Search found 4 matches

by gbounce
Sat Nov 18, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 6326

Re: Do you include the sale of your home as part of your retirement planning?

Yes. I live in a slightly HCOL area. I consider the equity in the house as a lump sum I could use to supplement my investments and/or downgrade to a LCOL. I could see a situation where I have $1 million in equity but if I downgraded to a $200k house in Texas and added $800k to my investments I would...
by gbounce
Sat Oct 07, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 3873

Re: Health Savings Account recommendation

had HSA Bank, but did not like having to keep $5k in cash to avoid the fees. Switched to Saturna..the cheapest option if you are trading 1 or 2 times a year. It's only $3/mo if your cash balance is under $5k isn't it? For other people using HSA Bank just invest all the money you can and eat the $3/...
by gbounce
Sun Jul 23, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 15343

Re: What's your personal savings rate?

50% gross (savings / (gross + matching)), 64% net (savings / (gross + matching - taxes)). Gross is a better number for me to track since I can't control taxes, at least legally. In my case going from a 65% to 70% savings rate requires a lot more sacrifice than I care to make and doesn't move my reti...
by gbounce
Tue Jul 18, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 9671

Re: 4% mortgage rate vs 2.5% BND yield

A big problem is that paying down the mortgage is somewhat like buying a bond or CD that you cannot easily cash out before it matures. So IMO you need to have a lot of liquid assets before you pay extra on the mortgage. IMO, you should be maxing all available tax advantaged retirement accounts, hav...