Search found 107 matches

by ForeverInvestorILL
Sat Nov 10, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: New Funds Added to 401K - Help with Rebalance / Relocation
Replies: 5
Views: 396

Re: New Funds Added to 401K - Help with Rebalance / Relocation

In y your 401k I suggest using; 1) Vanguard Institutional Index Fund (a S&P 500 index fund) (VINIX) ER 0.035%; 2) Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) ER 0.11%; and 3) Metropolitan West Total Return Bond Fund (MWTSX) ER 0.37%. Metropolitan West Total Return Bond Fund...
by ForeverInvestorILL
Sat Nov 10, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: New Funds Added to 401K - Help with Rebalance / Relocation
Replies: 5
Views: 396

Re: New Funds Added to 401K - Help with Rebalance / Relocation

3. Part of me thinks that the easiest thing to do might be to shift my 401K allocation to the Vanguard Target Date Institutional 2040 Fund (currently 85/15 Stock to Bond ratio) and slowly (as my 401K increases quicker than my Roth) exchange out parts of the Total Bond Market into Total US / Total I...
by ForeverInvestorILL
Fri Nov 09, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: New Funds Added to 401K - Help with Rebalance / Relocation
Replies: 5
Views: 396

New Funds Added to 401K - Help with Rebalance / Relocation

My 401K has recently added new funds and as we are getting to the of the year, I think it is a good time to revisit my fund selection as well as fund location. Current Portfolio: ~$75K (estimated balances as of Dec 31) Asset Allocation: 90/10 with 25% of stock allocation in International Taxable $10...
by ForeverInvestorILL
Sun Oct 21, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

FYI HSA and PPO refer to different areas of health care. PPO refers to Preferred Provider network. Providers not in network (contracts with the health plan) Going to a provider outside the network will cause you to spend more on healthcare. HSA/HDHP is a way of lowering premiums by having the indiv...
by ForeverInvestorILL
Sun Oct 21, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

All, I just received my Open Enrollment Health Insurance options for 2019 and need help deciding which to choose. See facts below: HSA (In-Network) Annual Premium: $1,185 Deductible: $2,700 Coinsurance: Employee pays 25% after deductible met OOP Max: $6,650 Employer Contribution: $750 (paid in conj...
by ForeverInvestorILL
Sun Oct 21, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

You got it, generally. For a major health issue/spend, you'll win in the HSA. The fact that you have co-pays in PPO is a bit of a variable as your particular usage pattern could cut into your advantage if you use a specific mix (brand drugs are usually another culprit). On the whole though, I look ...
by ForeverInvestorILL
Sat Oct 20, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

How much health care do you typically use? Given that you didn't mention anything about it initially, my assumption is that you're a light user and HSA is right for you. ShowMe - Thanks for your reply. I haven't used much lately (knock on wood), maybe a visit or two per year. I used to go to physic...
by ForeverInvestorILL
Sat Oct 20, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

sawhorse wrote:
Sat Oct 20, 2018 5:30 pm
Do they have the same networks and coverage?
Sawhorse - I believe so, both are administered by UnitedHealthcare.
by ForeverInvestorILL
Sat Oct 20, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

How much health care do you typically use? Given that you didn't mention anything about it initially, my assumption is that you're a light user and HSA is right for you. ShowMe - Thanks for your reply. I haven't used much lately (knock on wood), maybe a visit or two per year. I used to go to physic...
by ForeverInvestorILL
Fri Oct 19, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1263

Help with Health Insurance for 2019 [PPO vs. HSA]

All, I just received my Open Enrollment Health Insurance options for 2019 and need help deciding which to choose. See facts below: HSA (In-Network) Annual Premium: $1,185 Deductible: $2,700 Coinsurance: Employee pays 25% after deductible met OOP Max: $6,650 Employer Contribution: $750 (paid in conju...
by ForeverInvestorILL
Sun Oct 07, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3053
Views: 597486

Re: What's Your Credit Card Rewards Strategy?

This has been a very interesting thread to follow. My credit card strategy is fairly simple (I think in relative terms to what I’ve read here lol): 1. Chase Sapphire Reserve - 3x on travel and dining 2. Chase Ink Cash - 5x on AT&T cell phone bill and 2x on gas 3. Chase Freedom Unlimited - 1.5x on e...
by ForeverInvestorILL
Sun Oct 07, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3053
Views: 597486

Re: What's Your Credit Card Rewards Strategy?

This has been a very interesting thread to follow. My credit card strategy is fairly simple (I think in relative terms to what I’ve read here lol): 1. Chase Sapphire Reserve - 3x on travel and dining 2. Chase Ink Cash - 5x on AT&T cell phone bill and 2x on gas 3. Chase Freedom Unlimited - 1.5x on ev...
by ForeverInvestorILL
Sat Jun 16, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 13051

Re: Which boglehead rule do you break--and are ok with

Very interesting thread to follow so figured why not chime in: 1. At age 24, hold way more cash than recommended (lot of big purchases upcoming - wedding, down payment, etc) 2. Hold 10% bonds in Roth IRA due to Target Date in 401K and size/growth with contributions to each respective account 3. Will...
by ForeverInvestorILL
Sat Jan 20, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax Filing Question
Replies: 5
Views: 720

Re: Tax Filing Question

I hesitate to answer because I have not followed the link that you are describing. It is very important how you link into these software programs as to what you get charged. But it sounds like you are correct. I can tell you with certainty that if you go through myfreetaxes.com, you will be able to...
by ForeverInvestorILL
Sat Jan 20, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Tax Filing Question
Replies: 5
Views: 720

Re: Tax Filing Question

I hesitate to answer because I have not followed the link that you are describing. It is very important how you link into these software programs as to what you get charged. But it sounds like you are correct. I can tell you with certainty that if you go through myfreetaxes.com, you will be able to...
by ForeverInvestorILL
Sat Jan 20, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Tax Filing Question
Replies: 5
Views: 720

Tax Filing Question

Bogleheads, Hopefully a simple tax question as I am preparing my 2017 taxes. My AGI is ~$60K for 2017 and I made about $650 this year from bank account interest. For 2016, I filed my taxes on Turbo Tax and paid $85 for federal & state. I was researching where to file this year and came across the IR...
by ForeverInvestorILL
Mon Jan 08, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

It sounds like the general consensus is to go with either the Google Fi service or AT&T prepaid (which both look like good options). It is going to be hard for me to fork over $700 for the iPhone 8 but $40/mo for unlimited talk, text, and 6GB of data with a $50 reimbursement/month will be nice. Any...
by ForeverInvestorILL
Mon Jan 08, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

FYI - Target has the pixel 2 with a promotion. Pay full price ($651 at Target, not sure why its not $649) and get a $250 Target Gift Card. I did this yesterday. You need sign up with Verizon, but you can quickly get out of the Verizon service if you pay off the phone (I did that today) and then you...
by ForeverInvestorILL
Mon Jan 08, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

It sounds like the general consensus is to go with either the Google Fi service or AT&T prepaid (which both look like good options). It is going to be hard for me to fork over $700 for the iPhone 8 but $40/mo for unlimited talk, text, and 6GB of data with a $50 reimbursement/month will be nice. Any...
by ForeverInvestorILL
Mon Jan 08, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

It sounds like the general consensus is to go with either the Google Fi service or AT&T prepaid (which both look like good options). It is going to be hard for me to fork over $700 for the iPhone 8 but $40/mo for unlimited talk, text, and 6GB of data with a $50 reimbursement/month will be nice. Any...
by ForeverInvestorILL
Mon Jan 08, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

You don't have to get an iPhone 8. You could get a iPhone SE, 6, 6s, or newer for a lot less than an 8. If you want to keep the 8 for 5 years, then it might make sense. Or if you want to sell your 8 before 5 years are up to get money back and buy the 11 or whatever is out at that time. Like I said ...
by ForeverInvestorILL
Mon Jan 08, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

It sounds like the general consensus is to go with either the Google Fi service or AT&T prepaid (which both look like good options). It is going to be hard for me to fork over $700 for the iPhone 8 but $40/mo for unlimited talk, text, and 6GB of data with a $50 reimbursement/month will be nice. Anyo...
by ForeverInvestorILL
Mon Jan 08, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

All I have to do is go to an AT&T store and tell them I own my phone and want to go prepaid? If I can keep my current phone and pay less than $50, that would be fantastic. I was on prepaid from the start, so I never went through this, but I would stop by an At&T store and talk to them. I think they...
by ForeverInvestorILL
Mon Jan 08, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

Stay with AT&T- go prepaid. 6G data, unlimited calling for $40/mo with auto pay (comes to about $44/mo with taxes). It's $5 more if you don't use auto pay. You have to own your phone for this. Chambers - I am leaning towards this plan now. All I have to do is go to an AT&T store and tell them I own...
by ForeverInvestorILL
Mon Jan 08, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

What are your thoughts on Total Wireless? I just looked on their website and they are offering an iPhone 7 and 5GB for $55 a month. That sounds like a good deal. You are currently on AT&T, why would you pay $55 (for 5GB data) when you could use AT&T Prepaid directly for $45/month ($40 with auto pay...
by ForeverInvestorILL
Sun Jan 07, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

aj76er wrote:
Sun Jan 07, 2018 11:09 pm
The Wizard wrote:
Sun Jan 07, 2018 8:50 pm
Try Google's project Fi...
+1
Random question but is the $20 referral code still live? Would consider adding that if I went with Project Fi.
by ForeverInvestorILL
Sun Jan 07, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

I have a friend in Chicago who uses a Pixel 2 ( just had their 6p get the infamous boot loop, so upgraded due to that) on Fi and they are very happy with it. Look at coverage maps and make your choice between big networks, Fi, and the MVNO's. I can verify there is a difference between big network c...
by ForeverInvestorILL
Sun Jan 07, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

sambb wrote:
Sun Jan 07, 2018 10:29 pm
would stick with iphone and get the iphone X - its awesome, and you may find a ROI in time that you didnt have before
I would love love love to get the IPhone X but the $1,000 price tag is a mental barrier that I won’t cross.
by ForeverInvestorILL
Sun Jan 07, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

I have a friend in Chicago who uses a Pixel 2 ( just had their 6p get the infamous boot loop, so upgraded due to that) on Fi and they are very happy with it. Look at coverage maps and make your choice between big networks, Fi, and the MVNO's. I can verify there is a difference between big network c...
by ForeverInvestorILL
Sun Jan 07, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

student wrote:
Sun Jan 07, 2018 9:19 pm
Do you have comcast internet? If so, take a look at viewtopic.php?t=220754
My parents have a Comcast account and my roommate is the one that pays our current Comcast internet bill? Would either of those work?
by ForeverInvestorILL
Sun Jan 07, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

I just turned 24 and my parents are making me get on my own phone plan. I currently have a IPhone 5s on AT&T. I would like to upgrade to a newer phone (iPhone 8, Pixel 2, or Galaxy S8) I asked if I could stay on their plan and just write them a check and they said no so that’s not an option. My wor...
by ForeverInvestorILL
Sun Jan 07, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

I am very very skeptical of the small carriers (Cricket, Boost, Virgin Mobile, etc) and worry about their reliability. They use the same towers and networks as the big carriers, they just pay the big companies for the access. The network they use will vary by phone and where you are but you can usu...
by ForeverInvestorILL
Sun Jan 07, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

Try Google's project Fi... The Wizard...I was doing some reading on Project Fi and sounded interesting. Do you have personal experience with them? It could work if I purchased a Pixel 2 from them too. Yes, I have a Nexus 5x on Fi for the past few years. I should upgrade to Pixel 2 soon due to the 5...
by ForeverInvestorILL
Sun Jan 07, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

I switched from Verizon to Cricket about a year ago. I too was skeptical, especially in terms of reliability. I pay $35 per month and the service has been great. I believe Cricket runs on the AT&T network, so you would probably see no change in service. Interesting. I live in Chicago and don’t real...
by ForeverInvestorILL
Sun Jan 07, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

Things are pretty loose about what makes a family for the various phone plans. Do you have a friend, buddy, cousin, or other relative that you could pair up with and make your own family for a phone plan? Of course someone has to be come up with the money for the bill every month and if someone doe...
by ForeverInvestorILL
Sun Jan 07, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Re: Best Phone Plan for 1 person

The Wizard wrote:
Sun Jan 07, 2018 8:50 pm
Try Google's project Fi...
The Wizard...I was doing some reading on Project Fi and sounded interesting. Do you have personal experience with them? It could work if I purchased a Pixel 2 from them too.
by ForeverInvestorILL
Sun Jan 07, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4576

Best Phone Plan for 1 person

I just turned 24 and my parents are making me get on my own phone plan. I currently have a IPhone 5s on AT&T. I would like to upgrade to a newer phone (iPhone 8, Pixel 2, or Galaxy S8) I asked if I could stay on their plan and just write them a check and they said no so that’s not an option. My work...
by ForeverInvestorILL
Fri Dec 29, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

Props on a job well done! Here are my thoughts: 1. Too much cash? It's close. I'm a bit worried about such a large portion of your net worth being tied to cash, but I'm more concerned about how that cash will be used. Maybe you shares specifics, but if you're planning a 15K engagement ring and a 20...
by ForeverInvestorILL
Fri Dec 29, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

at 24, I would suggest getting rid of any bond funds. as of now they are a bigger % of your total and will drag your returns while you are so young. IMO anyone under 30 should be 100% stocks. I would also suggest investing as much Cash as you can and using the rewards credit cards for the trips and...
by ForeverInvestorILL
Fri Dec 29, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

Hi ForeverInvestorILL, First post here :happy I'm in a very similar situation to you in that I'm 24 and (presumably) have been working for a few years. I live at home, but I just have a bunch of cash in my savings. This is my first step into investing, besides my employer 401K. May I ask why you do...
by ForeverInvestorILL
Fri Dec 29, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

1. I'm glad the responses haven't been negatively critical, at least, so far. It's still early on the East Coast though :wink: 2. You seem to be doing just fine. It's difficult to not keep trying to maximize or push for 100% efficiency. 3. You could deliberately make it an onerous process to access...
by ForeverInvestorILL
Fri Dec 29, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

Great job at 24 years old. Based on your age I would say that your cash savings for future expenses probably needs to be beefed up. Hit 50k and keep going. I check my stock app about 10 times a day and then download everything into quicken at night. Nothing wrong with looking if you know not to do ...
by ForeverInvestorILL
Thu Dec 28, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

Hello, With the holidays coming to a close and starting to think about the New year, I wanted to review my Financial Plan for 2018. I found this site 2 years ago and am incredibly thankful that I did. Below is my current situation: Emergency funds: Yes, 6 months at $2,500/month = $15,000 (could pro...
by ForeverInvestorILL
Thu Dec 28, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

Great job at 24 years old. Based on your age I would say that your cash savings for future expenses probably needs to be beefed up. Hit 50k and keep going. I check my stock app about 10 times a day and then download everything into quicken at night. Nothing wrong with looking if you know not to do ...
by ForeverInvestorILL
Thu Dec 28, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

Re: 2018 Financial Plan [24 year old]

ForeverInvestorILL: I wish I had the good sense to own a portfolio like yours when I was your age. Avoid the urge to tinker. Stay the course. Happy Holiday! Taylor Taylor, always appreciate your insight. I have learned a lot at a very young age because of you and this entire site, so I definitely o...
by ForeverInvestorILL
Thu Dec 28, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1583

2018 Financial Plan [24 year old]

Hello, With the holidays coming to a close and starting to think about the New year, I wanted to review my Financial Plan for 2018. I found this site 2 years ago and am incredibly thankful that I did. Below is my current situation: Emergency funds: Yes, 6 months at $2,500/month = $15,000 (could prob...
by ForeverInvestorILL
Fri Jun 02, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old
Replies: 8
Views: 1008

Re: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old

It is important to note that I just moved out of my house and into an apartment in Chicago with 2 roommates. I am paying $1000 in rent per month. Tax Rate: 25% Federal, 3.75% State State of Residence: IL Income: $65K New annual Contributions Max Roth IRA 2. I am about a month into living in my new ...
by ForeverInvestorILL
Thu Jun 01, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old
Replies: 8
Views: 1008

Re: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old

First off, what banks are you using for checking and savings?!?! Those are insane interest rates! Rest looks solid to me! Hard to say on the apartment, I am a CA native and pricing there is a little skewed, but I pay closer to $1450 for my own bed/bath in a desirable beach city, so $1000 seems midd...
by ForeverInvestorILL
Thu Jun 01, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old
Replies: 8
Views: 1008

Re: 1 year (ish) Bogleheads Portfolio Checkup - 23 yr old

You are doing well. With a Target Retirement fund at .08%, can't get any better than that. Just keep funding it and it will pay off well in the decades ahead. Question: Emergency funds: $27K in Checking Account earning 2%, $7.5K in Savings Account earning 2.25% (only can transfer max $500/month int...