4+ years later, 29:31:40.
Search found 190 matches
- Tue Feb 13, 2024 7:49 am
- Forum: Investing - Theory, News & General
- Topic: Tax Deferred : Taxable : Tax Free
- Replies: 260
- Views: 22875
- Sun Feb 04, 2024 10:33 am
- Forum: Personal Finance (Not Investing)
- Topic: Accidentally left $0.75 in TIRA last year (interest from the 1-2 days backdoor Roth funds were there). What now?
- Replies: 3
- Views: 738
Re: Accidentally left $0.75 in TIRA last year (interest from the 1-2 days backdoor Roth funds were there). What now?
You're fine, nothing expensive nor problematic. Just do another conversion. And if you value a 0.00 balance, you might want to do a third conversion in early March after the February residual interest is credited. These converted pennies will show up on next year's 1099-R and since the IRS rounds to the nearest dollar I would expect no impact to your taxes on a dollar of "earnings".
- Sun Feb 04, 2024 9:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Is it possible to fund a roth directly with HSA reimbursements?
- Replies: 7
- Views: 571
Re: Is it possible to fund a roth directly with HSA reimbursements?
I would treat step 2 as a separate transaction and not commingle it with the rest, assuming you can cash flow the contribution. Your goals are fine, I have some of the same, but the steps need not be orchestrated with the HSA exactly as you've laid out.
- Wed Jan 24, 2024 4:25 pm
- Forum: Personal Investments
- Topic: 401k rollover: Company wants money back
- Replies: 60
- Views: 5265
Re: 401k rollover: Company wants money back
In my career I've been both acquired and acqui-hired. The acqui-hiring consisted of signing an offer letter with the new employer and I believe made us all technically terminated employees of the previous employer and therefore eligible to do as we please with the 401k rollover. It would be interesting to know if the OP was acquired or acqui-hired.
https://en.wikipedia.org/wiki/Acqui-hiring
https://en.wikipedia.org/wiki/Acqui-hiring
- Sat Jan 20, 2024 10:38 am
- Forum: Personal Consumer Issues
- Topic: Credit cards with benefits - *** No bonus chasing
- Replies: 41
- Views: 4989
- Fri Dec 22, 2023 11:02 pm
- Forum: Personal Investments
- Topic: Unemployed start of 2024. Opportunity to Roth convert?
- Replies: 10
- Views: 1422
- Mon Dec 11, 2023 5:00 pm
- Forum: Personal Consumer Issues
- Topic: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
- Replies: 69
- Views: 7640
Re: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
Thank you, I signed up for the free card yesterday. Now I just need to wait ~11 years and the magic will happen.Laundry_Service wrote: ↑Tue Dec 05, 2023 6:58 amYou probably aren't far from lifetime platinum, since you have the 10 years, if you care. FYI you can get the free Chase Marriott Bonvoy card and get 15 night credits per year and you can get 15 from the AMEX business Bonvoy but that's 125 per year but you get a free night on anniversary.GuySmiley wrote: ↑Wed Nov 29, 2023 7:03 pm Fair points. I switched from Marriott to Hilton years ago, cannot for the life of me remember why. I looked at Marriott again recently and apparently I have Lifetime Gold status with 10 prior years of Platinum, it's all a blur . Maybe I switched due to perceived points value.
- Wed Nov 29, 2023 7:03 pm
- Forum: Personal Consumer Issues
- Topic: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
- Replies: 69
- Views: 7640
Re: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
Correct, doesn't really matter for hotels, they are mostly equal in my opinion. For airlines, it matters a bit more because your home airport may have better options on one airline vs. another. Destinations might matter as well, if more time around Atlanta choose Delta, if more time around Dallas or Miami choose American, etc. I am going to disagree on the hotels somewhat. There are differences in loyalty programs. At broad brush strokes Hyatt treats their elites better than Hilton/Marriott/IHG but have a much smaller footprint. I have never been a Hyatt elite because of this, because they just aren't in a lot of places I go (most of my travel is international). Marriott has the biggest footprint and their elite benefits are decent but the...
- Wed Nov 29, 2023 5:57 pm
- Forum: Personal Consumer Issues
- Topic: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
- Replies: 69
- Views: 7640
Re: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
Sign up for all the hotel and airline loyalty programs that you use -- this is free. Sticking with one brand you like rather than spreading around will get you status (read: increased rewards) more quickly. This is a separate decision than the credit card choice. This is entirely personal preference right? I know the big hotels off hand are the Hilton, Holiday Inn Express, Mariott, and Hyatt. Doesnt really matter which one I make to be loyal to correct? Correct, doesn't really matter for hotels, they are mostly equal in my opinion. For airlines, it matters a bit more because your home airport may have better options on one airline vs. another. Destinations might matter as well, if more time around Atlanta choose Delta, if more time around ...
- Wed Nov 29, 2023 4:57 pm
- Forum: Personal Consumer Issues
- Topic: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
- Replies: 69
- Views: 7640
Re: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
Sign up for all the hotel and airline loyalty programs that you use -- this is free. Sticking with one brand you like rather than spreading around will get you status (read: increased rewards) more quickly. This is a separate decision than the credit card choice.
- Fri Nov 17, 2023 9:58 am
- Forum: Personal Investments
- Topic: T-Bills through Treasury Direct
- Replies: 14
- Views: 2147
Re: T-Bills through Treasury Direct
Great, thank you for the confirmation!
- Thu Oct 26, 2023 4:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I able to reduce my taxes? Should I use my employer’s benefit?
- Replies: 63
- Views: 4249
Re: Am I able to reduce my taxes?
My t401k, Roth IRA and ESPP are with Fidelity. I made this username thinking this was a Vanguard forum or Vanguard heavily supported forum. I just have a taxable account at Vanguard of VTSAX that I started in September 2020. OK, I'm not sure how Fidelity does it, presumably it's conceptually similar. Maybe someone else will come along and advise! What do I have to do with VTSAX at vanguard? This technique your employer offers is only for paycheck contributions. Whatever you have in Vanguard is not related -- however, if you want to max out your employer benefit before the end of the year, you may be able to put 10K of upcoming paycheck money into it and use the Vanguard money for living expenses in lieu of a normal-sized paycheck. Are you ...
- Thu Oct 26, 2023 3:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I able to reduce my taxes? Should I use my employer’s benefit?
- Replies: 63
- Views: 4249
Re: Am I able to reduce my taxes?
My t401k, Roth IRA and ESPP are with Fidelity. I made this username thinking this was a Vanguard forum or Vanguard heavily supported forum. I just have a taxable account at Vanguard of VTSAX that I started in September 2020. OK, I'm not sure how Fidelity does it, presumably it's conceptually similar. Maybe someone else will come along and advise! What do I have to do with VTSAX at vanguard? This technique your employer offers is only for paycheck contributions. Whatever you have in Vanguard is not related -- however, if you want to max out your employer benefit before the end of the year, you may be able to put 10K of upcoming paycheck money into it and use the Vanguard money for living expenses in lieu of a normal-sized paycheck.
- Thu Oct 26, 2023 2:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I able to reduce my taxes? Should I use my employer’s benefit?
- Replies: 63
- Views: 4249
Re: Am I able to reduce my taxes?
OK, I'm not sure how Fidelity does it, presumably it's conceptually similar. Maybe someone else will come along and advise!Vanguard User wrote: ↑Thu Oct 26, 2023 2:46 pm My t401k, Roth IRA and ESPP are with Fidelity. I made this username thinking this was a Vanguard forum or Vanguard heavily supported forum.
I just have a taxable account at Vanguard of VTSAX that I started in September 2020.
- Thu Oct 26, 2023 2:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I able to reduce my taxes? Should I use my employer’s benefit?
- Replies: 63
- Views: 4249
Re: Am I able to reduce my taxes?
No brainer for me Since both options - taxable or 'Mega-backdoor Roth' (e.g. after tax contributions to t401k and converted to r401k)- are done with after-tax contributions, the $10K into the Mega-backdoor Roth wins as you pay no taxes on earning going forward (vs. paying capital gains in a taxable account) How do I do this because I believe my employer launched this benefit about 2 years ago? As your name is Vanguard User and you have a Vanguard taxable account, may we assume your employer retirement plan is also through Vanguard? If yes, then login, go to https://ownyourfuture.vanguard.com/main/manage (at least that is the URL I see on mine), find the section labeled "Your current paycheck contributions" and change the after ta...
- Thu Oct 19, 2023 9:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Chase Avios
- Replies: 6
- Views: 979
Re: Chase Avios
Update: Successful early-October opening of Iberia card. Successful mid-October closing of British Airways card, before annual fee kicked in. Basically I had nothing to worry about.
- Fri Oct 13, 2023 8:07 pm
- Forum: Personal Investments
- Topic: Where put HSA $?
- Replies: 15
- Views: 2405
Re: Where put HSA $?
For me it's an ideal place to put international equities, and so mine is 100% FZILX at Fidelity. Simpler tax filing than Intl in taxable, and higher anticipated growth than bonds to leverage the Roth-like qualities of this type of account. But let's not turn this into a thread on the relative merits of Intl.
- Fri Oct 13, 2023 2:48 pm
- Forum: Personal Investments
- Topic: Are earnings on stock obtained before the marriage separate property in a divorce?
- Replies: 14
- Views: 1584
Re: Are earnings on stock obtained before the marriage separate property in a divorce?
I'm not a lawyer, just a speculator. But I would think a spouse has a claim on something if they are partially paying for it.yosemite_mountain wrote: ↑Fri Oct 13, 2023 2:44 pmI did not think about this. So even funds to pay taxes on the dividends should come from the separate account?
- Fri Oct 13, 2023 2:37 pm
- Forum: Personal Investments
- Topic: Are earnings on stock obtained before the marriage separate property in a divorce?
- Replies: 14
- Views: 1584
Re: Are earnings on stock obtained before the marriage separate property in a divorce?
I would think source of funds to pay taxes on the dividends may be a factor.
- Wed Oct 11, 2023 3:57 pm
- Forum: Personal Investments
- Topic: T-Bills through Treasury Direct
- Replies: 14
- Views: 2147
Re: T-Bills through Treasury Direct
Great to hear, I had a similar question as I've already pre-scheduled my 2024 and 2025 I Bond purchases from CoI for the maturity date of some treasuries.
- Mon Sep 25, 2023 4:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Chase Avios
- Replies: 6
- Views: 979
Chase Avios
I opened a Chase British Airways credit card Nov 1 2022. The anniversary date (and $95 annual fee) is approaching. I have no other relationship with Chase and am not over any 5/24 limit. I like Avios but will get more benefit from opening a similar Chase Iberia credit card for expected travel in 2025. My plan is to put substantial spend on an Iberia card starting in Jan 2024 and throughout the year to leverage both the sign-up bonus (Avios) and the $1000 discount voucher. My question is whether or not to cancel the British Airways card before the anniversary date. Would that hurt my chances of getting approved for the new card, not even keeping it open for a year? Any chance it might actually help? Perhaps also related, I have a Delta Amex ...
- Sun Sep 24, 2023 7:51 pm
- Forum: Personal Investments
- Topic: Taxable account, 12-15 month time horizon
- Replies: 1
- Views: 422
Re: Taxable account, 12-15 month time horizon
What I have done to pre-fund I bond purchases for the next couple years is just buy treasuries at a Treasury Direct which mature close enough to when I would buy the I bonds.
- Thu Sep 07, 2023 6:09 pm
- Forum: Personal Consumer Issues
- Topic: Tree, property line, building damage rules
- Replies: 35
- Views: 3500
Re: Tree, property line, building damage rules
Incurring damage, not causing it. OP is referring to the garage, not the tree.theplayer11 wrote: ↑Thu Sep 07, 2023 2:18 pmI thought you stated you didn’t know who owns the trees?
Why are you blaming him?
- Wed Aug 30, 2023 7:37 am
- Forum: Personal Consumer Issues
- Topic: Passport Photo with White Hair
- Replies: 21
- Views: 5053
Re: Passport Photo with White Hair
Photographer said it somehow impacts the appearance of the off white background (maybe a function of their camera?) such that they had to fiddle with the image settings to return it to an acceptable off-white which exacerbated the issue of the hair blending in to the background.
- Tue Aug 29, 2023 5:51 pm
- Forum: Personal Consumer Issues
- Topic: Passport Photo with White Hair
- Replies: 21
- Views: 5053
Re: Passport Photo with White Hair
MIL with white hair recently took a passport photo. Totally blended in to background. Was accepted by passport agency but we had a few tense weeks of waiting. My actionable suggestion is to not wear a red shirt for the photo.
- Tue Aug 29, 2023 5:03 pm
- Forum: Personal Investments
- Topic: Unwinding Taxable Investments
- Replies: 17
- Views: 2226
Re: Unwinding Taxable Investments
If I understand correctly, you will be converting about 200K of fixed income per year from traditional to Roth IRA. You can accomplish your rebalancing goal in that move buy buying equity in Roth. However, you may be saying you need to do both moves to get your AA where you want to be which is understandable.roundrocky wrote: ↑Mon Aug 28, 2023 5:33 pmGuySmiley, I get what you are saying. I need to get the my Fixed Income investments down & increase the VXUS for rebalancing.
- Sun Aug 27, 2023 7:41 pm
- Forum: Personal Investments
- Topic: Unwinding Taxable Investments
- Replies: 17
- Views: 2226
Re: Unwinding Taxable Investments
If I were in your shoes, instead of exchanging MUB for VXUS, I'd probably exchange VG Strategic Equity for VXUS. Pay some tax and chip away at the issue.
- Sat Aug 05, 2023 7:05 pm
- Forum: Personal Consumer Issues
- Topic: Ebay sniping at high price
- Replies: 20
- Views: 3008
Re: Ebay sniping at high price
I was prompted to re-login to place a bid once during an attempted snipe. Auction ended before I could bid. From that time forward, I switched to the eBay app on my phone for sniping which has never let me down.
- Sun Jul 23, 2023 10:19 am
- Forum: Investing - Theory, News & General
- Topic: How long does TreasuryDirect take to convert paper I bonds?
- Replies: 137
- Views: 50799
Re: How long does TreasuryDirect take to convert paper I bonds?
Another data point, was just about 13 weeks to convert for me recently (as advertised). I have reached the conclusion that I will stop getting paper bonds and direct that money toward 529 plans instead as those appear to be underfunded with greater tax benefit in my situation.
- Fri Mar 31, 2023 8:30 am
- Forum: Personal Investments
- Topic: Good chance of a layoff in the next month, should I max out my mega backdoor Roth?
- Replies: 5
- Views: 766
Re: Good chance of a layoff in the next month, should I max out my mega backdoor Roth?
Logic makes sense even without regard to potential job loss if you have the cash to live on. I do the same by heavily contributing to the mega backdoor for the first few months and going slow and steady on the traditional 401k.
- Thu Mar 16, 2023 9:07 pm
- Forum: Personal Investments
- Topic: 4 week Tbill Supposed to Auction Today
- Replies: 15
- Views: 2018
Re: 4 week Tbill Supposed to Auction Today
In my case I wanted to park $10K at whatever auction rate just long enough to make an I bond purchase in late April. The sudden drop amounts to a couple bucks difference.anon_investor wrote: ↑Thu Mar 16, 2023 7:09 pm Seems silly to buy this week's 4wk with the sudden drop in rates... but maybe the 8 wk.
- Thu Mar 16, 2023 8:55 pm
- Forum: Personal Investments
- Topic: 4 week Tbill Supposed to Auction Today
- Replies: 15
- Views: 2018
- Thu Mar 16, 2023 3:15 pm
- Forum: Personal Investments
- Topic: 4 week Tbill Supposed to Auction Today
- Replies: 15
- Views: 2018
Re: 4 week Tbill Supposed to Auction Today
Thank you for posting, I wanted in on this earlier today but was too late so put the order in for next week. I have now cancelled next week's order and will participate in the auction tomorrow.
- Thu Mar 09, 2023 3:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: treasury I bonds purchase with a tax refund for 2022 tax year
- Replies: 25
- Views: 2690
Re: treasury I bonds purchase with a tax refund for 2022 tax year
Two returns sent for family members over a month ago expecting I bond refund, still nothing. I made an error last year around dependent status, corrected via paper filing but I guess there is still some residual impact and so I'm expecting another year of waiting and eventually receiving a paper check. Sigh. Hopefully 2023 filing next year will be smoother, but I'm definitely seeing the wisdom in simplifying instead of optimizing.
- Sat Mar 04, 2023 2:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 5973
- Views: 1007447
Re: Fidelity as a one stop shop
I'm pleased with Fidelity for purchasing treasury bills but there is one thing I'm not sure of relative to Treasury Direct. Can I instruct Fidelity in advance to put the proceeds from a maturing bill into an external bank account? This would be a great convenience for things like investing for an upcoming property tax payment or other future liability.
- Sat Feb 25, 2023 2:51 pm
- Forum: Personal Consumer Issues
- Topic: What frugal thing did you do today?
- Replies: 4520
- Views: 616785
Re: What frugal thing did you do today?
My daughter traded me 98 pennies for a dollar bill. We went to Target to spend them in the self-service checkout. Found some razors originally at 9.99, discounted to $4 minus a coupon for $4 off, so 30 cents due (sales tax). Darn it, not enough to spend the pennies. Added some mints, and found several coins in the change slot left behind by a previous customer. 34 cents was the balance, paid via cash back Visa, earning about half a cent in rewards.
- Tue Feb 14, 2023 6:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: How badly have you missed your tax owed?
- Replies: 87
- Views: 8860
Re: How badly have you missed your tax owed?
Big miss for me on the over side. For federal I will take the refund and increase 2023 witholding. For state I will apply the the overpayment to 2023. For both federal and state I will skip estimated payments this year as I figure the above actions will get me pretty close.
- Fri Jan 27, 2023 10:10 am
- Forum: Personal Finance (Not Investing)
- Topic: What's Your Credit Card Rewards Strategy?
- Replies: 7203
- Views: 1413014
Re: What's Your Credit Card Rewards Strategy?
You may be right with a cherry on top that the interest is paid to children in a 0% bracket, but the angst (or let's say unknown yet fixed duration) was not worth it for me.boston10 wrote: ↑Fri Jan 27, 2023 10:01 am The statutory interest from the IRS is actually pretty good these days due to the inflation rate. I hve been thinking there is probably a way to make money on that through arbitrage. You may have discovered that way. You might actually do better over those 12 months then you would have if you had put it in a money market (and the money was as safe as FDIC insured savings except obviously totally illiquid).
- Fri Jan 27, 2023 9:44 am
- Forum: Personal Finance (Not Investing)
- Topic: What's Your Credit Card Rewards Strategy?
- Replies: 7203
- Views: 1413014
Re: What's Your Credit Card Rewards Strategy?
Not me exactly but close. I tried to get too clever and overpay for my children. Well since they had never filed previously, I now gather they had no account and the money was acknowledged as paid but in limbo. Just now getting refunded after two phone calls (and the associated time on hold) and 12 months, but as a check with interest, not the I bonds I was hoping for. Ulcers indeed but resolution is finally in sight.
- Wed Jan 18, 2023 2:20 pm
- Forum: Personal Investments
- Topic: Vanguard 2022 USGO information is now available
- Replies: 3
- Views: 852
Re: Vanguard 2022 USGO information is now available
Is there an equivalent for iShares AGG?
- Fri Dec 30, 2022 7:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4273
- Views: 1071998
Re: Share your net worth progression
Excluding home and 529, here are year-end numbers:
2019 1.90M
2020 2.42M
2021 2.96M
2022 2.56M
68/32 equities/bonds
72/28 US/Intl
31/31/38 tax deferred/taxable/Roth
Feeling good to stay the course.
2019 1.90M
2020 2.42M
2021 2.96M
2022 2.56M
68/32 equities/bonds
72/28 US/Intl
31/31/38 tax deferred/taxable/Roth
Feeling good to stay the course.
- Wed Dec 28, 2022 11:50 am
- Forum: Personal Finance (Not Investing)
- Topic: What are you doing differently in 2023?
- Replies: 210
- Views: 28706
Re: What are you doing differently in 2023?
Mostly the same here but a few tweaks, including:
- moving from a credit union account which used to but no longer pays interest above the prevailing rate
- selling EE bond after 12 month period (one of 2022's better investments at 0.10% )
- churning T bills instead of leaving idle cash in checking
- anticipated car purchase and will reduce taxable saving
- moving from a credit union account which used to but no longer pays interest above the prevailing rate
- selling EE bond after 12 month period (one of 2022's better investments at 0.10% )
- churning T bills instead of leaving idle cash in checking
- anticipated car purchase and will reduce taxable saving
- Sun Dec 11, 2022 1:50 pm
- Forum: Personal Investments
- Topic: Minnesota ROTH IRA Conversion with new requirement 2022 W-4MNP
- Replies: 6
- Views: 1146
Re: Minnesota ROTH IRA Conversion with new requirement 2022 W-4MNP
I received a similar notice from Vanguard and complied. I am in the backdoor conversion situation. My wife uses Wells Fargo. Does anyone know if they have a similar requirement?
- Fri Nov 25, 2022 4:27 pm
- Forum: Personal Consumer Issues
- Topic: Finding "award flights" with Membership Rewards
- Replies: 35
- Views: 2949
Re: Finding "award flights" with Membership Rewards
A few more data points for a trip next summer, economy seats.
Delta - US to Europe and back for 72500 miles -- limited options in terms of days and cities but found something suitable.
BA - CDG to LHR for not many Avios, and more notably only $1 in taxes. I had read that BA has high taxes/fees for reward trips but that was not the case for me.
Paying cash for 80% of hotels due to generally not finding good hotel points values.
Delta - US to Europe and back for 72500 miles -- limited options in terms of days and cities but found something suitable.
BA - CDG to LHR for not many Avios, and more notably only $1 in taxes. I had read that BA has high taxes/fees for reward trips but that was not the case for me.
Paying cash for 80% of hotels due to generally not finding good hotel points values.
- Sat Nov 12, 2022 9:13 am
- Forum: Personal Consumer Issues
- Topic: Spare Change
- Replies: 56
- Views: 5006
Re: Spare Change
Target self-checkout -- coins first, and the rest of the balance on credit card.
- Wed Oct 05, 2022 8:32 pm
- Forum: Personal Investments
- Topic: Designating Redemption to TD C of I
- Replies: 6
- Views: 604
Re: Designating Redemption to TD C of I
I am doing the same. It is an option when making the purchase.
- Sun Sep 18, 2022 5:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Uncle says he's not paying taxes anymore
- Replies: 72
- Views: 6241
Re: Uncle says he's not paying taxes anymore
Well, does he owe taxes? This is based on income, not assets.
- Thu Sep 08, 2022 5:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: I am losing my house cause of my ignorance. Please advice.
- Replies: 312
- Views: 37322
Re: I am losing my house cause of my ignorance. Please advice.
Minor point but I'm curious if a mortgage interest tax deduction was/will be taken and by whom.
- Wed Aug 31, 2022 10:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Leaving Vanguard ASAP! Big Security Issue Encountered.
- Replies: 178
- Views: 19727
Re: Leaving Vanguard ASAP! Big Security Issue Encountered.
Happened to my team on a project ten years ago, stressful time. The issue was a static (think shared) class used for storing session info - combined with timing of multiple users logging in within a fraction of a second of each other. Would have been easy to fix or not introduce in the first place but some flavor-of-the-day open source framework was used which obscured the underlying shared nature of it, to make it easier for developers ya know and memory efficient too! .
- Sat Jul 02, 2022 8:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: FI and Young, but not close to SS second bend point
- Replies: 87
- Views: 11502
Re: FI and Young, but not close to SS second bend point
Thanks to this thread I looked and found I am past the second bend point. 5 low years as a student followed by 22 as a professional. I suppose the diminishing returns for SS will be offset by the magic of compound interest over time. I think I'll try to grind for another 5 years or so then reevaluate.