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Re: 24 Year Old Needs Help w/ Retirement Planning

Yeah, I take some medication that has a $15 copay otherwise Id have to bear the whole cost $150-$200 for a month supply until I reached my deductible. Otherwise i'd switch plans because i'm healthy and rarely get sick.
by dag06001
Thu Dec 27, 2012 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

Re: 24 Year Old Needs Help w/ Retirement Planning

I actually have Next Gen, so I don't qualify for the HSA. Is there still a way to open one up even though I don't have the CDHP?
by dag06001
Wed Dec 26, 2012 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

Re: 24 Year Old Needs Help w/ Retirement Planning

Unless there is a loss on the shares, sell them now. If there is a loss, your next purchase (Jan 2?) would create a wash sale. However, if you did not contribute enough to your 401k this year to get into the 15% bracket, wait until Jan 2 to sell, and then contribute more to your 401k in 2013 so tha...
by dag06001
Wed Dec 26, 2012 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

Re: 24 Year Old Needs Help w/ Retirement Planning

Hey, I do own a vehicle. Its a 2010 Kia Forte, paid off in cash. The credit card of 2k is not paid off since there is no interest, I just set it to autopay a few hundred dollars every month so that it will be paid off 1 month prior to when the full amount is due. Right now after all my expenses I us...
by dag06001
Wed Dec 26, 2012 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

Re: 24 Year Old Needs Help w/ Retirement Planning

Oh, I was totally looking at the wrong part of my paycheck. It looks like i'll fall in the 15% tax bracket after all.

I really wish I read that article about the SPP when I received my shares in July. Should I cash out now before the year ends? Or wait until next year?
by dag06001
Wed Dec 26, 2012 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

24 Year Old Needs Help w/ Retirement Planning

Emergency funds: Three to six months of expenses Debt: Credit Card Debt-$2k @ 0% interest, all else paid off every month. Tax Filing Status: Single Tax Rate: 15% Federal, 5% State State of Residence: Connecticut Age: 24 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocatio...
by dag06001
Wed Dec 26, 2012 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old Needs Help w/ Retirement Planning
Replies: 10
Views: 971

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