Search found 1226 matches

by AndroAsc
Sun Feb 02, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block asking for the NAME of the Foreign Country for Foreign Tax Credit?
Replies: 4
Views: 568

Re: HR Block asking for the NAME of the Foreign Country for Foreign Tax Credit?

livesoft wrote:
Sun Feb 02, 2020 9:41 pm
It is helpful to read the text provided by HRBlock and click on LEARN MORE

Image
That didn't show up or I missed it. I came up during their accuracy review, and this got flagged.
by AndroAsc
Sun Feb 02, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block asking for the NAME of the Foreign Country for Foreign Tax Credit?
Replies: 4
Views: 568

HR Block asking for the NAME of the Foreign Country for Foreign Tax Credit?

This seems to be new in 2019...

H&R Block is asking me to enter the NAME of the Foreign Country, because I entered Foreign Tax Credit (from various international ETFs). What should I put there?
by AndroAsc
Sun Jan 19, 2020 10:54 pm
Forum: Investing - Theory, News & General
Topic: Holding too much emergency fund cash...
Replies: 47
Views: 5181

Re: Holding too much emergency fund cash...

Is anyone in the same boat as me? I feel like I'm holding too much emergency fund cash. I live in the a HCOL so the absolute value is high. Originally, I wanted to do 2 yrs emergency fund, but right now I've compromised at 18mth and $40k, and that's like the bare min to live on. I don't have a lot ...
by AndroAsc
Sun Jan 19, 2020 10:46 pm
Forum: Investing - Theory, News & General
Topic: Holding too much emergency fund cash...
Replies: 47
Views: 5181

Re: Holding too much emergency fund cash...

Is anyone in the same boat as me? I feel like I'm holding too much emergency fund cash. I live in the a HCOL so the absolute value is high. Originally, I wanted to do 2 yrs emergency fund, but right now I've compromised at 18mth and $40k, and that's like the bare min to live on. I don't have a lot ...
by AndroAsc
Sun Jan 19, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Why have so many people forgotten about 19% drop 13 months ago?
Replies: 54
Views: 7186

Re: Why have so many people forgotten about 19% drop 13 months ago?

There was nearly a 20% drop a year ago? Honestly, I did not know. It wasn't creating enough of a doom and gloom news.
by AndroAsc
Sun Jan 19, 2020 10:18 pm
Forum: Investing - Theory, News & General
Topic: Holding too much emergency fund cash...
Replies: 47
Views: 5181

Holding too much emergency fund cash...

Is anyone in the same boat as me? I feel like I'm holding too much emergency fund cash. I live in the a HCOL so the absolute value is high. Originally, I wanted to do 2 yrs emergency fund, but right now I've compromised at 18mth and $40k, and that's like the bare min to live on. I don't have a lot o...
by AndroAsc
Tue Jan 14, 2020 8:14 pm
Forum: Personal Investments
Topic: Just Accidentally Contributed to Roth IRA (over income limit). Now what?
Replies: 3
Views: 326

Re: Just Accidentally Contributed to Roth (over income limit). Now what?

Do not withdraw it. Call your custodian and have them re-characterize the contribution to tIRA. It will be like you put it in tIRA from the get go. Then do your conversion as planned. The re-characterization must be noted on your taxes. Not sure where. Might be schedule 1? So it would go as: Initia...
by AndroAsc
Tue Jan 14, 2020 7:59 pm
Forum: Personal Investments
Topic: Just Accidentally Contributed to Roth IRA (over income limit). Now what?
Replies: 3
Views: 326

Just Accidentally Contributed to Roth IRA (over income limit). Now what?

Crap... I was going to do a backdoor Roth IRA, but I accidentally contributed new money to my Roth IRA. Additional complication is this contribution is for CY 2019, and yes my AGI for CY 2019 is over the income limit.

How do I fix this? Do I just withdraw what I put in?
by AndroAsc
Fri Jan 03, 2020 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: For those who got out of tech industry (voluntarily or involuntarily)..
Replies: 109
Views: 8769

Re: For those who got out of tech industry (voluntarily or involuntarily)..

- I have 3 former colleages who did the coursework and became CFP's. All seem to still be happy with that choice. I'm curious about the CFP path, as I've always had an interest in finance. What do they become after getting a CFP? Financial planner? Financial adviser? And is it as simple as getting ...
by AndroAsc
Fri Jan 03, 2020 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: For those who got out of tech industry (voluntarily or involuntarily)..
Replies: 109
Views: 8769

Re: For those who got out of tech industry (voluntarily or involuntarily)..

I'm in tech, and worried about ageism. I'm told that after age 40, you are too old, and for late comers like me, it's not a rosy path. My plan is to grow my career as aggressively as possible in the next 10 years, getting entry in a top-tier FAAANGMULA company, and setting ridiculous goals like $500...
by AndroAsc
Fri Jan 03, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?
Replies: 42
Views: 3257

Re: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?

RickBoglehead wrote:
Fri Jan 03, 2020 9:01 pm
Planning on making a profit on a house is flawed logic.

If you spend less than rent, you win.
It's not trying to make a profit, it's waiting for a good discount.
by AndroAsc
Fri Jan 03, 2020 8:53 pm
Forum: Investing - Theory, News & General
Topic: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?
Replies: 42
Views: 3257

Re: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?

I believe 2009 really was an unprecedented event. Part of the whole reason the bubble blew up so big was that "housing never goes down" was the selling point. The other thing to consider is how bad the housing crash was. I cannot speak for Seattle, but in Florida there are homes that have still not...
by AndroAsc
Fri Jan 03, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?
Replies: 42
Views: 3257

Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?

Yet another rent increase from landlord this year, 7%... I'm more on the renter side, because I like the flexibility that I can uproot myself and move if I ever need to. I'm also telling myself I will wait for the next recession, wait for home prices to drop (discount/sales!) then considering purcha...
by AndroAsc
Fri Jan 03, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medical school at 34 - Is this financial suicide?
Replies: 116
Views: 10231

Re: Is this financial suicide?

Don't. Doctor's income are extremely late-weighted. Considering your age, it IS financial suicide. You can run projections for yourself and check. Would a better alternative to train for one of those Physician Assistant or Nurse Practitioner (or whatever they are called, basically "Doctor light" wit...
by AndroAsc
Fri Jan 03, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Why has the economy not crashed yet?
Replies: 36
Views: 2610

Why has the economy not crashed yet?

I'm not a market timer, and generally don't listen to financial news...

But I'm getting worried the market hasn't crashed yet. It's been long overdue by now, yes?
by AndroAsc
Fri Jan 03, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Notes on International small-cap as of 2019
Replies: 47
Views: 3631

Re: Notes on International small-cap as of 2019

Isn't DLS and DGS a good proxy for international small-cap value?
by AndroAsc
Wed Jan 01, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for Dealing with A Job Layoff
Replies: 28
Views: 2186

Re: Strategies for Dealing with A Job Layoff

There is always the fear in my head that I will be laid off from my job. Does someone have a step by step action plan on what you would do immediately following a lay-off. This is my plan initially, but I’d like to hear from y’all on something better. 1. Immediately file for unemployment benefits /...
by AndroAsc
Wed Jan 01, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer
Replies: 45
Views: 4184

Re: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer

I agree that a 20-30 year analysis may be better, but if you look at the methodology section, the author mentioned that after 10 years, public data points are harder to come by and the variance is larger. Also, in 10 years: - The management consultant path assumes the person reaches Principal, the l...
by AndroAsc
Mon Dec 30, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer
Replies: 45
Views: 4184

Re: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer

The numbers for software engineers are somewhat accurate, considering you are talking about the top percentiles (I am in the field). However, in order to get those numbers you are “forced” to live in the Bay Area basically (where run-down houses are 2M+), or maybe Seattle, so that’s another point t...
by AndroAsc
Sun Dec 29, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer
Replies: 45
Views: 4184

Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer

Some kind soul did a 5-way analysis for financially optimal career path for high W-2 income jobs. This assumes top-tier (so >80th percentile). https://docs.google.com/spreadsheets/d/1h1N6rrvLRmapN2fwreSBL45I89azg2tsrwoQ1iEN8f0/edit#gid=0 I found it very insightful, and wished I had this information ...
by AndroAsc
Sun Sep 29, 2019 10:38 pm
Forum: Investing - Theory, News & General
Topic: Why not use Margin Loan as eFund?
Replies: 63
Views: 4827

Re: Why not use Margin Loan as eFund?

0% APR credit card(s) would be a better primary option imho. In the last recession, many banks stopped offering 0% APR and many banks cut existing credit line limits. There was a community of 0% APR floaters, basically get $100k-1mil credit, do BT to savings that was yielding 5-6% APY, and pay off ...
by AndroAsc
Sun Sep 29, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Why not use Margin Loan as eFund?
Replies: 63
Views: 4827

Re: Why not use Margin Loan as eFund?

I used to work the margin desk. I would recommend using margin to handle cash flow issues but not as a emergency fund. Margin loans tend to have high/higher interest rates than alternatives. As a rule of thumb I would not hold a margin loan longer than 90 days. What alternatives are there? I don't ...
by AndroAsc
Sun Sep 29, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Why not use Margin Loan as eFund?
Replies: 63
Views: 4827

Re: Why not use Margin Loan as eFund?

I don't know much about margin borrowing, but in a perfect storm like 2008 couldn't this plan turn around to bite you? Imagine: 0) Assume you plan to use margin to fund your e-fund. 1) You lose your job due to a widespread recession, so you need to live off your emergency fund for a while. 2) Stock...
by AndroAsc
Sat Sep 28, 2019 11:15 pm
Forum: Investing - Theory, News & General
Topic: Why not use Margin Loan as eFund?
Replies: 63
Views: 4827

Re: Why not use Margin Loan as eFund?

Most people don't have a $100,000 taxable account, especially when they're at the phase of their life where they most need an emergency fund. By the time most people have a $100,000 taxable account, you'll find many people saying they no longer need an emergency fund at all. Let's assume for discus...
by AndroAsc
Sat Sep 28, 2019 11:03 pm
Forum: Investing - Theory, News & General
Topic: Why not use Margin Loan as eFund?
Replies: 63
Views: 4827

Why not use Margin Loan as eFund?

Discovered a new thing today, and now I'm trying to figure out why all our conventional eFund advice is to sock it in savings/CDs/etc.... One of the highest APY for online savings is 2.4% APY, which is where my eFund will be. Interactive Brokers offer margin loans for is 3.35% (I assume this is APR ...
by AndroAsc
Sat Sep 28, 2019 10:29 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 201
Views: 58972

Re: Interactive Brokers (Best Kept Secret)

I'm trying to understand this margin loan thing from a few posts back. Is it possible to use it as an emergency fund? Is the loan callable?
by AndroAsc
Sat Sep 28, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads do Real Estate Investing (not REITs)
Replies: 16
Views: 1866

Re: How many Bogleheads do Real Estate Investing (not REITs)

I know many Bogleheads do not do Real Estate Investing, I'm with you on that. Maybe I've hanging out with the "wrong crowd" recently, but I'm starting to think more about Real Estate Investing. Btw, to define RE, I'm talking about stuff like rental properties, NOT your home. I'll start with cons fi...
by AndroAsc
Sat Sep 28, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads do Real Estate Investing (not REITs)
Replies: 16
Views: 1866

Re: How many Bogleheads do Real Estate Investing (not REITs)

I know many Bogleheads do not do Real Estate Investing, I'm with you on that. Maybe I've hanging out with the "wrong crowd" recently, but I'm starting to think more about Real Estate Investing. Btw, to define RE, I'm talking about stuff like rental properties, NOT your home. I'll start with cons fi...
by AndroAsc
Sat Sep 28, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads do Real Estate Investing (not REITs)
Replies: 16
Views: 1866

How many Bogleheads do Real Estate Investing (not REITs)

I know many Bogleheads do not do Real Estate Investing, I'm with you on that. Maybe I've hanging out with the "wrong crowd" recently, but I'm starting to think more about Real Estate Investing. Btw, to define RE, I'm talking about stuff like rental properties, NOT your home. I'll start with cons fir...
by AndroAsc
Sun Sep 22, 2019 12:17 am
Forum: Investing - Theory, News & General
Topic: Home as Investment: Would Negative Interest Rate Makes Sense?
Replies: 5
Views: 970

Home as Investment: Would Negative Interest Rate Makes Sense?

I know many Bogleheads (including myself) don't see homes as an investment. Too much hidden costs, and work. But... if we have negative interest rates, that means the banks pay us each month to own a mortgage right? Would that change your opinion on homes as an investment, and has anyone done the ma...
by AndroAsc
Sat Sep 21, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX
Replies: 119
Views: 8820

Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX

Read Larry Swedroe's new book "Your Complete Guide to a Successful & Secure Retirement". It's interesting that he advocates for a bunch of alternative investments: - Alternative Lending (LENDX) - Reinsurance (SRRIX) - Variable Risk Premium (AVRPX) - Alternative Risk Premium (QRPRX/QSPRX). I've defin...
by AndroAsc
Fri Sep 20, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: eFund: CD Ladder vs High-Yield Savings vs Money Market Fund
Replies: 5
Views: 1043

eFund: CD Ladder vs High-Yield Savings vs Money Market Fund

For my first-level emergency fund, I have the following options: 1) CD Ladder 2) High-Yield Savings 3) Money Market Fund Objective is to minimize effort and maximize return. But I'm also wary that in the intermediate-term future (next 5yrs), I may need to dip into my emergency fund for reasons out o...
by AndroAsc
Sun Aug 11, 2019 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Chubb/PURE vs "normal" insurance (lifelong renter)
Replies: 3
Views: 798

Chubb/PURE vs "normal" insurance (lifelong renter)

Recently learned about Chubb/PURE and other "high-end" insurance policies that seems to give less grief when it comes to claim time. I'm a cheapo using GEICO for auto/home and $3mil Umbrella. Should I be switching? I don't want to deal with nonsense that when I need the payout, especially for umbrel...
by AndroAsc
Fri Jul 26, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Is getting a home to airbnb a good investment?
Replies: 20
Views: 2486

Is getting a home to airbnb a good investment?

I know Bogleheads are generally anti-rental property, and I agree with you guys on that. Often, when you figure out the hidden costs of empty rentals, tenant eviction, legal/court fees, maintenance and upkeep fees, the returns ain't that good. I get that. However, does AirBnb change the equation? As...
by AndroAsc
Sun Jul 14, 2019 11:14 pm
Forum: Investing - Theory, News & General
Topic: Best Crypto Offline Wallet (from security perspective)
Replies: 3
Views: 889

Best Crypto Offline Wallet (from security perspective)

Let's table any "political" discussion of why crypto is a bad idea. Yes, it's a bad idea. Yes, I think I'm buying some with my 5% play money. I'm ok if I lose everything tomorrow. I'm sorry for being such a weak-willed Boglehead. Now that's out of the way, I've been looking into what is the best (fr...
by AndroAsc
Wed Jul 10, 2019 12:15 am
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

Unless Vanguard has changed in the last year, Vanguard did not support (technology wise) all the features a 401K plan could offer such as allowing you to do after-tax contributions and immediately and automatically roll them into a ROTH 401K. Fidelity is able to do this. According to Vanguard (last...
by AndroAsc
Wed Jul 10, 2019 12:14 am
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

Double plot twist... Looks like my ex-employer just launched a self-directed brokerage in the 401k. Which would swing me towards keeping my Vanguard 401k But then I calculated the current fees from CY 2018, and it amounted to 0.06%-0.07% of my current portfolio value (so the actual expense is probab...
by AndroAsc
Tue Jul 09, 2019 10:37 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Morningstar Tax Cost Ratio. Some things are not right?
Replies: 6
Views: 612

Re: Help me understand Morningstar Tax Cost Ratio. Some things are not right?

Ok, bringing in triceratop's data from 2017 spreadsheet, assuming 35% federal tax, 0% state tax and 15% QDI tax rate. I'm not sure if M* accounts for foreign tax credit, so I've also included with no foreign tax credit M* (5-yr) vs Triceratop 2017 (1-yr) IJS - 0.42% vs 0.27% VTI - 0.56% vs 0.33% VEA...
by AndroAsc
Tue Jul 09, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Morningstar Tax Cost Ratio. Some things are not right?
Replies: 6
Views: 612

Re: Help me understand Morningstar Tax Cost Ratio

Why is it useless? I've seen some of triceratop's tax efficiency spreadsheets, but I'm also looking into several non-Vanguard ETFs. Also M* is nice because they give the past 5-yr/10-yr tax efficiency (assuming their numbers can be trusted!) It assumes the highest federal marginal rate, no state ta...
by AndroAsc
Tue Jul 09, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Morningstar Tax Cost Ratio. Some things are not right?
Replies: 6
Views: 612

Re: Help me understand Morningstar Tax Cost Ratio

It’s useless. Search the forum for triceratop’s tax efficiency threads for a far better approach, with spreadsheets. Why is it useless? I've seen some of triceratop's tax efficiency spreadsheets, but I'm also looking into several non-Vanguard ETFs. Also M* is nice because they give the past 5-yr/10...
by AndroAsc
Tue Jul 09, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Morningstar Tax Cost Ratio. Some things are not right?
Replies: 6
Views: 612

Help me understand Morningstar Tax Cost Ratio. Some things are not right?

I'm trying to figure out using a more precise method the tax efficiency of my various ETF/funds, and which one I should place in taxable. I recently stumbled onto Morningstar Tax Cost Ratio, which they define as "The Morningstar Tax Cost Ratio measures how much a fund's annualized return is reduced ...
by AndroAsc
Tue Jul 09, 2019 9:49 pm
Forum: Personal Investments
Topic: WisdomTree DLS & DGS for International Small Cap Value tilt?
Replies: 16
Views: 1849

Re: WisdomTree DLS & DGS for International Small Cap Value tilt?

Are WisdomTree DLS & DGS good choices to achieve an International Small Cap Value tilt? I know they pay dividend, that's not an issue for me. I know their TER is relatively high but the performance seems to make up for it. I've read Paul Merriman thinks their good choices for SCV. What are your tho...
by AndroAsc
Tue Jul 09, 2019 9:46 pm
Forum: Personal Investments
Topic: Frequency of 401k contributions - frontloading versus quateraly
Replies: 13
Views: 967

Re: Frequency of 401k contributions - frontloading versus quateraly

Front load. Because if you get laid off or fired, you would have lost the match.
by AndroAsc
Tue Jul 09, 2019 9:30 pm
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

Is there a kind of employer 401k plan administration wrapped around those Vanguard funds? Just wondering if there is an overall plan fee associated with the plan beyond just the expense ratios of the funds. If so, surely best to move. Fidelity is great and has some super low cost index funds, great...
by AndroAsc
Tue Jul 09, 2019 9:28 pm
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

You state that your Vanguard 401k is from a previous employer. In most cases, when you leave an employer, you are able to roll that employer's 401k plan into a self-directed IRA. There are 2 VERY important advantages to a self-directed IRA: Considerably lower fees, both administrative fees and expe...
by AndroAsc
Tue Jul 09, 2019 10:39 am
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

whodidntante wrote:
Tue Jul 09, 2019 10:37 am
I would consolidate at fidelity given the situation you described. Is there some reason you don't want to?
I like Vanguard mutual funds... A LOT.
by AndroAsc
Tue Jul 09, 2019 10:32 am
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 1060

Should I rollover my Vanguard 401k to my Fidelity 401k?

Can't believe I am considering this: Should I rollover my Vanguard 401k to my Fidelity 401k? Vanguard 401k: - Have access to institutional Vanguard mutual funds (VITSX, VTSNX) - Have access to a Vanguard operated stable value fund (under 3% in recent times - so not quite TIAA Trad) - It's an ex-empl...
by AndroAsc
Tue Jul 02, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5673

Re: HCOL vs LCOL Dilemma

OP, Some alternatives: A) Rent instead of buying a house there. B) If you buy, only put 20% down payment and nothing more. California is a non-recourse loan state. You can walk away from the house if you need to. KlangFool a) Agreed b) What??? Wouldn't they send him to collections (and take a huge ...
by AndroAsc
Tue Jul 02, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5673

Re: HCOL vs LCOL Dilemma

OP, based on your TC you are likely working for a top tier tech company. I would NOT downgrade at this point, as staying in a top tier employer opens a lot of door. The 50% TC cut is not worth it, and there's no employers in Dallas that can pay as well. I'll be blunt, moving to Dallas is committing ...