Search found 104 matches

by FrugalProfessor
Wed Jun 06, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Super funding 529
Replies: 13
Views: 1143

Re: Super funding 529

The analysis you need to do is to trade off the state 529 subsidy vs the dividend & capital gains taxes from investing the equivalent amount in a taxable brokerage account. So we're evaluating between $100k in 529 (costing us $98,730 after tax subsidy) vs $10k in 529 + $90k in brokerage account (cos...
by FrugalProfessor
Sun May 27, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 3770

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

We had anywhere between 2-5 kids while in our 7 years of grad school. We qualified for food stamps in one state and medicaid in two states. Our assets, which were in the range of $150-$250k precluded us from food stamps in one state as well as medicaid for me (but my wife and kids were OK). In anoth...
by FrugalProfessor
Thu May 24, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs Emergency Fund
Replies: 21
Views: 1458

Re: 529 vs Emergency Fund

I use my Roth as my emergency fund. If you desired to do the same, then you wouldn't have the need to save in a separate "emergency fund" account. From there, your decision is 529 vs taxable brokerage. For me, I'm a fan of funding the 529 up to my state's max deduction ($10k), then dump money into a...
by FrugalProfessor
Wed Apr 18, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 4166

Re: Best cash back card right NOW.

Does ME charge any additional fees? Any disadvantage to having funds with them? Actually now that I look closer, its not really much of a gain over just using an Alliant CC for general use with Uber CC for 4% restaurants, Amex BCP for 6% groceries, and several card options for 4% gas (1% loss, meh)...
by FrugalProfessor
Tue Apr 17, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 4166

Re: Best cash back card right NOW.

With 100k assets at ME. Can transfer VTSAX directly from VG to ME if you want and pick up a transfer bonus along the way. BoA Cash Rewards 5.25% gas 3.5% groceries (including Costco) BoA Premium Rewards 3.5% travel 3.5% restaurants 2.625% everything else Relatively low 2.5k quarterly spending limit...
by FrugalProfessor
Mon Apr 16, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 17172

Re: Can I retire at age 40?

2,300,000 in retirement which is why I said 2 million because of early withdrawal fees I would lose a lot and wanted that to be factored in Early withdrawal fees can be mitigated with the "roth conversion ladder" strategy: https://www.madfientist.com/how-to-access-retirement-funds-early/ http://roo...
by FrugalProfessor
Sun Apr 15, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 4166

Re: Best cash back card right NOW.

With 100k assets at ME. Can transfer VTSAX directly from VG to ME if you want and pick up a transfer bonus along the way. BoA Cash Rewards 5.25% gas 3.5% groceries (including Costco) BoA Premium Rewards 3.5% travel 3.5% restaurants 2.625% everything else Relatively low 2.5k quarterly spending limit...
by FrugalProfessor
Sun Apr 15, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 4166

Re: Best cash back card right NOW.

With 100k assets at ME. Can transfer VTSAX directly from VG to ME if you want and pick up a transfer bonus along the way. BoA Cash Rewards 5.25% gas 3.5% groceries (including Costco) BoA Premium Rewards 3.5% travel 3.5% restaurants 2.625% everything else Relatively low 2.5k quarterly spending limit ...
by FrugalProfessor
Thu Apr 12, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10776

Re: Wanting to leave Fidelity

sport wrote:
Thu Apr 12, 2018 12:02 pm
I use a bank for banking and an investment company for investing. You may get better service by separating the two functions.
+1. I've never understood the appeal of banking at an investment company.
by FrugalProfessor
Thu Apr 12, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2647

Re: To HSA or HSA -- explain like I'm 5.

The HSA is arguably the best tax savings vehicle available. Normally you have to either choose between a tax break now (traditional) or tax break later (Roth). With an HSA, you get both, also called "triple-tax-free": (1) you get a tax deduction the year you contribute, (2) the earnings grow and co...
by FrugalProfessor
Sat Apr 07, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: I have the basics down, now what to prioritize? (401k, student loans, etc)
Replies: 18
Views: 1851

Re: I have the basics down, now what to prioritize? (401k, student loans, etc)

Here are my thoughts: https://www.frugalprofessor.com/hierarchy-of-savings/

+1 to get the hell out of student loans. >7% tax free return with 0 risk? Sign me up any day of the week!
by FrugalProfessor
Sat Apr 07, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15300

Re: Parents have zero savings. What can I do?

This thread sounds really familiar. Between my wife and I, we have one set of parents that are broke and one set of parents that are well off. Fortunately, the broke parents have 6 kids. Unfortunately, most of the 6 children are also broke, leaving the inevitable financial burden among the couple un...
by FrugalProfessor
Sat Mar 24, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really target to pay 0% Federal Taxes for 12 yrs of Retirement
Replies: 46
Views: 6260

Re: Can I really target to pay 0% Federal Taxes for 12 yrs of Retirement

Roth conversions up to standard deduction + 0% dividends + 0% LTCG (including capital gain harvesting). $0 taxes owed. https://www.gocurrycracker.com/never-pay-taxes-again/ https://www.gocurrycracker.com/the-go-curry-cracker-2013-taxes/ https://www.gocurrycracker.com/go-curry-cracker-2014-taxes/ htt...
by FrugalProfessor
Thu Mar 22, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help my wife when I die.
Replies: 37
Views: 4389

Re: Help my wife when I die.

Good morning Bogleheads! Sorry for the morbid title, everything is fine as far as I know. I am a long-time reader of the forum, but have only just now made an account. I really wanted to thank everyone here for the amazing discussions and advice on a variety of subjects. I have been trying to becom...
by FrugalProfessor
Wed Feb 28, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Turbotax
Replies: 8
Views: 904

Re: Backdoor Roth IRA Turbotax

Thanks for the reply Prof! I have followed the TFB tutorial and it is still adding $3000+ when I finish inputting the 1099-R forms after inputting contributions... Let's make this simple. Say you made $11k of contributions to TIRA, all of which was non-deductible. You convert to RIRA next day when ...
by FrugalProfessor
Wed Feb 28, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Turbotax
Replies: 8
Views: 904

Re: Backdoor Roth IRA Turbotax

Have you looked at this tutorial? https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html The key is to enter IRA contributions first, then enter conversion. If you get the order wrong you will likely run into issues. If I were you, I'd delete your contributions & conversions within ...
by FrugalProfessor
Mon Feb 26, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: $500 above EITC limit and $700 above 20% savers credit instead of 10%...
Replies: 17
Views: 1085

Re: $500 above EITC limit and $700 above 20% savers credit instead of 10%...

let this be a lesson...I could have easily contributed $700 more to my 401k in December of last year to get more money back on my taxes but forgot to calculate my taxes until now instead of late November of last year like I should have. Now I cannot think of a way to lower my AGI and I already cont...
by FrugalProfessor
Wed Feb 21, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38857

Re: What UN-frugal thing do you do?

Finally succumbed and bought a $41/mo gym membership on campus to allow me to rock climb. I do so 3x/week and it makes me happy.

We bought 2 moviepasses the other month and that's been great: https://www.costco.com/MoviePass-and-Fa ... 95930.html
by FrugalProfessor
Mon Feb 19, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: what is marginal tax rate?
Replies: 29
Views: 2604

Re: what is marginal tax rate?

We have a fun example. We are eligible for EITC with 2 children currently. EITC has a 21% phaseout rate. Before 401k contributions, we'd be in the 10% bracket, plus 4% state income tax bracket. Also, the state matches EITC at 30%. So every $ contributed to traditional 401k saves 10% + 4% in taxes, ...
by FrugalProfessor
Sun Feb 11, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3588

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you wan...
by FrugalProfessor
Sun Feb 11, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3588

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you wan...
by FrugalProfessor
Mon Feb 05, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2233

Re: Internet Speed 15Mbps okay ?

3mbps down & 1mbps up here. I'm living proof that you can survive the atrocities of slow internet.

I notice an almost imperceptible difference between work (super fast) and home, with the caveat that 3mpbs can't handle simultaneous devices well.
by FrugalProfessor
Sun Feb 04, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for my simple tax situation
Replies: 11
Views: 1166

Re: Strategies for my simple tax situation

Looks pretty accurate to me. You properly accounted for the $2k CTC. If I were you, the only remaining option I'd entertain is shove money into Roths (including your 401k if Roth 401k is an option). In this manner, you lock in the 12% bucket now and are hedged against future increases in taxes. You ...
by FrugalProfessor
Sun Feb 04, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3934

Re: Do you live on a budget?

I track our spending. We spend without remorse on items we need (groceries, shelter, healthcare). We next spend money pretty freely on things we really want (infrequent trip to a restaurant, simple entertainment, modest vacations). We tend not to spend money on "sort of wants" (random trinkets, conc...
by FrugalProfessor
Sat Feb 03, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3733

Re: Disney visit

We did a VRBO 2 years ago in this area: https://www.vrbo.com/results/usa/florida/central-disney-orlando/lake-buena-vista/bonnet-creek-fairfield-orlando. I believe the specific hotel was "Wyndham Bonnet Creek". Paid around $150/night. It was within the Disney property. Just a few minute drive from th...
by FrugalProfessor
Sat Feb 03, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 93867

Re: Bank of America/Merrill Edge - Preferred Rewards

I strongly recommend against boa auto pay through ebills. I had it before for one credit card and paid less attention on its payments until a collection letter came. It turns out the ebill is tied to the credit card number, not the account itself. So if the card number changes for any reason, their...
by FrugalProfessor
Thu Feb 01, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 93867

Re: Bank of America/Merrill Edge - Preferred Rewards

I strongly recommend against boa auto pay through ebills. I had it before for one credit card and paid less attention on its payments until a collection letter came. It turns out the ebill is tied to the credit card number, not the account itself. So if the card number changes for any reason, their...
by FrugalProfessor
Thu Feb 01, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to get rid of an IRA from old 401k plan to allow a back door Roth
Replies: 12
Views: 1225

Re: How to get rid of an IRA from old 401k plan to allow a back door Roth

For myself, I rolled into current employer's 403b.

Brilliant post here by the white coat investor on how to do it if the above option is unavailable: https://www.whitecoatinvestor.com/penni ... -roth-ira/
by FrugalProfessor
Tue Jan 30, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients
Replies: 36
Views: 3081

Re: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients

I moved $50k of VTSAX from Vanguard to Merrill Edge last month to juice my BOA credit card rewards. Contrary to what has been posted elsewhere on this blog, you don't need to convert to VTI prior to transferring out. The caveat is that VTSAX cannot be purchased within Merrill Edge. Knowing the above...
by FrugalProfessor
Tue Jan 23, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking through Paying Down the Mortgage
Replies: 58
Views: 4712

Re: Thinking through Paying Down the Mortgage

To me, stuffing Trad/Roth IRA/401k/401a/457, HSA, 529 trump paying off mortgage. Only after the above would I consider prepaying mortgage. My 15Y mortgage is similar (2.875%). Going forward I will itemize, so no subsidy on debt. For my taxable accounts to beat my mortgage, I'd have to get at least 2...
by FrugalProfessor
Wed Jan 17, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5945

Re: To the doctors on the forum

Bacchus01, I feel your pain and am equally perplexed at the complete failure of medicine to provide transparent pricing. We have a HDHP plan as well and have faced similar frustrations while pricing out basic procedures/exams (strep test, pink eye, etc) prior to hitting our deductible each year. At ...
by FrugalProfessor
Tue Jan 16, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25305

Re: TurboTax Prices

Freetaxusa does schedule c and d and lives up to it's name. Only downsides are the platform is online and does not import brokerage data. I've inputted my data on TurboTax and freetaxusa and get identical numbers. I'm not sure why freetaxusa doesn't get more love from bogleheads. Manually inputting...
by FrugalProfessor
Tue Jan 16, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3924

Re: Considering PhD...but so much to consider...

I finished a phd last year at the age of 35. I don't think it makes financial sense over a master's in most fields other than a couple. Attrition is high in many PhD programs. We lost 50% of our students for various reasons (half walked out and half kicked out). I received a 25-30k stipend which cer...
by FrugalProfessor
Fri Jan 12, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 6731

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Watched the youtube video. Interesting, but mostly unrelated to the topic. The video highlights the debilitating effects of compounded fees. 100% VTSAX has almost no fees. Bogle has changed countless lives (but unfortunately not enough as the video highlights). Thank you Bogle! I'm 70% VTSAX (and fi...
by FrugalProfessor
Tue Jan 02, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: 529's: Torn Between Utah and Vanguard (Nevada) Plans
Replies: 21
Views: 11028

Re: 529's: Torn Between Utah and Vanguard (Nevada) Plans

CA has the cheapest all-in index fund available. If I were you guys (unconstrained by state incentives), I'd do that without any question. https://www.scholarshare.com/research/fees.shtml Index U.S. Equity Investment Portfolio (8bp all-in fee). If you want diversification, achieve it in other accoun...
by FrugalProfessor
Fri Dec 29, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23449

Re: Do you see a meaningful change in your income with new Tax Bill?

Would everyone expecting a decrease (or increase) in their 2018 Federal tax bill mind coming back in 2019 and tell us how it actually worked out for them? We fall into that group of high-income working people that will likely see a significant increase in our tax bills. But we are not very sure of ...
by FrugalProfessor
Thu Dec 21, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58050

Re: Tax Bill Omnibus Thread

The wife and I are trying to figure out the best way to handle our charitable donations given this tax reform. We have 10,000 mortgage interest (slightly declining each year). We will hit the $10,000 cap for SALT. We want to donate $10,000 to charities which should we do? 1. Donate 30,000 to a Dono...
by FrugalProfessor
Wed Dec 20, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58050

Re: Tax Bill Omnibus Thread

I have written fairly comprehensive Excel models for 2017 and 2018 taxes. Available for download at bottom of this page: https://www.frugalprofessor.com/model-of-new-tax-plan-house-senate-compromise/. The 2017 model is accurate to within $5 for all scenarios I've thrown at it, with the caveat that ...
by FrugalProfessor
Wed Dec 20, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58050

Re: Tax Bill Omnibus Thread

I have written fairly comprehensive Excel models for 2017 and 2018 taxes. Available for download at bottom of this page: https://www.frugalprofessor.com/model-of-new-tax-plan-house-senate-compromise/. The 2017 model is accurate to within $5 for all scenarios I've thrown at it, with the caveat that i...
by FrugalProfessor
Mon Dec 18, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12486

Re: Any Instant Pot users here?

I have had an electric pressure cooker for 10 years, predating the instantpot for sure. We just upgraded to the largest instantpot. I would recommend an instantpot to anyone. Put a price alert on CamelCamelCamel and buy when on sale.
by FrugalProfessor
Thu Dec 14, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Hire CPA or file my own taxes?
Replies: 12
Views: 1270

Re: Hire CPA or file my own taxes?

Do it yourself. FreeTaxUSA is free federally with nominal state charge. TurboTax is really easy to use as well, but costlier. If you don't trust FreeTaxUSA, enter into both tools and see that they produce equivalent results. You only pay TurboTax at the last step (eFiling) so it's free to play aroun...
by FrugalProfessor
Sat Dec 02, 2017 2:02 am
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 8972

Re: The College Bubble - investment opportunities after the collapse?

I teach. I'm not sure what the future of higher education is. I can definitely see it going either way. Reasons why it will collapse: student debt is unsustainable, job prospects are poor for many majors, easily consolidated and provided for free from top colleges via internet. Reasons why it won't ...
by FrugalProfessor
Sun Nov 12, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1698

Re: What Credit Card is good for me?

I think the best single card on the market is the USAA 2.5% cash back card. I've had either the Fidelity & Citi 2% cards for close to a decade. My new strategy is to park $100k of Vanguard funds at merril edge, then do the following: 5.25% cash back on gas (BoA cash rewards card) 3.5% cash back on d...
by FrugalProfessor
Fri Nov 10, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9385

Re: $23k credit card emergency

You have a spending problem, not an income problem. 1.) Slash living expenses. Find a roommate if possible, saving $500/month. I pay $1/month on cell phones. You should not pay more than me. https://www.frugalprofessor.com/phones/ Groceries: Slash your budget by 50%. Eat only oatmeal, banannas, rice...
by FrugalProfessor
Tue Oct 31, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: TFB article on after-tax contributions to 401a/403b
Replies: 6
Views: 490

Re: TFB article on after-tax contributions to 401a/457

tfb wrote:
Tue Oct 31, 2017 10:54 am
FrugalProfessor wrote:
Tue Oct 31, 2017 10:48 am
Thanks for catching the mistake TFB. Sorry to misquote. I have updated the original post accordingly.
Still not quite right because you left 457 there.
Just fixed it. Thanks!
by FrugalProfessor
Tue Oct 31, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: TFB article on after-tax contributions to 401a/403b
Replies: 6
Views: 490

Re: TFB article on after-tax contributions to 401a/457

I read the following TFB article on after-tax contributions to a 403b/457 this morning: https://thefinancebuff.com/401a-plan-contribution-limit.html. He states that some employers allow for the elusive after-tax contributions to 403b/457 plans, which opens the door for contributions up to the $54k/...
by FrugalProfessor
Tue Oct 31, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: TFB article on after-tax contributions to 401a/403b
Replies: 6
Views: 490

TFB article on after-tax contributions to 401a/403b

I read the following TFB article on after-tax contributions to a 401a/403b this morning: https://thefinancebuff.com/401a-plan-contribution-limit.html. He states that some employers allow for the elusive after-tax contributions to 401a/403b plans, which opens the door for contributions up to the $54k...
by FrugalProfessor
Tue Oct 24, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: avoiding sequence of returns risk?
Replies: 39
Views: 3485

Re: avoiding sequence of returns risk?

The most intelligent discussion I've seen on the topic is here: * http://www.choosefi.com/035-sequence-return-risk-early-retirement-now/ * https://earlyretirementnow.com/2017/05/17/the-ultimate-guide-to-safe-withdrawal-rates-part-14-sequence-of-return-risk/ * https://earlyretirementnow.com/2017/09/1...
by FrugalProfessor
Mon Oct 16, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 4551

Re: 529 Savings - Is it enough?

CA offers a total US stock market fund for 0.08%: https://www.scholarshare.com/research/fees.shtml. It is where I am planning on putting 529 contributions in excess of my state's 10k limit. Regarding the optimality of prioritizing 529 above retirement, I have a hard time conjuring up such scenarios....