Search found 163 matches

by ICMoney
Thu May 03, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?
Replies: 5
Views: 314

Re: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?

He is ineligible for any month he has received VA medical benefits. I am a disabled veteran and I did not use the VA for anything except medical benefits related to my disability. Which are disregarded. I have dealt with the VA for almost 40 year. There are a lot of good people there, but there wou...
by ICMoney
Thu May 03, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?
Replies: 5
Views: 314

Re: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?

I can't answer your questions, but I can say our situation is similar to yours. I am a retired FED, veteran with no service connection and I had been using VA. Spouse not a FED and not a veteran. I opted to forgo VA and try the GEHA HDHP this year for the HSA benefits. We are fairly healthy, in our...
by ICMoney
Thu May 03, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?
Replies: 5
Views: 314

FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?

We are trying to determine future opportunities to contribute to a HSA given our circumstances. We are in our 30s. Spouse 1 is a federal employee and veteran, who prefers to use the VA for healthcare services (spouse 1 doesn't have a service-connected disability). Spouse 2 is not a fed nor a veteran...
by ICMoney
Wed Apr 04, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance is getting complicated
Replies: 32
Views: 5141

Re: Inheritance is getting complicated

And, quite honestly, Vanguard isn't making it easy to move the money to them. I was sent "partially pre-filled" forms to open an inherited IRA, but it has to be printed, filled in by hand, and then MAILED back in (because I don't have a fax machine) -- so the account will likely take considerable t...
by ICMoney
Wed Mar 28, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent. Experience anyone?
Replies: 27
Views: 1895

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

Anyone have success using a lawyer instead of a real estate agent to close on a house? I feel like with the internet today, a buyer's agent is just not necessary. I can figure out what houses I like searching online and then go see them in either an open house or with the seller's agent. The inform...
by ICMoney
Tue Mar 27, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Father's Pension - Advice
Replies: 13
Views: 1978

Re: Father's Pension - Advice

We spoke to several different customer service representatives and a manager at the company who manages the pension plan and we received the same information; confirmed he was an employee and qualified for the pension plan but do not have any further records. I don't think it's a conspiracy (yet), ...
by ICMoney
Fri Mar 02, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Nanny Payroll Services - Who do you use?
Replies: 17
Views: 1527

Re: Nanny Payroll Services - Who do you use?

We are looking at getting a nanny for our two kids. I am thinking of using a nanny payroll service, such as nannychex, or care.com, to take care of the tax withholding, tax document creation and submissions, and paycheck direct deposit. I was curious if others have experience with any of these, and...
by ICMoney
Tue Feb 27, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1042

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

Huge thanks to everyone who has replied so far, these responses have been insightful! ICMoney, do you mind sharing details on the real estate transaction (I am guessing this was more than just a FSBO with a lawyer looking over paperwork or something)? The plan I signed up for apparently offers all ...
by ICMoney
Sat Feb 24, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4223

Re: Ethics of selling a used car

Selling something "as is" will generally eliminate any warranties, express or implied. But failure to disclose hidden defects that are known only to the seller and can not reasonably be ascertained by the purchaser might still be grounds to rescind the transaction. State laws vary of course and I a...
by ICMoney
Sat Feb 24, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1042

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

For us, it was worth it to elect legal services through Hyatt in a couple key years. Did wills, POA, medical directives, living trust, plus used them for a real estate transaction. Saved hundreds excluding the real estate transaction (where we easily saved thousands), and found the attorney to be co...
by ICMoney
Thu Feb 22, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement strategy for wife
Replies: 18
Views: 2743

Re: Early retirement strategy for wife

What is your combined/split income before and after the potential change? Does $60k of expenses include your mortgage payment, property taxes, insurance, maintenance? Not enough information without incomes. We each make about 120k gross. Yes, those expense include mortgage, property tax, homeowners...
by ICMoney
Wed Feb 21, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: New to FSA and Planning a baby
Replies: 12
Views: 735

Re: New to FSA and Planning a baby

Your OB may global bill (meaning all charges will be billed in one lump on the baby's birthdate) and the hospital bill will be dated as of the date of baby's birth. Unless your employer's plan does something like not making changes until the first of the next month, you should be able to elect FSA d...
by ICMoney
Wed Feb 21, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 26
Views: 1913

Re: Balance in Marriage and Student Loans

Your financial picture is interestingly similar to ours about 10 years ago as we were getting married, except the outstanding loan balance was about half of your future spouse's. This was long before I found this forum, but we paid off the loans immediately with the liquid savings and it worked out ...
by ICMoney
Mon Feb 19, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth IRA & Backdoor Roth IRA
Replies: 4
Views: 726

Re: Mega Backdoor Roth IRA & Backdoor Roth IRA

You need to find out what's going on. It almost sounds like the custodian applied the rollover to regular contributions. If so, then you need to fix that. I'm not sure how that could have happened with a direct rollover though. Get on the horn to Vanguard and get an explanation. Each year I've done...
by ICMoney
Mon Feb 05, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Novice 34 y.o. looking for retirement plan guidance
Replies: 16
Views: 1828

Re: Novice 34 y.o. looking for retirement plan guidance

... Questions: 1. Does this seem like a solid plan given the circumstances? Would you do anything differently? 2. Should I select the Mid (0.55% ER) and Small Cap (0.60%) indexes in the Horace Mann 403B plan to cover a broader range of domestic stocks even though they have a higher expense ratio, o...
by ICMoney
Mon Feb 05, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: First year bogleheader Portfolio checkup
Replies: 8
Views: 817

Re: Portfolio checkup

... Questions/Info: 1. Check-up on our portfolio 2. My goal is to sock away as much as possible while I am young without any kids etc. Where should I be putting extra income that would go into taxable 3. I know I should simplify Roth, but it is a pain for me to sell stocks, so I probalby won't. How...
by ICMoney
Mon Feb 05, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: 26yr old - Check Up - How am I doing?
Replies: 9
Views: 1556

Re: 26yr old - Check Up - How am I doing?

One other thought is to consider whether you may prefer contributing to her traditional 401k before your Roth IRAs since some of her 401k ERs seem decent- this will save on taxes in the near-term, since I think you might expect your tax bracket to decrease when your wife stops working? Then, you cou...
by ICMoney
Fri Feb 02, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2693

Re: Need help - first major career choice (fed. gov.)

Hi all, I have a question for you all. I was offered a job to work with the federal gov, I'm hoping for some comments about the finances of such a job. I think it seems reasonable, but I'm curious if any of ya'll see something that I didn't catch. Some highlights: Location is rural, LCOL, I could f...
by ICMoney
Wed Jan 31, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of doing a Roth IRA conversion
Replies: 5
Views: 645

Re: Mechanics of doing a Roth IRA conversion

tuningfork wrote:
Mon Jan 29, 2018 7:15 pm
You initiate the transfer at Vanguard, probably online but I'm not sure if Vanguard lets you do it online.
Vanguard lets you do tIRA to Roth conversion online in my experience, no human interaction/paperwork needed.
by ICMoney
Tue Jan 30, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 8993

Re: Ameriprise :(

Thank you all for your great advice and sympathies ;) Since I posted I've been trying to move a few accounts to Vanguard but so far, nothing has actually transferred. I’m considering going with another firm (if I can find something better), its been 6 weeks and whenever they run into a snag they dr...
by ICMoney
Mon Jan 29, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Household Employee W-2s
Replies: 10
Views: 627

Re: Household Employee W-2s

Curious if any BHs have used any service to file W-2s for small-time household employees. We employ a housekeeper and babysitter who comes a few times a month. Total pay per year is usually less than $5k. However, the amount of administrative overhead to file W-2s seems to be a bit silly. The SSA w...
by ICMoney
Wed Jan 24, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16946

Re: Dear wife quits job and now we are down to 1 income

OP, congratulations on your growing family! Not sure the circumstances at your wife's former place of employment of course, but "mommy tracking" women is real and I appreciate that could be in play here. I'm sorry she's had to go through all of this at such a special time in your family's life. I st...
by ICMoney
Wed Jan 17, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 9
Views: 751

Re: Portfolio Help

Maybe a follow up question will help me. I will have another $1000 or so to "put" somewhere Friday. Based on my situation, where should that next available money go? Wife's Roth IRA, Wife's Traditional IRA, HELOC, somewhere else? Thanks. Have you run across this page on the wiki yet - it may help y...
by ICMoney
Tue Jan 16, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with TSP G/F Funds
Replies: 10
Views: 894

Re: Bond Allocation with TSP G/F Funds

... After poking around a lot on the Bogleheads forums, I decided to put my entire bond allocation in the TSP G fund. It is a "free lunch" so to speak, in that there is virtually no risk. ... +1 we are doing this too. There is a page in the wiki on the G fund if it's helpful to you: https://www.bog...
by ICMoney
Tue Jan 16, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: In-Service Roth 401(k) Rollovers
Replies: 3
Views: 370

Re: In-Service Roth 401(k) Rollovers

I've found only limited information on the internet regarding this topic. From what I've read it is dependent on your plan administrator and whether or not they allow it.  Does anyone here currently performs or has performed an in-service Roth 401(k) rollover into a Roth IRA account? That is, perfo...
by ICMoney
Mon Jan 15, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on asset allocation: tax efficiency and various accounts
Replies: 5
Views: 391

Re: Newbie question on asset allocation: tax efficiency and various accounts

Hi Bogelheads, I am just starting out and so glad I came across the book Bogelheads' Guide to Investing. I know you guys are super nice and knowledgeable, please help me out in understanding this if you could: As I am enjoying the book, there is this asset allocation problem that is bugging me: In ...
by ICMoney
Mon Jan 15, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Ditched Ameriprise, she got a new job, critique my Asset Allocation (updated)
Replies: 5
Views: 725

Re: Ditched Ameriprise, she got a new job, critique my Asset Allocation (updated)

Welcome and congratulations on recently taking back control of your finances! Hoping this reply will bump your thread as I don't have answers to all of your questions, but a few thoughts: 1. Since you're in the 22% tax bracket, could you instead of prepaying the mortgage max out your traditional 40...
by ICMoney
Mon Jan 15, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement /thru employer allocation
Replies: 12
Views: 690

Re: Vanguard Retirement /thru employer allocation

I think I got everything, if you need more info let me know. Thanks again Emergency funds: I do not have this Debt: Mortgage ($90k and 5.75% interest rate) Car loan ($15k and 12% interest rate) Tax Filing Status : Married Filing Jointly Tax Rate: % Federal, xx% State (not sure will look into this )...
by ICMoney
Sun Jan 14, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocation Advice
Replies: 6
Views: 819

Re: 401k Asset Allocation Advice

Hi folks- I'm pretty new. I started investing about nine months ago. I’ve read a handful of books including the Bogleheads Guide to Investing. I’m 47, single, have 40,000 annual income, rent a home and have zero debt. I have 50,000 in a CD at 2.76% that matures in 4 years, 38,000 in a money market ...
by ICMoney
Sun Jan 14, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 776

Re: Roll SGENX to Thrift Savings

Is there any benefit to rolling my First Eagle SGENX traditional IRA over to my TSP? This question has many parts. We can't really speak to the "benefit" part without knowing your goals, demographics, financial situation, etc. I believe that one can roll a traditional IRA into one's TSP account: ht...
by ICMoney
Sun Jan 14, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving FA, seeking sense check on asset allocation with SRI
Replies: 4
Views: 479

Re: Leaving FA, seeking sense check on asset allocation with SRI

Thanks for reading - 1st post for me. Been using same dealer-broker financial advisor for ~20 years, overall have been happy but the index movement and a notice he will soon be owned by LPL has me wanting to give it a go myself. Here's my numbers and general plan. Through this post I would love to ...
by ICMoney
Sun Jan 14, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 1043

Re: Legal services via employment

My employer offers Hyatt legal legal plans for 6.50 per month. Is it worth the cost? The only expense I see in the near future is a prenup and I just don’t want to be penny wise pound foolish... Thank you. For us, it was worth it to elect legal services through Hyatt in a couple key years. Did will...
by ICMoney
Sun Jan 14, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement /thru employer allocation
Replies: 12
Views: 690

Re: Vanguard Retirement /thru employer allocation

I think I got everything, if you need more info let me know. Thanks again Emergency funds: I do not have this Debt: Mortgage ($90k and 5.75% interest rate) Car loan ($15k and 12% interest rate) Tax Filing Status : Married Filing Jointly Tax Rate: % Federal, xx% State (not sure will look into this )...
by ICMoney
Sun Jan 14, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 1043

Re: Legal services via employment

My employer offers Hyatt legal legal plans for 6.50 per month. Is it worth the cost? The only expense I see in the near future is a prenup and I just don’t want to be penny wise pound foolish... Thank you. For us, it was worth it to elect legal services through Hyatt in a couple key years. Did will...
by ICMoney
Sat Jan 13, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched Ameriprise, she got a new job, critique my Asset Allocation (updated)
Replies: 5
Views: 725

Re: Ditched Ameriprise, she got a new job, critique my Asset Allocation (updated)

... Insurance: Term life that would pay off the mortgage plus a little more. Long Term Disability through work. Tax Filing Status: MFJ Tax Rate: 22% Federal ... His Fidelity 401k: 20% pre-tax (will max out in December), 4% matching Her T. Rowe Price 401k: 20% pre-tax (will max out in December), 6% ...
by ICMoney
Fri Jan 12, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions Juggling severalaccounts
Replies: 12
Views: 820

Re: Portfolio Questions

I didn't read through all of your holdings in detail, but some high-level questions - you were told you can't buy/sell individual stocks in your 401k and/or IRAs (?) - do I have that right? Do you have any idea why that might be? Do you have a company-provided financial advisor actively managing you...
by ICMoney
Fri Jan 12, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pension life insurance, mother's estate
Replies: 2
Views: 303

Re: Pension life insurance, mother's estate

As an active employee participating in the Company A pension plan, you also have pension life insurance coverage of $XXXX. She was a retired employee of A, not an active employee of A, upon her death, correct? Retired is different from active, so she likely isn't owed anything additional based on t...
by ICMoney
Fri Jan 12, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 637

Re: Resource on good financial practices for a graduate student?

Thanks, all, for the feedback...I am a Developmental Psychology PhD; most of my student debt is from undergrad (I understood the investment going in), but my recent emphasis on savings is in part to reframe from borrowing any more money for school costs (e.g., semester fees of $1,500)...Given my tr...
by ICMoney
Fri Jan 12, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: 26, have a job, now what?! Seeking advice!
Replies: 43
Views: 2308

Re: 26, have a job, now what?! Seeking advice!

Thank you for giving me a direct strategy. My question with it (because that is what i was doing until recently) is that realistically if I put all my savings and start maxing out my payment toward my loan that'll be like ~6mo away. From then, I have to save up 30-50 K for a down payment on a house...
by ICMoney
Fri Jan 12, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 26, have a job, now what?! Seeking advice!
Replies: 43
Views: 2308

Re: 26, have a job, now what?! Seeking advice!

... My husband works part time, and has NO interest in money. He would rather be poor than work. I don't mind so much because he tends to all the household chores. When we have children he will be a stay at home dad, so its looking like it might decrease in the future. The plans for buying a smalle...
by ICMoney
Fri Jan 12, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 26, have a job, now what?! Seeking advice!
Replies: 43
Views: 2308

Re: 26, have a job, now what?! Seeking advice!

... Well, we are hoping to buy within the next 2 years to get out of our rental. We are in a tiny 500 sq ft. apartment atm and hoping to start having kids in 1-2 years. Do you recommend to get out of our apartment and rent a bigger space until the market cools down, then buy a house? Our rent curre...
by ICMoney
Wed Jan 10, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1982

Re: retiree health ins - how to propose to Employer?

I think there may be some incorrect information on this thread - the company isn't obligated by law to cover the spouse for the 10 years until her Medicare eligibility through COBRA or any other means. My understanding (as others on this thread have stated) is they are only obligated by law to offer...
by ICMoney
Tue Jan 09, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Newbie asking for Retirement Portfolio Help
Replies: 4
Views: 473

Re: Newbie asking for Retirement Portfolio Help

5. Should we stop contributing to the Roth 401k and instead contribute all of our Roth investments to Roth IRAs? Yes, you could get better mutual fund options in the Roth IRA. +1. Minor point, it could also help you from a tax efficiency perspective - if your 401k is a mix of traditional and Roth, ...
by ICMoney
Mon Jan 08, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3667

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

Thanks again to everyone who has responded - you've given us a lot to think about, and a way forward. We're really grateful for those who have taken the time to read and respond to our situation. Our plans at this point are for sure to increase the emergency fund, and to explore alternatives for mom...
by ICMoney
Tue Dec 26, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Child Tax Credit /Capital Gains Advice - What would you do?
Replies: 14
Views: 1104

Re: Child Tax Credit /Capital Gains Advice - What would you do?

IC Money, That is a good idea, I did not even know it was possible to switch an existing Roth contribution to traditional. I will investigate it right away and see if I can complete by year end. You just need to recharacterize by the April 18, 2018 tax deadline for 2017 - in other words, I don't th...
by ICMoney
Tue Dec 26, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Child Tax Credit /Capital Gains Advice - What would you do?
Replies: 14
Views: 1104

Re: Child Tax Credit /Capital Gains Advice - What would you do?

One idea would be to recharacterize DW's IRA contribution to traditional, which will lower your AGI by $5,500 and may get you back into the range where you're not phased out.
by ICMoney
Mon Dec 25, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3667

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

Save mom's entire salary for 1.5 yrs. Mom should take full break and enjoy time with kids - been there, done that - it is a great joy. She can return to work in a few years if she wants - does the pay and position really matter? Dad has a steady job and I dont really see any issues - expenses will ...
by ICMoney
Mon Dec 25, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3667

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

Some of this has already been said, but I will repeat it. Immediately start saving all of your wife's income and not using any of it for expenses. That will give you a more realistic sense of what it will be like to live on your income only. At the same time it is building up your emergency fund :)...
by ICMoney
Mon Dec 25, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3667

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

Just a vote of confidence here from me. Bogleheads forum consensus always seems to discourage the SAHM because from a financial standpoint, yeah, there are risks and it's never the most profitable option, but then we could all be working harder and making more money somehow. I'm sure that having a ...
by ICMoney
Mon Dec 25, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses
Replies: 46
Views: 3667

Re: Plan for Stay at home mom within 1.5yrs - what to do about mortgage/saving/expenses

If I did the math right, it looks like about $400k of the portfolio is Mom's. I'm assuming Mom is 36 and Dad is 38 (based on the order you listed above). If that's correct, then: 1) :sharebeer Mom is awesome. 2) Mom deserves a break. Also, well done on finishing up grad school with no student loan ...