Search found 15 matches

by Cieren
Thu Oct 19, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7565

Re: Wife New Car Recommendations - SUV

We bought a 2017 CX-5 about a month ago, and I have basically one nitpick with it at this point, which is that it doesn't come with Android/Apple Auto. Frustrating! However, Mazda has indicated this feature is coming "soon" and that it will most likely be backwards compatible with some of the newer ...
by Cieren
Wed Oct 18, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 2163

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Both my husband and I are diehard PC gamers. We have similar gaming rigs (but the differences let me speak to what you're considering to an extent), built last year: Processor: Intel Core i7-5820K (both) RAM: 16GB (4x4GB) DDR4 DRAM 2400MHz (PC4-19200) (both - he has Corsair Vengeance, I went with G....
by Cieren
Wed Oct 18, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 10130

Re: How many miles/years do you keep your car?

I'm sort of all over the place - my first few cars were "rust buckets," (over 15 years old) and I have no idea how many miles were on them when I bought them, but all of them were driven into the ground. My younger years were kind of hectic... anyway, once I got my act together, my first "adult" car...
by Cieren
Fri Sep 29, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

Understood about next year. For discussion purposes...assuming exactly $88,000 income, if you did the full family HSA ($6750), full 401k and 403b ($36K total), and $8250 traditional IRA, your federal tax would be $0. After SS and medicare, you'd have ~$31K for all expenses. How does that compare wi...
by Cieren
Thu Sep 28, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 7989

Re: Is the new Chevy Equinox any good?

I'll be honest, we never looked at the Equinox, due to reviews. We recently bought a 2017 Mazda CX-5; we wouldn't normally buy new and it's not a great time for us to be getting into a car loan (ugh), but we pulled the trigger on the Mazda for numerous reasons (both financial and emotional). We test...
by Cieren
Thu Sep 28, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

Thanks for all of the suggestions! Husband is on board for aiming to live on one salary by January, and is fine with working until August to provide some additional cushion. I think I'll take the route of: 401(k) contribution: 6% (my company matches 100% up to 6%) HSA contribution: 8% of salary - po...
by Cieren
Thu Sep 28, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

I don't think we'd be able to swing school off of just income if we put all our savings into the car (and sadly, that wouldn't pay off the car). :( However, discussing this really clarified a few things for me; primarily that we need to start living off of my salary now rather than waiting (so it wo...
by Cieren
Thu Sep 28, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

School will be paid for partially by him working part-time, partially through savings, and partially from my salary. It is, thankfully, not an expensive school. Can I ask about the reasoning behind paying off the car loan before putting money into a retirement fund? The returns on our retirement sav...
by Cieren
Thu Sep 28, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

A Roth is a good choice because you're very unlikely to be withdrawing in a lower bracket. Taxable is also a good choice if you use tax-efficient funds. In the 15% bracket you pay no tax on qualified dividends or capital gains. IRAs might have different protection from creditors than 401k, I don't ...
by Cieren
Thu Sep 28, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 7501

Re: My Smartest Financial Moves

1. Getting YNAB to get our spending/expenses under control.
2. Convincing my husband to let me take over our asset management (no FA).
3. Snapping up a foreclosure for under market value, and staying in it (small mortgage, small house, happy finances).
by Cieren
Thu Sep 28, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 2040

Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?

Hi all, I'm a bit confused on the best way to prioritize my/my husband's investments at this point. I've read through the wiki, and done some thinking and tossing back/forth in my head, but I still can't solidify the right strategy for us. Current Scenario: I'm 38, husband is 34; we do not have chil...
by Cieren
Thu Sep 28, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 21431

Re: My boneheaded financial mistakes

I can't explain how helpful this thread is (and how reassuring) - I'm not quite 40 yet and I often feel like I'm still scrambling to figure out where I/we should be, financially. Add to that that I've made a ton of financial mistakes (soooo many), and have the sinking feeling I'll probably make a co...
by Cieren
Wed Mar 08, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 185
Views: 36639

Re: GEICO auto rates vs. USAA: too good to be true?

We have Geico and I doubt we'll switch unless I find something a LOT cheaper. Almost 6 years ago we were in a fairly major accident. We were in a Civic, and got T-boned in an intersection by a Humvee. Our car was spun around and ended up hitting another car. Because my husband was turning left, he w...
by Cieren
Mon Feb 20, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions? (Trying to simplify/reorganize)
Replies: 2
Views: 565

Re: Portfolio Suggestions? (Trying to simplify/reorganize)

Thank you for the welcome and for the help! For his Roth 403(b), I've double checked with his employer, and we're allowed to roll that portion out. For the non-Roth, it turns out we can switch administrators from where it is (MassMutual) to TIAA Cref and lose the administrative fee. I'll be double a...
by Cieren
Thu Feb 16, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions? (Trying to simplify/reorganize)
Replies: 2
Views: 565

Portfolio Suggestions? (Trying to simplify/reorganize)

Sorry for the repost; I hit submit accidentally before I was done! Hi all - up until recently, my husband and I handled our retirement accounts separately. However, he stopped working with his FA (they were through his employer, and his employer switched firms), and he's agreed that I can take over ...