldn't. Also you wouldn't be able to touch earnings without a penalty, just what you put in. Ideally this is your retirement though, so mo...

I would echo getting a second tax guy to look at the situation. For me personally I would not want a 700 dollar payment hanging around for that long when I know I could pay it off and move on.

They use M* or other sources to find good funds well above average that consistently perform well The authors contention is that active investors can also achieve good results provided they are disciplined investors who do not chase performance Which really is chasing funds from the start, no? Seem...

If you want to make it easy, you could both just pick a Target retirement fund which would reflect your 80/20 desire, and buy International in a taxable account with your RSU money. Might not be the most efficient, but it seems to fit your goals. Digging deeper, her 403b looks like a better interna...

New Annual Contributions His 401K: 17500 (30% company match not included) Her 403b: 17500 (6% match on salary or roughly $2900. We are moving hers to max above the match) His/Hers Roth IRA : 5500 each Taxable: (See below) Please indicate total dollar amount: personal contribution + company match. O...

Part of the issue is behavioral as well. For 30 to 40 years good investors have made choices to prepare for the future. Once you hit 62 the choice becomes to invest for the futre (i.e. in case I live way to long) or take it now. Going against 30 years of behavior can be tough which is why I find it ...

They use M* or other sources to find good funds well above average that consistently perform well The authors contention is that active investors can also achieve good results provided they are disciplined investors who do not chase performance Which really is chasing funds from the start, no? Seem...

So you make around 150k. It shouldn't be to hard to build up your EF with your salary. If her salary alone covers all your expenses then you probably have an extra 6k per month from your salary. Spend the next couple months building that up and then tackle some of the debt.

Of course Murphy's law says that the missed day will always be an increase too, like today.

Hi all, Been lurking for a while and want to jump on in. After getting some ideas I bought both the Boglehead books and have read through those in the last week. Most the info can be found here on the boards but I find having it all concentrated in one area makes referencing easy. Plus I like the id...