Search found 507 matches
- Sun Jul 16, 2023 6:09 am
- Forum: Personal Investments
- Topic: Laid off 50 y.o., considering early retirement, feedback please
- Replies: 65
- Views: 9337
Re: Laid off 50 y.o., considering early retirement, feedback please
Would feel good about this with the part-time work included; or otherwise commit to full retirement for 2 years and see if the money feels too tight to enjoy your time. If so, you can always go back to work.
- Sun May 07, 2023 4:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Pension with Critical and Declining status
- Replies: 23
- Views: 3091
Re: Pension with Critical and Declining status
They typically just ride it out as long as possible, knowing that the govt’t will step in to fund it eventually (most often during an unrelated crisis). You’ll know the full lobby is on when they start quoting how much existing paid benefits will be cut. Whichever congressional reps are nearest to the plan participants will start to take interest.
- Wed Mar 15, 2023 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying off debt advice and budget review
- Replies: 16
- Views: 2236
Re: Paying off debt advice and budget review
Here are some thoughts: 1) you seem to view your money and spending in an interesting way, but to simplify you make $237K per year, spend probably $130K per year ignoring the loan payback (with some going toward home equity) and have $82K in debt. Little in non-retirement savings, but very good retirement savings and solid home equity. 2) income vs expense doesn’t sound amazing on the surface, but your partner has income so there should still be opportunity for plenty of saving as you share the core expenses Somebody can figure out your fed/state/city/fica tax bill for us, but it ain’t cheap. 3) I’d say you can and should still contribute max to 401k. Big tax giveaway if you don’t take full advantage. 4) you are a spender, but regardless yo...
- Fri Mar 03, 2023 4:12 am
- Forum: Personal Consumer Issues
- Topic: Disney World Vacation
- Replies: 57
- Views: 4389
Re: Disney World Vacation
My vote is yes, do it and experience it. Lots of naysayers but there really is no other place like it. For WDW, book a full week and experience a lot of what is offered across the 4 parks. Summer is brutally hot. I prefer fall when you get a break from temps and darkness comes earlier. One tip would be avoid full days at the parks. Stay someplace nice and enjoy the hotel scene as well during 1/2 day park days.
- Thu Nov 03, 2022 11:57 am
- Forum: Personal Investments
- Topic: Am I on track or am I doing something stupid?
- Replies: 28
- Views: 5662
Re: Am I on track or am I doing something stupid?
You are doing very well. Keep it going, and keep it simple.
- Sat Oct 29, 2022 12:58 pm
- Forum: Personal Investments
- Topic: I Bonds purchase strategy going forward
- Replies: 21
- Views: 3977
Re: I Bonds purchase strategy going forward
Consider if inflation protected bonds are part of your investment plan/strategy. If yes, buy. If not, don’t.
This would be painful to go thru each year for a mere $10K if you are considering them only as a short-term investment.
This would be painful to go thru each year for a mere $10K if you are considering them only as a short-term investment.
- Sat Oct 15, 2022 6:27 pm
- Forum: Investing - Theory, News & General
- Topic: Bank Interest Rates
- Replies: 1
- Views: 443
Re: Bank Interest Rates
No.
Check depositaccounts.com
Check depositaccounts.com
- Wed Sep 07, 2022 5:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Is this really how it is? Saving for Goals
- Replies: 24
- Views: 3448
Re: Is this really how it is? Saving for Goals
Supply and demand is making it challenging for buyers, especially at entry levels. Incredible what has happened. Too much money created and it’ll take more time for the rising rates and inflation to counteract the consumer impact of all of this. Housing will probably be the last to fall, and it’ll take a heavy punch to knock it down.
- Tue Jul 05, 2022 7:32 pm
- Forum: Personal Investments
- Topic: Portfolio Review - Pension Rollover?
- Replies: 6
- Views: 698
Re: Portfolio Review - Pension Rollover?
1. Roll
2. tIRA
3. Roth
2. tIRA
3. Roth
- Sun Jun 05, 2022 7:50 am
- Forum: Personal Finance (Not Investing)
- Topic: How do I upgrade house without losing FIRE status
- Replies: 33
- Views: 3963
Re: How do I upgrade house without losing FIRE status
You turn back the clock by about 3-4 years all things considered. Not that big a deal all things considered, given your age.
- Sat May 21, 2022 5:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Currently Big Law - Should I Pursue This In-House Opportunity?
- Replies: 22
- Views: 2378
Re: Currently Big Law - Should I Pursue This In-House Opportunity?
I think you’re giving up too much at this time, between salary, comforts of WFH and bonus.
I’d say tell former colleague that timing just isn’t working out and you’d be interested to check back in 90 days from now to see if the role is still available.
By that time, you may determine that you are ready to be done with Big Law regardless.
I’d say tell former colleague that timing just isn’t working out and you’d be interested to check back in 90 days from now to see if the role is still available.
By that time, you may determine that you are ready to be done with Big Law regardless.
- Thu Apr 28, 2022 10:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Account locked at Treasury Direct and cannot get through on phone
- Replies: 255
- Views: 44908
Re: Account locked at Treasury Direct and cannot get through on phone
2.5 hour wait for me. Called at 8:15am EST.
Very nice person on the line once I got thru, and quick and easy unlock
Very nice person on the line once I got thru, and quick and easy unlock
- Sat Apr 09, 2022 5:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Too late to use COBRA?
- Replies: 6
- Views: 783
Re: Too late to use COBRA?
If your employer still hasn’t provided paperwork, they should jump at your mention of that… and your ability to still sign up there should be OK. I am not sure how the coordination of benefits will work with the marketplace plan. Might be worth a shot though from the sounds of it. Assuming you can’t cancel your marketplace coverage, once billing time comes if you have both… the key is if your COBRA coverage will be primary.
- Sat Mar 12, 2022 5:59 pm
- Forum: Personal Investments
- Topic: Portfolio / Finance Checkup
- Replies: 7
- Views: 1053
Re: Portfolio / Finance Checkup
With that income, regardless of some of the omitted details yes you are fine to retire within 30 years u less your expenses are completely outrageous.
No need to slow down on on investing. Focus on that self employment income stream.
No need to slow down on on investing. Focus on that self employment income stream.
- Sun Feb 27, 2022 1:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Are we going to be OK financially if we buy a $1-1.2m house in Phoenix metro area?
- Replies: 40
- Views: 4725
Re: Are we going to be OK financially if we buy a $1-1.2m house in Phoenix metro area?
What’s the story with the land?
- Sun Jan 30, 2022 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Help - I think we bought the wrong house
- Replies: 17
- Views: 3875
Re: Help - I think we bought the wrong house
Sounds like a lot of work, and that you aren’t too torn up about letting it go at this point.
I’d find what you want, sell, and move on
I’d find what you want, sell, and move on
- Sun Jan 16, 2022 6:07 am
- Forum: Personal Finance (Not Investing)
- Topic: First time buyers - how much home can we afford?
- Replies: 8
- Views: 1499
Re: First time buyers - how much home can we afford?
With stable jobs, cash saved, (presumably) nice pensions, 529s funded adequately… yes you are fine at 700K or 800K. Get what you want and enjoy it for a long time.
- Wed Jan 12, 2022 11:07 am
- Forum: Personal Finance (Not Investing)
- Topic: Employer 401k contribution taken back after 5 years of leaving the employer.
- Replies: 62
- Views: 7181
Re: Employer 401k contribution taken back after 5 years of leaving the employer.
This is accuratelostinjersey wrote: ↑Wed Jan 12, 2022 10:21 am Many plans permit nonvested amounts to remain in an employee’s account for 5 years after they leave - in order to simplify administration if they are rehired.
Forfeiting the nonvested balance is then done after the 5 year mark has passed.
This is standard practice. Nothing unusual at all.
- Tue Jan 11, 2022 11:23 am
- Forum: Personal Investments
- Topic: Portfolio Review / Input Please
- Replies: 6
- Views: 1235
Re: Portfolio Review / Input Please
You appear to be in great shape, assuming SocSec is in play. Is that the case?
You’ll be looking at $2.5M+ in all likelihood at age 62. Solid standing to cover expenses and have some fun in retirement!
You’ll be looking at $2.5M+ in all likelihood at age 62. Solid standing to cover expenses and have some fun in retirement!
- Sun Jan 09, 2022 4:32 pm
- Forum: Personal Investments
- Topic: Advice for investing $100k
- Replies: 6
- Views: 1222
Re: Advice for investing $100k
VOO - $25K per month for 4 months
- Sun Jan 09, 2022 4:10 pm
- Forum: Personal Investments
- Topic: Portfolio Review - 5 Year Update
- Replies: 3
- Views: 872
Re: Portfolio Review - 5 Year Update
It’s been five years since my last portfolio review. Reference Post: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=208103 Age: Her 37 Him 36 Yearly Expenses: 80k Household Income: 280k Savings Goal Per Year: 40% Residence: MO Desired Allocation: 90% Stocks 10% Bonds Current Allocation: 90% Stocks, (80% US, 10% Int.) 5% REIT, 5% US Bonds Desired Retirement Age: 55 Debt: Mortgage - 2.75% 10 Years Remain - $141k Equity: $255,000 Vehicle - 2.49% 3 Years Remain - $17k Emergency Fund: $35k Total – 10 Months $22.5k I Bonds $12.5k Money Market Crypto: 30k His HSA - $12k Vanguard 500 Index Admiral Shares - .04% Expense Ratio His 401k – $397k Vanguard INST Index - .035% Expense Ratio Vanguard Extended INST Index - .05% Vanguard TTL INTL S...
- Tue Dec 14, 2021 11:52 am
- Forum: Personal Investments
- Topic: Portfolio Review: Simplify Holdings + Transitioning From Two Incomes to One?
- Replies: 6
- Views: 768
Re: Portfolio Review: Simplify Holdings + Transitioning From Two Incomes to One?
You are doing very well - congrats. Dropping to 1 income is sensitive and personal. Only you know best. What is the split between you and spouse on the $400K HHI? Easier to pull the trigger if it’s lopsided, but you do have a serious mortgage. For the foreseeable future, employees have the advantage so I would not be hesitant to make demands of current employer, or drop out entirely if it’s better for your family to have a stay at home parent. Doesn’t have to be a forever decision. Never too early to refinance IMO… especially with an $800K mortgage. This will likely be the most valuable move you make, of all the items you are pondering. My portfolio resembles yours, and every time I sit down to look at breaking the Target Funds… I determine...
- Fri Dec 03, 2021 11:42 am
- Forum: Personal Investments
- Topic: Portfolio Review Request.: Warning, Hot Mess Ahead :)
- Replies: 20
- Views: 3492
Re: Portfolio Review Request.: Warning, Hot Mess Ahead :)
A few things that might be helpful in order to provide more guidance:
1) provide total % of portfolio, for each account. For example, in H&H brokerage is it 3% or 8%. Hard to tell as of now.
2) for any taxable item, and especially inheritance, can you list the amount that is taxable if sold?
1) provide total % of portfolio, for each account. For example, in H&H brokerage is it 3% or 8%. Hard to tell as of now.
2) for any taxable item, and especially inheritance, can you list the amount that is taxable if sold?
- Thu Dec 02, 2021 3:07 am
- Forum: Personal Investments
- Topic: Portfolio Review/(60/40-LTT or Inflation Hedged Bonds?)
- Replies: 18
- Views: 2582
Re: Portfolio Review/(60/40)
Looks solid.
8 funds is probably unnecessary, but appears to accomplish your goals and address your concerns (and we don’t know the CG standing of each fund anyway, in order to suggest otherwise)
8 funds is probably unnecessary, but appears to accomplish your goals and address your concerns (and we don’t know the CG standing of each fund anyway, in order to suggest otherwise)
- Sat Nov 13, 2021 9:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Refinance Mega Thread
- Replies: 12862
- Views: 1277090
Re: Refinance Mega Thread
Current Condo value: ~210k Loan amount: $177,512 (02/01/2020) Current balance: $165,372 Interest rate: 3.75% Monthly P+I: $822.09/mo Refinance InterFirst Loan amount: $169,500 (incl. closing costs = $3519 [J]) 15yr interest rate: 2.115% 15yr monthly P+I: $1099.75/mo https://imgur.com/nAN8mig Are these numbers good? I only plan to stay at this condo for about 3 years, however. I am planning to proceed Monday, can someone please confirm. Break even calculators are telling me I will benefit. I am just curious if the closing costs are good. Better was quoting a higher rate and that with points It's seems pretty solid for not doing the whole application match game. Quick payback for you even at that closing cost. If you are pretty sure about 3 ...
- Sat Nov 13, 2021 4:42 am
- Forum: Personal Investments
- Topic: Made Disasterous Non-Boglehead Mistake How to Start Over??
- Replies: 51
- Views: 8449
Re: Made Disasterous Non-Boglehead Mistake How to Start Over??
Make a plan to move it back in over a 2 year period, for example. (Obviously this has hit you hard and it lingers, so suggesting a full lump sum back in is probably unrealistic)
- Sat Nov 13, 2021 4:41 am
- Forum: Personal Investments
- Topic: Mother's portfolio - advice requested
- Replies: 20
- Views: 2287
Re: Mother's portfolio - advice requested
Yes, those fees are silly and unnecessary.
Does your mom need the money? If so, when? Are you and siblings directly included in the money or is this just inheritance preservation? What is your mother’s income/tax rate(s)?
She likely can’t avoid taxes if you move funds, but the cost might not be so bad depending on the rest of the facts.
Does your mom need the money? If so, when? Are you and siblings directly included in the money or is this just inheritance preservation? What is your mother’s income/tax rate(s)?
She likely can’t avoid taxes if you move funds, but the cost might not be so bad depending on the rest of the facts.
- Fri Oct 22, 2021 6:28 am
- Forum: Personal Investments
- Topic: Portfolio Review Request
- Replies: 8
- Views: 1310
Re: Portfolio Review Request
Looks very strong, and simple.
Is your $5M target excluding house? Do you plan to move and/or lessen house cost as you approach retirement (or goal)?
Is your $5M target excluding house? Do you plan to move and/or lessen house cost as you approach retirement (or goal)?
- Sun Oct 10, 2021 9:31 am
- Forum: Personal Investments
- Topic: Am I on the right track?
- Replies: 25
- Views: 2396
Re: Am I on the right track?
So you’ll collectively retire with around $2.5M and $52k/yr social security, and desire to use about $140K/yr in retirement. You’re in good shape. If you run into any issues it’ll be waaaay down the line, or otherwise if you go too crazy on spending.
- Thu Oct 07, 2021 3:20 am
- Forum: Personal Finance (Not Investing)
- Topic: Sanity check - new house purchase
- Replies: 8
- Views: 1129
Re: Sanity check - new house purchase
I’d suggest going for the 30 year mortgage, and pay it off more quickly (or refi entirely) as things progress.
If you can qualify on new purchase w/o needing to sell existing place simultaneously, do so. A much more enjoyable move experience. It doesn’t sound like you are in any danger of screwing up the cap gains exemption.
I would not rent the old place, but personal choice there. I prefer to keep it simple especially with 3 young kids.
If you can qualify on new purchase w/o needing to sell existing place simultaneously, do so. A much more enjoyable move experience. It doesn’t sound like you are in any danger of screwing up the cap gains exemption.
I would not rent the old place, but personal choice there. I prefer to keep it simple especially with 3 young kids.
- Thu Oct 07, 2021 3:00 am
- Forum: Personal Investments
- Topic: Where Do I Go From Here - Asset Location [2022 Update]
- Replies: 590
- Views: 85411
Re: Where Do I Go From Here - Update 4 - Learning More; Drafting Investment Plan
It has been an exhilarating 3 weeks since joining. I have learned so much my 🤯. I’ve taken the time the past week or so to educate myself on the wiki and with some of the On Investing and other commenter recommended podcasts. I also commented up a storm but will be easing up on that now a bit. People here have been so friendly, helpful, fun, knowledgeable, encouraging and patient. Even the ones who weren’t- and especially the one who asked me where the rest of my money got to that I only had $1.8 mil (and a portfolio of only $1.2 mil) despite being a long time reasonably high earner - I learned a lot from. I’d say that is the comment I learned the most from, so thank you, commenter. My latest? -I opened a tIRA (my first IRA ever) w Fidelit...
- Thu Oct 07, 2021 2:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Anxiety over home purchase - Am I buying too much house?
- Replies: 113
- Views: 12607
Re: Anxiety over home purchase - Am I buying too much house?
I’d suggest you’re fine to move forward. $700K loan on $300K income… and another $650K in combined savings beyond that…only on Bogleheads would that be of grave concern. Nice that SC is a low property tax state too.
I would advise that this is a lot of house for another 4 years or so until the kid(s) fill it up, but new build so interior and structural maintenance should be super light.
I would advise that this is a lot of house for another 4 years or so until the kid(s) fill it up, but new build so interior and structural maintenance should be super light.
- Sun Sep 19, 2021 1:23 am
- Forum: Personal Investments
- Topic: Where Do I Go From Here - Asset Location [2022 Update]
- Replies: 590
- Views: 85411
Re: Where Do I Go From Here
Great expense control. You are racking up the cash with a good job.
Start a taxable account if you are comfortable, investing in equity index fund(s).
Ride your current situation for another 5 years (or more) and retire in style.
Start a taxable account if you are comfortable, investing in equity index fund(s).
Ride your current situation for another 5 years (or more) and retire in style.
- Fri Sep 17, 2021 7:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you get a raise before being fired?
- Replies: 47
- Views: 7618
Re: Do you get a raise before being fired?
If your lunch mate is correct, this would be the first time in the history of management that this exercise was done. Ignore her.
- Fri Sep 10, 2021 4:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: New job - sign on bonus discussions
- Replies: 6
- Views: 969
Re: New job - sign on bonus discussions
If it’s a job you want, go with #1.
Ask yourself if option #3 is worth risking losing the offer. My hunch is it’s likely not going to change your world and therefore not worth the risk.
If you are on the fence with accepting at all, then swing for it all with #3.
Ask yourself if option #3 is worth risking losing the offer. My hunch is it’s likely not going to change your world and therefore not worth the risk.
If you are on the fence with accepting at all, then swing for it all with #3.
- Sat Aug 28, 2021 7:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Thoughts on a potential home purchase in a HCOL market?
- Replies: 25
- Views: 3312
Re: Thoughts on a potential home purchase in a HCOL market?
After reallocating existing equity, you are looking at $1.2M on $0.5M annual income, and plenty in taxable to attack with. Seems fine to me.
- Thu Aug 26, 2021 5:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ex-employer is giving me the run around to issue W2C
- Replies: 7
- Views: 1314
Re: Ex-employer is giving me the run around to issue W2C
I have been involved with this before - on the inside and with ADP - it’s a disaster but even still should not last more than 1 month from the time the amounts are agreed upon/submitted.
- Fri Aug 20, 2021 5:28 am
- Forum: Personal Investments
- Topic: At 47, is this the right mix for my 401(k)
- Replies: 95
- Views: 9775
Re: At 47, is this the right mix for my 401(k)
You could simplify the listed holdings with a 90/10 or 80/20 mix of VINIX/FAGIX
Clearly, 100K in an individual stock has big risk, big reward potential. Common advice here would be to move out of that into something more diverse, but be mindful of tax impact as you do so.
Clearly, 100K in an individual stock has big risk, big reward potential. Common advice here would be to move out of that into something more diverse, but be mindful of tax impact as you do so.
- Thu Aug 19, 2021 4:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Severance Pay
- Replies: 16
- Views: 3171
Re: Severance Pay
Not a severance package
- Wed Aug 18, 2021 7:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I stay or should I go? (return to office)
- Replies: 26
- Views: 4422
Re: Should I stay or should I go? (return to office)
I’d stick it out. Don’t factor the pension insolvency too heavily… incredibly unlikely anything bad will happen to it to cut your benefit. Also, they’ll probably send you back to work from home by mid-Nov once virus season kicks up. Give it until end of 2021 and if it’s simply awful then throw in the towel.
- Thu Aug 12, 2021 8:35 pm
- Forum: Personal Investments
- Topic: Terminated Pension Plan Eliminating Lump Sum?
- Replies: 7
- Views: 1489
Re: Terminated Pension Plan Eliminating Lump Sum?
Lump sum will remain.
Yes, they’ll purchase annuities (i.e., transfer their liability to an insurer) after the initial elections come in and get processed, but that doesn’t mean that future options of payment will only be annuities.
Participants will make their distribution elections… and many will choose a lump sum. The remaining participants - those already receiving an annuity, those that choose an annuity to start ‘now’, and those that defer their choice - will then deal with the winning bidder/financial firm for future payout. Both annuity and lump sum should be a future option if that is what the plan offers now.
Yes, they’ll purchase annuities (i.e., transfer their liability to an insurer) after the initial elections come in and get processed, but that doesn’t mean that future options of payment will only be annuities.
Participants will make their distribution elections… and many will choose a lump sum. The remaining participants - those already receiving an annuity, those that choose an annuity to start ‘now’, and those that defer their choice - will then deal with the winning bidder/financial firm for future payout. Both annuity and lump sum should be a future option if that is what the plan offers now.
- Sat Aug 07, 2021 3:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: New job offer
- Replies: 6
- Views: 1439
Re: New job offer
Of course take it
- Sat Aug 07, 2021 6:04 am
- Forum: Personal Investments
- Topic: 1 year with Bogleheads Portfolio Review
- Replies: 11
- Views: 2298
Re: 1 year with Bogleheads Portfolio Review
1. Definitely consolidate. Sell if this would better align with your desired investment mix. It appears that this would be proper in your case but not critical. More than anything… consolidate all of those brokerage accounts to one house. Makes me anxious just reading it
2. How much in gains are you dealing with?
3. My opinion… you are doing great on savings as laid out. Make sure you enjoy life/money as the next priority. If you are doing that and still have leftover… invest it.
4. Yes and yes (to the extent that she wants to invest more after TSP)
5. Consider 529 if tax breaks worthwhile and if it fits for you. We started one pre-kids and I have never regretted.
Where did you get that refi rate? I have a similar balance… thanks.
2. How much in gains are you dealing with?
3. My opinion… you are doing great on savings as laid out. Make sure you enjoy life/money as the next priority. If you are doing that and still have leftover… invest it.
4. Yes and yes (to the extent that she wants to invest more after TSP)
5. Consider 529 if tax breaks worthwhile and if it fits for you. We started one pre-kids and I have never regretted.
Where did you get that refi rate? I have a similar balance… thanks.
- Fri Aug 06, 2021 11:11 am
- Forum: Personal Finance (Not Investing)
- Topic: Offered Severance Pkg.-Need advice.
- Replies: 42
- Views: 10370
Re: Offered Severance Pkg.-Need advice.
I think they screwed up your 403b contribution, not you. Likely they should not have taken a deduction (and no match either, but you knew that). If this was a rare event for them (your lump sum severance) then I’m not surprised.
Their risk though, not yours, so push back only if you want that cash in the bank.
Too bad it ended on a sour note, but 2 months from now you will barely remember and you’ll be enjoying your next phase.
Their risk though, not yours, so push back only if you want that cash in the bank.
Too bad it ended on a sour note, but 2 months from now you will barely remember and you’ll be enjoying your next phase.
- Fri Aug 06, 2021 10:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I Retire Today?
- Replies: 96
- Views: 16429
Re: Can I Retire Today?
Yes. Enjoy your time.
- Tue Aug 03, 2021 8:14 am
- Forum: Personal Investments
- Topic: Advice on complicated retirement plan
- Replies: 21
- Views: 3547
Re: Advice on complicated retirement plan
You are in good shape. You can basically live on your salary alone, plus pension and soc sec, until death. Your husbands income is savings/spending/fun money.
Enjoy it and don’t stress.
Enjoy it and don’t stress.
- Sun Aug 01, 2021 3:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Job offer: bird in hand, two in the bush?
- Replies: 22
- Views: 2949
Re: Job offer: bird in hand, two in the bush?
Accept #1 in order to lock in your exit from Current Co.
Continue with interview process for #2. If offered #2, take #2 and tell #1 sorry but something else has come up.
Continue with interview process for #2. If offered #2, take #2 and tell #1 sorry but something else has come up.
- Wed Jul 21, 2021 5:52 am
- Forum: Personal Investments
- Topic: Portfolio review
- Replies: 14
- Views: 1947
Re: Portfolio review
I think you’re doing great. 529s are heavily funded but it’s a high class problem to have.
One thing that stands out IMO is… you are in 32% bracket and have plenty of savings and plenty more to come… max the 401k.
You have some cash held but also note no bonds. I think this a reasonable trade off and wouldn’t dwell on it too much.
One thing that stands out IMO is… you are in 32% bracket and have plenty of savings and plenty more to come… max the 401k.
You have some cash held but also note no bonds. I think this a reasonable trade off and wouldn’t dwell on it too much.
- Wed Jun 30, 2021 4:33 am
- Forum: Personal Finance (Not Investing)
- Topic: New Job Offer Advice
- Replies: 16
- Views: 2209
Re: New Job Offer Advice
Take the job. If current Co offers you a big old raise/promotion to stay, then consider it at that point. On the surface though, this a big jump for your career and something that you desire. You are 35 and at a prime time to go for the big time.
- Wed Jun 30, 2021 4:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Is this job offer ruined?
- Replies: 134
- Views: 19429
Re: Is this job offer ruined?
Doubtful that they will just cut you off completely. They might come back and say 0% is the best they can do. At that point evaluate your interest in the job change. It sounds like you want the job so don’t let 10% sway you.