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Re: What age did you move out?

Graduated college in 2.5 years, lived at home while I did my Master's program for another 1.5 years. I lived at home for one more year because I didn't make enough to move out, then got a better job followed by an apartment, and moved out at age 23.
by WorkToLive
Thu Jan 29, 2015 1:24 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4766

Re: Vanguard and Turbo Tax

Help! I initially "purchased" then downloaded TT Deluxe. When I realized I needed Premier, I went back through Vanguard, "purchased" then downloaded Premier. I uninstalled TT Deluxe from my desktop and installed TT Premier. I was able to open my return, but when I try to go to my...
by WorkToLive
Wed Jan 28, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 28
Views: 3455

Re: How to set up an HSA account? (for a first time user)

Your plan sounds fine to me. Some think that HSA investing should come before 401(k) because it is payroll tax free. If it were me, I'd probably contribute to my match in the 401(k), then max out the HSA, then fill up my Roth, then finish my 401(k).
by WorkToLive
Wed Jan 28, 2015 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 665

Re: How to set up an HSA account? (for a first time user)

What's your max out of pocket for the insurance? I'd probably contribute the max OOP and then simply adjust the next year based on what you spent. If you want to pick a bond fund or something to invest the amount over $1000, I think that would be fine.
by WorkToLive
Wed Jan 28, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 665

Re: How to set up an HSA account? (for a first time user)

Most custodians require a certain cash balance prior to investing. Find out what yours allows. Figure out what investments are options and then post back here.
by WorkToLive
Tue Jan 27, 2015 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 665

Re: Poll: Locating deceased person's assets

I have desktop Quicken where all our accounts are listed. While it wouldn't be super easy to sort everything out, it's a comprehensive list of all our assets. In addition to Quicken, I have a MS Word file that I update once a year with life insurance, will, bank, and investment information. I've als...
by WorkToLive
Tue Jan 27, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2253

Re: Vanguard and Turbo Tax

I tried multiple times yesterday and today to click the link "Save now on TurboTax" on the Vanguard TurboTax webpage. I received an error saying something like "There was an unexpected error. Please try again later." I kept trying and finally got through. Once I did, I clicked De...
by WorkToLive
Mon Jan 26, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 28
Views: 3455

Re: Upgrading to TurboTax Premier through Vanguard

Thanks, winterescape. I'll do that :happy
by WorkToLive
Sun Jan 25, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Upgrading to TurboTax Premier through Vanguard
Replies: 2
Views: 337

Upgrading to TurboTax Premier through Vanguard

I need some help. I originally downloaded TurboTax Deluxe and began my 2014 tax return in it. Then I realized I need TurboTax Premier. I am a Vanguard Flagship customer so I see I can get Premier for free. My question is how do I upgrade? Do I go through the Vanguard portal or through TT? Thanks for...
by WorkToLive
Sun Jan 25, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Upgrading to TurboTax Premier through Vanguard
Replies: 2
Views: 337

Re: What age did you pay off your "forever" home

Ages 39 me and 38 husband.
by WorkToLive
Wed Jan 21, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4053

Re: How to handle defaulted debts and current student loans?

You have $1,751 of debt in collections from last year that you "don't know about"? Sounds like you have bigger issues.
by WorkToLive
Mon Jan 12, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2682

Re: U.S. stocks in freefall

I had been lazy in contributing to my 2015 Roth. Just submitted the order to buy $5500 of 500 Index Admiral.

But I am NOT timing the market. It just worked out that I had been putting it off. :happy
by WorkToLive
Mon Jan 05, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221519

Re: Health Equity HSA--New Passive Plan

Awesome news! Thanks for posting. I just moved my balance over $1000 into: VBMPX - VANGUARD TOTAL BOND MARKET IDX INSTLPLS - 0.05% Even with the 0.4% fee, I'm still beating 0.5% ER. Thinking about the REIT, but I don't know much about them. I figure I can always trade later. I only have $1500 to inv...
by WorkToLive
Fri Dec 26, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10688

Re: I failed SS login

My husband got locked out. He called and it was resolved in under 30 minutes.
by WorkToLive
Wed Dec 24, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 3413

Re: POLL: What are your monthly food expenses?

We spend $233 per person for a family of three just outside of a major metropolitan city.
by WorkToLive
Tue Dec 23, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4882

Re: 31 years old, just sold my business, early semi-retireme

Congrats on your sale! My only hesitation with your plan is the possibility of adding kids to the mix. If you and your girlfriend wish to remain child-free, I see no issues, but if that's NOT the plan, I would reconsider. Kids are expensive. Not when they are babies, but as they get older. Not only ...
by WorkToLive
Tue Dec 23, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 5920

Re: What % of net worth is your home?

23%. We are 40. House is paid off. We expect to stay here long-term.
by WorkToLive
Tue Dec 23, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10988

Re: Life changing decision... advice needed!

Congratulations on your decision.I made a similarly difficult decision five years ago. Like you, I documented my rationale. It has helped me many times when I begin to doubt myself. Five years later, I almost never think about it and I am very happy with my decision.

Have a wonderful winter!
by WorkToLive
Sun Dec 07, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 91
Views: 10817

Re: Share your networth progression

2008 - $614,095 (Recession) 2009 - $1,539,940 (Home Sale) Your net worth rose $900,000 in 1 year; you attribute that to a home sale. However a home sale doesn't affect net worth. It just shifts numbers around in an assets/liabilities spreadsheet, but the total of all the numbers should be the same....
by WorkToLive
Tue Dec 02, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24574

Re: Do you celebrate financial milestones?

We celebrated the mortgage payoff with a steak dinner. Made at home. We included my parents since they were the only people in real life we told.
by WorkToLive
Mon Dec 01, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14230

Re: When do you feel comfortable financially to have kids?

We were married at 28 and had our daughter 3 1/2 years later. We waited until I made Manager at my job and my DH had finished his masters degree and was employed. I knew I wanted to be a stay at home mom for several years so we had to be settled with enough savings for that to happen, plus access to...
by WorkToLive
Wed Nov 26, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4468

Re: What to prepare for first baby due next month?

If it is a boy, you and your wife should agree on your plans regarding circumcision.
by WorkToLive
Thu Nov 20, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 6878

Re: War on Debt

1. & 3. Are you married? How old are you? I am not the poster you asked, but I will answer your questions. Yes, I am married and we are both 40. 2. What lengths would you go to stand up to your wife, if you were in my situation and what are the consequences do see from the actions you would take...
by WorkToLive
Sun Nov 09, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32303

Re: Tough spot, decided to lease a car

Well, to sum up, "if you do what you've always done, you'll get what you've always gotten."

Good luck, OP; I think you've got a long path ahead of you. Financial peace is a wonderful thing, once achieved. I urge you to continue on that path.
by WorkToLive
Wed Nov 05, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 14924

Re: AA...any other crazy 80/20 folks out there?

I'm 40 and 80/20. Here's my reasons: ⋅ Relatively high net worth (close to $3M, incl. $675k in home equity with no remaining mortgage) ⋅ Plan to cover my expenses for at least 15 more years with earned income ⋅ Large gains to rebalance would push me into higher tax brac...
by WorkToLive
Tue Nov 04, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 5242

Re: Self Employed Healthcare and Infertility

Perhaps a silly and ill-advised idea, but can your business support an employee so you can have group coverage including infertility?
by WorkToLive
Sun Nov 02, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employed Healthcare and Infertility
Replies: 9
Views: 1156

Re: "I've had it" at work - how often

I'm an IT subcontractor program manager for infrastructure services (help desk, security, asset management, disaster recovery) at two hospitals and 25 other centers. I get that feeling about once a week. I've been in this job industry for 14 years and it's much worse than it used to be. I thought th...
by WorkToLive
Sat Oct 18, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12886

Re: Health Equity HSA--New Passive Plan

Called this morning to see when Investor Choice funds will be available for investment. The rep wasn't able to tell me.
by WorkToLive
Sat Oct 18, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10688

Re: Opinions on Montessori beyond the preschool years

When did your children stop going to Montessori school and why? My daughter is eight and is attending an AMI-accredited Elementary Montessori program. She is in her third year as an Elementary student after completing four years of Primary (2 1/2 - 6 1/2). We plan to keep her in the program since sh...
by WorkToLive
Wed Oct 15, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 915

Re: The Role of Life Expectancy

I apply life expectancy in the vague sense that as a currently healthy 40 year old, I plan to have my assets last until age 95 (realistic) or 100 (conservative).
by WorkToLive
Wed Oct 15, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1741

Re: Those under 35 with a child 5 or under: Costs of child?

These costs are a little out of date as my daughter is now 8 and I am past 35, but when I fit into your category: --I was a SAHM, which "cost" us $8,000 in lost income. I went back to work when she turned 5. --We did not upgrade our house or car, so no expense there. --We used cloth diaper...
by WorkToLive
Mon Sep 29, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4889

Re: Hit a financial milestone at an age milestone

Congratulations! Sounds like you and DW have achieved a nice balance. Nice work!

I paid off the mortgage before I turned 40 so I understand the age/financial milestone thing. Good luck and keep on trucking!
by WorkToLive
Tue Aug 26, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5307

Re: The Best Health Savings Account Custodians?

I have had favorable experience with Optum Bank. They have the Vanguard S&P 500 at a decent rate. No fees so long as you have $5000 in cash aside from the investment portion.
by WorkToLive
Tue Jul 29, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: The Best Health Savings Account Custodians?
Replies: 4
Views: 912

Re: A question for the Bogleladies or those who can consult

I wear Jockey panties. My DH ordered me a selection of Jockey styles and gave them to me for my birthday. He spent about $100. I tried on everything and kept about half. I love them and it was a very sweet gift.
by WorkToLive
Tue Jul 22, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6159

Re: retirement fund or college fund?

I think you have to ask yourself first, "Is my retirement on track?" There are several retirement calculators in the Bogleheads wiki for you to answer that question. If your retirement is on-track, then consider saving for college. If not, then it's clear it has to go to retirement (or to ...
by WorkToLive
Thu Jul 17, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 923

Re: How Much House Should I Buy?

Not to beat a dead horse, but you need to think hard about your plans for future children. Childcare is expensive, some decide public schooling is not right for their child (we do AMI Montessori), some women want to be home for the first few years, groceries go through the roof, vacations aren't che...
by WorkToLive
Tue Jul 15, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How Much House Should I Buy?
Replies: 81
Views: 5073

Re: How much do you spend on your hobby annually?

Sewing is my hobby. I maybe spend $400/year. This will go up when I retire, but that's 20+ years off.
by WorkToLive
Sun Jul 13, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7652

Re: Planning to purchase first home - need education

Good advice above, I'll add to check school district information if you have/plan on kids. Some may also want to check sex offender registry, nearby parks, commute, noise level, walkability, and sidewalk availability. In an ideal world, my house would face north/south. I might look for shade trees, ...
by WorkToLive
Fri Jul 11, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1417

Re: Anyone regret paying off mortgage early?

Congratulations! We paid off ours just over a year ago. No regrets at all. Enjoy your new reality.
by WorkToLive
Fri Jun 20, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37305

Re: Pursuing your calling in life at what cost?

In my opinion, I really think you and your wife need to decide whether or not you will have kids or not. If you decide that you will, then you need to consider where you would like to raise your children and what kind of life you would like to provide them with. Before you decide for sure on this, I...
by WorkToLive
Wed May 28, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4757

Re: Your advice, ethical dilemma - job interview.

Sounds like you handled it perfectly. Good luck on the outcome! Keep us posted.
by WorkToLive
Wed May 28, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Your advice, ethical dilemma - job interview.
Replies: 30
Views: 2694

Re: 529 plans and UMTAs: do you include in net worth?

I do not include either UGMAs, 529s, Coverdells, or private school savings in my net worth. These funds will be used for the benefit of our daughter and not for us.
by WorkToLive
Sun May 25, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plans and UMTAs: do you include in net worth?
Replies: 8
Views: 609

Re: Husband just lost job

It sounds like you are working to identify priorities, increase income, and keep expenses low. Those are great steps. The only thing that concerns me is your comment that the kids "deserve a good summer." Actually, they don't. You and your husband may want them to have a good summer, decid...
by WorkToLive
Sun May 25, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6880

Re: Your 529 Plan - Thoughts and Strategies

1. How old are your children who you're saving for? We have one daughter, currently age 8 and finishing up second grade. 2. Which 529 Plan do you invest in? Currently invest in MD College Savings Plan, but have a former plan in Virginia that is still open. 3. What's the current balance? Total balanc...
by WorkToLive
Thu May 22, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 39
Views: 3142

Re: Recommended Parenting Books

Playful Parenting
Unconditional Parenting

Those are my two picks.
by WorkToLive
Tue May 20, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2361

Re: Did you tell anyone you paid off your mortgage?

My husband and I told my parents and our daughter, and I told two of my very close friends. I hosted a small party with the five of us (filet Mignon, nice wine, etc.) at our house to celebrate. We have not told our siblings or any of my in-laws, nor do we plan to. I've never been asked, but I suppos...
by WorkToLive
Wed Apr 30, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13061

Re: Did (will) you pay off your mortgage by retirement?

I chose Other. My husband and i paid off our mortgage last year at age 39 and are still planning to work for the foreseeable future. We paid it off in order to increase our monthly cash flow so that we could pay for private school for our daughter.
by WorkToLive
Tue Apr 29, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3564

Re: How long to pay off your mortgage?

I paid off our 30 year mortgage in 5 years and 1 month. We did it for cash flow reasons. We are 40/39 and own our home. Feels great!
by WorkToLive
Fri Apr 25, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 15335

Re: Lump Sum 529 contribution or not?

One possible con would be if your state allows a capped annual deduction that cannot be carried over from year to year. In that case, you would only want to contribute the annual maximum to maximize your state tax deduction.
by WorkToLive
Fri Apr 25, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum 529 contribution or not?
Replies: 8
Views: 637

Re: Trouble with Financial Engines Account?

I've narrowed down the bug to affect Financial Engines when you have any Outside Accounts linked in. If I choose only to include my Vanguard accounts, I can get it to work, but if I add any one of my External accounts (Fidelity, and some others), I get the same unable to refresh error.
by WorkToLive
Mon Apr 14, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3868
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