Search found 542 matches

by teen persuasion
Sun Jul 15, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 92
Views: 10749

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Someone on here (can't recall who) suggested creating a joint/family email for all financial logins. Then both spouses can see/access all account emails while each maintaining their personal emails. As much as I hate adding another email to check, I'm strongly considering this approach. At my small ...
by teen persuasion
Sat Jul 14, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1188

Re: Withdraw Roth contributions to max TSP/get more G Fund?

[ Tax Filing Status: MFJ Tax Rate: 22% Federal (since we'll do Roth conversions of wife's tIRA to max out $2000/child tax credit, which takes us into the 22% bracket), I don't understand what this means. If you have more income, you get a larger child tax credit? Where will the money for the tax on...
by teen persuasion
Sat Jul 14, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1188

Re: Withdraw Roth contributions to max TSP/get more G Fund?

I wonder if OP might be misunderstanding the refundable/nonrefundable aspect of a tax credit. Whether a tax credit is refundable or not has nothing to do with your tax refund or how much tax was withheld by your employer. It only has to do with whether that tax credit can make your tax negative. So...
by teen persuasion
Thu Jul 12, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2107

Re: Preparing non-technocrat spouse $ Mgmt

Interesting discussion - it looks like there are at least 2, probably more, different types of interest/skill/savvy-ness involved here. My DH is fine technology-wise, but has little interest in finances, and is a bit math illiterate. He can do general math, but gets uncomfortable with formulas and v...
by teen persuasion
Wed Jul 11, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2855

Re: What's up with Wells Fargo

I suspect their definition of activity includes depositing or withdrawing money. Might not even include automated deposits or withdrawals. Check with the bank to see what qualifies. Note that the bank itself might not determine the rules; they might be due to regulation, instead. Exactly! We got a ...
by teen persuasion
Fri Jul 06, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 1980

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

Yeah, we learned about the 15th of the previous month as deadline for ACA coverage the hard way, too. If you are unemployed right now, you might be eligible for Medicaid. ACA uses annual income, but Medicaid looks at current monthly income. Will depend on your state's rules, if it's an expansion sta...
by teen persuasion
Tue Jul 03, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12712

Re: What are your property taxes?

Tn. home 1500 sq ft 3/4 acre land. 675.00 a year. :mrgreen: Mass. (Boston suburb) Home: ~3,000 sq. ft., 1 acre land Zillow estimate: ~$800,000 Prop. taxes: ~$10,000 a year Thinking of moving to TN 8-) I can relate. Lived in Western Ny for years,job related. 1600 sq foot home. half acre of land. Sch...
by teen persuasion
Mon Jul 02, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12712

Re: What are your property taxes?

Tn. home 1500 sq ft 3/4 acre land. 675.00 a year. :mrgreen: Mass. (Boston suburb) Home: ~3,000 sq. ft., 1 acre land Zillow estimate: ~$800,000 Prop. taxes: ~$10,000 a year Thinking of moving to TN 8-) I can relate. Lived in Western Ny for years,job related. 1600 sq foot home. half acre of land. Sch...
by teen persuasion
Sun Jul 01, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Local Bank Branch Consolidation - Huh?
Replies: 12
Views: 1007

Re: Local Bank Branch Consolidation - Huh?

It makes a difference when your bank consolidates with another bank (or is taken over), or if branch locations are sold to a different bank because mergers create monopoly situations in a region. We've been getting hit with this for a few years. We had our accounts with FNFG, a local bank that was g...
by teen persuasion
Thu Jun 28, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16395

Re: IRS publishes draft 2018 1040 - Huge changes made

Presumably the refundable part of the Child Tax Credit will appear on Schedule 5 at some point. As it hasn't even been assigned a line number yet (as far as I could tell), it appears we'll have to wait a while for specific instructions on the (Refundable) Child Tax Credit in 2018 . It looks like it...
by teen persuasion
Wed Jun 27, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16395

Re: IRS publishes draft 2018 1040 - Huge changes made

Very interesting how it works out refund vs tax owed . AGI - standard or itemized deduction and business income deduction = taxable income Find tax amount - CTC or other dependent credit + other taxes = total tax Withholding + refundable credits (N.B.: EITC 100% refundable, AOTC 40% refundable?, CTC...
by teen persuasion
Wed Jun 27, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16395

Re: IRS publishes draft 2018 1040 - Huge changes made

The elimination of the 1040A and 1040EZ will create changes in the simplified needs test for the FAFSA and I am sure it will create other ripple effects as well. It will be interesting to see how the simplified needs test changes. +1 The FAFSA has relied on a changing 1040 system for too long. Many...
by teen persuasion
Tue Jun 26, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: The "leaving the old 401k where it is" argument
Replies: 30
Views: 3734

Re: The "leaving the old 401k where it is" argument

I don’t really understand your dilemma. If you want to convert the 401(k) into a Roth IRA — which probably makes sense — then you can’t leave the money where it is. No dilemma, I will probably convert it into a Roth IRA next year. I just wanted a more in-depth understanding behind the motivations a...
by teen persuasion
Mon Jun 25, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Roth vs Traditional IRA
Replies: 34
Views: 1462

Re: Help me understand Roth vs Traditional IRA

I'm going to muddy the waters a bit here. What about 401k (and analogous) accounts, not just IRAs? Ultimately a 401k can be rolled to an IRA, but until it is it has some different attributes. We contribute first to DH's traditional 401k, to drive down both our line 7 wages and AGI, as this increases...
by teen persuasion
Sat Jun 23, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 54
Views: 6685

Re: FAFSA EFC number shock! [Expected Family Contribution]

Private schools where my kids applied and got merit, and there were a few, NONE asked for fafsa as a requirement for the merit. And of the public schools they applied, 3 gave merit, and only 1 of the 3 asked for fafsa. So my experience, fafsa was not necessary in most cases. My academic full schola...
by teen persuasion
Sat Jun 23, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 54
Views: 6685

Re: FAFSA EFC number shock! [Expected Family Contribution]

I haven't seen the new year's version of the full EFC formulas, but I found the updated tables. It appears they've chopped the Asset Protection Amounts (again) :oops: , although most other numbers are inflation increased.

https://ifap.ed.gov/fregisters/FR060818.html
by teen persuasion
Fri Jun 22, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20636

Re: Can you retire on $2M?

Could I retire on $2M? Definitely! Having all of it outside of retirement accounts would mean we likely lose most financial aid, but the increase in annual income would more than cover the additional expense for DS4 currently in college. If I were back at age 40 again, just before the oldest was sta...
by teen persuasion
Fri Jun 22, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal TIming
Replies: 17
Views: 2609

Re: 529 Withdrawal TIming

I'm not using a 529, but my DD1's university also had early Aug bill deadlines for fall semester and early Dec bill deadlines for spring semester. Originally I was irked at how early they were, but I later saw the advantage for college tax credits. It neatly places an entire school year's bills in ...
by teen persuasion
Wed Jun 20, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8379

Re: Which Supermarket are you?

Not a lot of choices nearby, here. I mostly shop at Aldi (love them), and might pickup a few loss leaders at Tops next door, though Tops is much higher priced on non-sale items. If I happen to be in the city (the other direction), there's also Save-a-lot, but only for the unusual items Aldi doesn't ...
by teen persuasion
Wed Jun 20, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3304

Re: Is technology the reason for low inflation?

Weird, everything around me lately looks like inflation is going up. About a month ago, prices in Aldi jumped significantly. Items that were regularly $.99 suddenly were $1.29, $1.59, $1.79. Gas is going up, which means oil is more expensive, which means heating my house will cost more this winter. ...
by teen persuasion
Wed Jun 20, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal TIming
Replies: 17
Views: 2609

Re: 529 Withdrawal TIming

What stance have you taken and successfully won? Have you taken the distributions for QHEE expenses of another calendar year? Several years ago, my oldest girl's school required the first payment two weeks before the start of classes to hold your class selections. It just so happened, that required...
by teen persuasion
Mon Jun 18, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6047

Re: Lost job. Take early SS or draw from accounts?

Just for some clarity on the Medicaid vs ACA issue: Medicaid looks at monthly income, while ACA looks at annual. When DH was between jobs we applied thru NYStateOfHealth, and I was surprised to be put on Medicaid. I knew our annual income was in ACA range, but the state first evaluated based on mont...
by teen persuasion
Sat Jun 16, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Fund college tuition through 529 plan or Indexed Universal Life (IUL)
Replies: 32
Views: 1605

Re: Fund college tuition through 529 plan or Indexed Universal Life (IUL)

The discussion has been about financial aid, not need-based aid. They aren’t the same thing. I agree with you about need-based aid (possible exception would be if you have multiple kids at expensive schools simultaneously.) If the OP wasn't trying to get need based aid, they would have zero reason ...
by teen persuasion
Fri Jun 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 904

Re: 401 k to. Roth rollover - min taxes?

For 2018, the standard deduction amount for an individual who may be claimed as a dependent by another taxpayer cannot exceed the greater of $1,050 or the sum of $350 and the individual’s earned income The above was from Forbes. If your income was earned income, you could use the full $12k single s...
by teen persuasion
Fri Jun 15, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 904

Re: 401 k to. Roth rollover - min taxes?

I know little about this, but went looking around. Prior to the changes in the tax law, if you were claimed as a dependent by someone else, they got to claim the "personal exemption" on you which was in the neighborhood of $4k. In this case, you would give up the ability to claim it yourself. Perso...
by teen persuasion
Fri Jun 15, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 904

Re: 401 k to. Roth rollover - min taxes?

Do you expect to receive financial aid? Your AGI will influence your EFC (Expected Family Contribution), so increasing your AGI by converting traditional accounts to Roth could have repercussions beyond your income tax owed. There may be a threshold you can stay under safely. The first $6570 of your...
by teen persuasion
Fri Jun 15, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: add to DW 401k while withdrawing from (self) 403b?
Replies: 19
Views: 890

Re: add to DW 401k while withdrawing from (self) 403b?

NY exempts only the first $20k of pension/retirement account income per person per year from state taxes. Currently all our traditional retirement savings are in DH's name (I have no access to a 401k, and IRAs are Roth), so your scenario would make sense for us to drawdown DH's traditional balance a...
by teen persuasion
Mon Jun 11, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3416

Re: How to convince my co-worker to invest more?

My 26-year-old co-worker just graduated university a month ago and has moved from part-time to full-time. That gave him a big bump in pay and access to our (terrible) 401k. I always tell people on my team at work to do an IRA before our 401k because of the limited 401k options we have and the 1.6% ...
by teen persuasion
Fri Jun 08, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17952

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

2. .... Thanks to ?Livesoft for better informing us of the cutoffs. BTW, we should sticky that or add it to the wiki so folks are more accurate on where they fall on the socioeconomic level. Careful. Those numbers were qualified numbers as shown directly in the screen capture: "based on the nationa...
by teen persuasion
Mon Jun 04, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How gameable is the FAFSA for the early retiree?
Replies: 24
Views: 2700

Re: How gameable is the FAFSA for the early retiree?

I actually think having an income low enough for reduced lunch accomplishes the same thing. I think the bigger problem is a EFC of zero will be gapped at nearly all colleges in this country. Yes, the reduced lunch award is more useful for qualifying for simplified needs test, because it allows for ...
by teen persuasion
Mon Jun 04, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5839

Re: What is your Take Home Pay / Gross Pay ratio?

Me : 92% DH: 17% Combined: 42% Refunds: $7700 (refundable credits, not overpayment - I use to fund Roth IRAs) I used last year's w2 info, as DH has recently changed jobs and we're still working out the kinks in the new payroll deductions. Higher pay, higher pre-tax retirement contributions, lower HI...
by teen persuasion
Sun Jun 03, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17952

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Short answer: no Long answer: there are basically two ways to get "free" money for college. 1) Financial aid. This is purely need based, and if you are upper middle class, then the only way you would qualify would be to have multiple children in college at the same time. Something like 47% of AGI i...
by teen persuasion
Fri Jun 01, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent-Owned 529's a bad idea?
Replies: 27
Views: 2952

Re: Grandparent-Owned 529's a bad idea?

They have oversimplified the relevant formulas. For child/parent owned 529 assets, 12% of assets are added to available income, and then a progressive rate is applied (22% up to 47%). Twelve % times the top rate of 47% gives the 5.64% they state. For 529 withdrawals treated as untaxed child income, ...
by teen persuasion
Tue May 22, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5100

Re: Buy an old farmhouse?

Our house is probably c.1840, roughly 3k sf, we have 2 acres. I love our old house, but it is a little quirky. I consider our replacement windows on the con side of the equation, I'd prefer the original windows with storms as better than our current vinyl Windows, but that's just me. Three thousand ...
by teen persuasion
Mon May 21, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48843

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Could someone channel college expenses through a 529 to avoid state income taxes? In most states, contributions can reduce income taxes. The strategy would be to have money in it for short time so it does not effect federal student aid. But maybe that would not work? I have considered running colle...
by teen persuasion
Mon May 21, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2101

Re: child turning 18 - stop filing as dependent?

Even dependents get their standard deduction, they just aren't eligible for their personal exemption, and personal exemptions are worth $0 with the tax reform. Depending on the amount earned at the summer job, and assuming the daughter can be claimed as a dependent, the standard deduction may not b...
by teen persuasion
Sun May 20, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2004

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

On a side note: Has TCJA made kids less tax-efficient for parents: if kids older than 18 no exemptions allowed; if parents are not eligble to claim child-tax-credit, kids younger than 18-years may also have been rendered less tax-friendly; is this correct ?) The CTC has been expanded from $1k to $2...
by teen persuasion
Sun May 20, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2004

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

Biggest issue is the FAFSA does not actually care what your tax situation is. If your kid isn't married or in the military your income counts till 26 Not only that, but 50% of child's income over ($6750 +FICA+ fed tax paid) is added to parents' contribution, plus 20% of child's assets to calculate ...
by teen persuasion
Sun May 20, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2101

Re: child turning 18 - stop filing as dependent?

Even dependents get their standard deduction, they just aren't eligible for their personal exemption, and personal exemptions are worth $0 with the tax reform.

Whether your child is your dependent will affect who is eligible to claim the AOTC for your college student, parents or child.
by teen persuasion
Fri May 18, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Can I Roth convert 401k? (and other retirement acct questions)
Replies: 10
Views: 890

Re: Can I Roth convert 401k? (and other retirement acct questions)

If you could be eligible for EITC, t401k is preferable to tIRA. EITC tests on both line 7 wages (which t401k reduces, but tIRA does not) and AGI (both reduce this). You get as a credit whichever result is smaller (usually higher income = smaller EITC). The EITC phaseout rate for us is 21%. Our state...
by teen persuasion
Wed May 16, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4796

Re: somebody is using our address

I cannot help, but thought this was 'interesting': https://www.npr.org/sections/thetwo-way/2018/05/10/610102872/man-allegedly-used-change-of-address-form-to-move-ups-headquarters-to-his-apartm Anyone can submit a change-of-address form to the USPS and they seem to not check out if it is legit or no...
by teen persuasion
Wed May 16, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you know your marginal tax rate?
Replies: 27
Views: 3065

Re: Do you know your marginal tax rate?

There's also the 7.65% FICA avoided for HSA contributions, which you could view as bumping the top rate to 48.95% if you mentally stack the HSA contributions on top of the retirement contributions. In your low tax bracket, the FICA avoided is likely to be a net loss; $1 of saved FICA costs you more...
by teen persuasion
Tue May 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8458

Re: Can a <median household save 1 year of expenses every year?

Is there anyone here, in this forum, that lives in a household making less than $59,000 gross income per year that saves as much money as they spend, every year? We both make and spend more than this, but by basing this on our actual situation and eliminating some of our extravagances I'll take a c...
by teen persuasion
Tue May 15, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8458

Re: Can a <median household save 1 year of expenses every year?

Our combined gross income just exceeded $60k for the first time last year. DH was contributing 50% of his $40.4k to his 401k, plus nearly maxed his HSA (~$6400). I have no access to a 401k, but we contributed the max to Roth IRAs as well, $6500 DH + $5500 for me. So a total of $38.6k out of $60.5k ...
by teen persuasion
Tue May 15, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8458

Re: Can a <median household save 1 year of expenses every year?

The "every year" part of the question is the harder part. When we were younger, in even lower paying jobs, I was a SAHM, and we had student loans + an ugly 9.75% mortgage, and 5 kids at home - no we were not saving 50% of income. I've been gradually getting to our current situation. It took a while ...
by teen persuasion
Tue May 15, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8458

Re: Can a <median household save 1 year of expenses every year?

Our combined gross income just exceeded $60k for the first time last year. DH was contributing 50% of his $40.4k to his 401k, plus nearly maxed his HSA (~$6400). I have no access to a 401k, but we contributed the max to Roth IRAs as well, $6500 DH + $5500 for me. So a total of $38.6k out of $60.5k g...
by teen persuasion
Tue May 15, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Do you know your marginal tax rate?
Replies: 27
Views: 3065

Re: Do you know your marginal tax rate?

Our marginal rate is more dependent on whether we hit retirement contribution maximums and on refundable credit phaseouts, along with nonrefundable credits causing discontinuities. Without any retirement or HSA contributions, we'd be in the 12% federal bracket + 4% state. Contributions get us down t...
by teen persuasion
Fri May 11, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3147

Re: How close do you cut your monthly surplus?

I don't budget on a monthly basis - our spending is very lumpy. So the checking account floats up, and when we hit one of the high expense months, it goes back down. What I do do is reevaluate every year just how much we can push to tax advantaged accounts, aiming high at the beginning of the year. ...
by teen persuasion
Wed May 09, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1735

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Questions: 1. Any suggestions? I know I need to pay off high interest debts. I'm really embarrassed by it, but have literally had a storm of emergencies this year. It's now dying down. 2. I know there's two theories one is that you pay off all debt first then invest. (I want to get the free 5% from...