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Hello all, This is a good problem to have - My wife recently accepted a new job and we will be above the income phase out for our Roth IRA's next year. This is even assuming that I max my 401k (wife does not have 401k option), we will still be far above the limit in 2013. Two questions: 1) Besides m...

First off I would like to thank Taylor and JT for the constructive advice 18 months ago. I am an avid reader of everything Bogle, but don't post much to the forum. I thought would take my MLK day off work to post an update on our finances and once again ask a few questions. So here goes: Emergency f...

All, Emergency funds = 3 months of expenses (Outside of retirement accounts) Debt: 1st mortgage – owe $112,000 @5.875% 2nd mortgage – owe $8,500 @ 6.750% Wife’s law school loans – owe $79,500 @ 4.75% Vehicle loan – owe $16,000 at 5.99% Tax Filing Status: Married Filing Jointly Tax Rate: Marginal 25%...