Search found 28 matches

by Dirty Jacket
Sun May 14, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with wife's student loans
Replies: 26
Views: 4018

Re: Help with wife's student loans

I realize this is an older thread, but I think it would've been optimal for his wife to attempt to enroll in nursing school. It's easier to get into than PA school, and it's much cheaper. The schedule is flexible, and she could make a bigger impact on her debt. RN and PA are unrelated fields with d...
by Dirty Jacket
Sun May 14, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 26
Views: 4357

Re: Trying to pay off student loans

Navient is horrible, horrible company. Exceedingly dishonest. Extremely sloppy. Their incompetence motivated me to completely pay off my solitary non-consolidated loan off with them as a priority. I did so with my signing bonus and couldn't be happier that I will never have to deal with those idiots...
by Dirty Jacket
Sun May 14, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 24
Views: 3290

Re: Refinance student loan to Earnest?

I refinanced $273,532.67 of student loan debt with SoFi @ 4.615% fixed for 10 years with goals of paying off in 6 years. I had the opposite experience, SoFi was very easy to work with and Earnest was exceedingly painful. I've never refinanced out of SoFi, but plan on looking into it just to see if t...
by Dirty Jacket
Sun May 14, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with wife's student loans
Replies: 26
Views: 4018

Re: Help with wife's student loans

I realize this is an older thread, but I think it would've been optimal for his wife to attempt to enroll in nursing school. It's easier to get into than PA school, and it's much cheaper. The schedule is flexible, and she could make a bigger impact on her debt. RN and PA are unrelated fields with d...
by Dirty Jacket
Sun May 14, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with wife's student loans
Replies: 26
Views: 4018

Re: Help with wife's student loans

I would have held off on the marriage. Without being morbid, I would say that given that the average marriage has a 50% chance of failure (and being that you are a young doctor in training where it is much higher) I would do whatever possible to incur as little of the obligation as possible in the ...
by Dirty Jacket
Sat Mar 18, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 7200

Re: Looking for a snazzy car

I haven't seen anyone mention the BMW 2 series. It has won tons of awards and the 228i by all accounts is a blast to drive. Not sure your budget for this, but the M235i/240i and M2 are class leaders in terms of performance. The M2 in particular has been raining in accolades. But again, the 228i pack...
by Dirty Jacket
Fri Mar 17, 2017 7:48 pm
Forum: Personal Investments
Topic: Investment Help for 30 year old maxing out retirement accounts
Replies: 2
Views: 702

Re: Investment Help for 30 year old maxing out retirement accounts

Bumping this for you as I am interested in the responses and advice for your situation. Kudos by the way.
by Dirty Jacket
Wed Jan 04, 2017 8:38 pm
Forum: Personal Investments
Topic: Question regarding tIRA vs rIRA
Replies: 2
Views: 280

Question regarding tIRA vs rIRA

I am having a difficult time grasping if I should be funding a tIRA or rIRA. My income is $345,000, my wife stays at home to raise our child. We both have traditional IRA accounts through Vanguard. One of my co-workers has a roth IRA. His income is more or less the same as mine. I thought my income ...
by Dirty Jacket
Wed Dec 28, 2016 10:26 pm
Forum: Personal Investments
Topic: Simple question regarding Spousal IRA
Replies: 10
Views: 983

Re: Simple question regarding Spousal IRA

I am setting up my wife's (stay at home mom) spousal IRA. It's a traditional IRA. Do I contribute with after tax money and then get tax deductions at the end of the year, or is there a way to contribute pre-tax dollars? Would this be a deductible Trad IRA for her? You contribute to her account from...
by Dirty Jacket
Wed Dec 28, 2016 10:19 pm
Forum: Personal Investments
Topic: Simple question regarding Spousal IRA
Replies: 10
Views: 983

Simple question regarding Spousal IRA

I am setting up my wife's (stay at home mom) spousal IRA. It's a traditional IRA. Do I contribute with after tax money and then get tax deductions at the end of the year, or is there a way to contribute pre-tax dollars?
by Dirty Jacket
Sun Aug 21, 2016 9:54 pm
Forum: Personal Investments
Topic: Seeking advice on investment accounts
Replies: 3
Views: 599

Re: Seeking advice on investment accounts

Thank you for the response.

Aside from an IRA, are there other tax-advantaged accounts for my wife that I am overlooking?
by Dirty Jacket
Sun Aug 21, 2016 8:54 pm
Forum: Personal Investments
Topic: Seeking advice on investment accounts
Replies: 3
Views: 599

Seeking advice on investment accounts

Hi all, I have a few simple questions. My wife stays at home to raise our toddler daughter. I have a 403b through my work. A 529 for our daughter. A HSA. With money left over, what should I do for my wife (IRA?), and beyond that, where should overflow funds go for retirement savings (i.e. preferred ...
by Dirty Jacket
Fri Oct 16, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Home: Buy vs Rent?
Replies: 3
Views: 870

Home: Buy vs Rent?

Team: I am set to graduate from a surgical residency in June 2016. I have signed on with a group in a large city and will have a guaranteed salary for two years after which I'll enter into a production model (my plan is to enter in after year one if I am productive). My wife and I are trying to dete...
by Dirty Jacket
Mon Feb 27, 2012 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buy? Rent? Save? Help!
Replies: 10
Views: 1331

Re: Buy? Rent? Save? Help!

Thanks for the responses. I was leaning 90% towards renting, I posted and kind of forgot about this thread. My wife and I discussed it last week and we're on the same page regarding the topic. We're going to rent. All of the points you guys have made are what we brought up, glad to see it's the cons...
by Dirty Jacket
Fri Feb 17, 2012 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buy? Rent? Save? Help!
Replies: 10
Views: 1331

Buy? Rent? Save? Help!

(moved) Hello all, I've introduced myself many months ago and have since gone into hibernation (read: general surgery residency). I'm 28. I am a first year resident ($47,000/yr pretax --> $3200/mo). I get a 3-4,000 raise next year. My med school debt is around $210,000 last I checked. I am currently...
by Dirty Jacket
Fri Feb 17, 2012 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 16406

Re: Found $100 Bill at Walmart

This exact scenario happened to me when I was 12 years old (28 now) at a grocery store. Told my mom, we took it to the manager who held it for 30 days. After 3 weeks they called me and said I could have it. Pretty sweet!
by Dirty Jacket
Tue Jun 07, 2011 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Med School Loan Interest in Forbearance vs. Roth IRA
Replies: 26
Views: 3283

This topic makes my tummy hurt :oops: Just graduated med school myself, my wife is in grad school with no income, we are renting in a big city, so money will be tight...oh, and there's the $190K in loans (majority at 6.8% / ~18K at 8.5% / 5K @ 9.7%) to start paying back in a few months. Not sure how...
by Dirty Jacket
Mon Jun 06, 2011 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Good email account
Replies: 45
Views: 6172

Gmail x bajillion. I love Gmail. 99.99% of people are impressed with their basic interface, when you actually dig in and customize it, it is that much more impressive. The entire Google suite is incredible and saves me so much time.
by Dirty Jacket
Fri Apr 22, 2011 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mens Dress Shirts for those who are Frugal?
Replies: 128
Views: 66113

The power move here is to monitor Dillard's for their end of season sales. Wait til it gets to the 50% of sales price (the week after it will be 70% and all will be gone). I've successfully managed to get some very sharp fitted shirts over the last 3 years with this. This year I was able to snag 2 H...
by Dirty Jacket
Mon Apr 18, 2011 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Help with W-4 (new employer)
Replies: 5
Views: 841

Help with W-4 (new employer)

Hello, I am finally graduating from med school in two weeks. I am filling out my W-4 form for my residency position which starts in July '11. I have had jobs all my life, but never a "real" job that pays the bills and what not -- just jobs in high school and college that gave me money to b...
by Dirty Jacket
Sun Apr 03, 2011 11:25 pm
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

So I should talk to my fiance about placing $5,000 into her Roth for 2010 -- basically moving 5K from her savings to the Roth?
by Dirty Jacket
Sun Apr 03, 2011 11:24 pm
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

Wow, thanks for the great great feedback and advice. I am not counting on making $475K my first year out, although I did poll chief residents on the interview trail on what they'd be doing next year, and of the ones forgoing a fellowship and going straight into private practice, no one gave me a fig...
by Dirty Jacket
Fri Apr 01, 2011 3:57 pm
Forum: Investing - Theory, News & General
Topic: Help me get started (medical)
Replies: 34
Views: 8753

public medical schools are often much cheaper... First off, good luck getting into medical school. It's hard just to get your foot into the door. However, if you do have a choice, I'd like to add a contrarian view. Yes public medical schools are generally much cheaper. And often times, it probably ...
by Dirty Jacket
Fri Apr 01, 2011 10:47 am
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

MrMiyagi,

Thanks for the thoughtful response. Glad to hear from someone who understands exactly the position I am in right now. Not quite going into ortho...the other bone... 8)

Do you have any other suggestions about anything money related for me?
by Dirty Jacket
Thu Mar 31, 2011 11:40 pm
Forum: Personal Consumer Issues
Topic: Low carb or low fat
Replies: 127
Views: 19000

If your goal is to lose weight, cutting carbohydrates, especially low glycemic index carbohydrates is the most efficient dieting method. It is also healthier. INCREASING your fat intake will also help. Carbohydrates cause an insulin spike. Insulin is a growth hormone and promotes fat storage. Increa...
by Dirty Jacket
Thu Mar 31, 2011 11:32 pm
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

Definitely not counting on anything, and that's why I personally am in favor of living like poor people and maxing out our tax advantaged vehicles. I've had a job from the age of 12 through college. Recently I've wished I had a job my last few months in med school as my schedule has been really ligh...
by Dirty Jacket
Thu Mar 31, 2011 10:45 pm
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

Haha. She's an RN/BSN now. Going to get her Masters in Nurse Practitioner...median salary here is $85K here
by Dirty Jacket
Thu Mar 31, 2011 9:53 pm
Forum: Personal Investments
Topic: New to investing, new to making money, seeking some advice
Replies: 19
Views: 2923

New to investing, new to making money, seeking some advice

Good evening all, I have been lurking the site for quite some time now, and finally decided to make an account so that I could get you guys' advice. Background: I am 27 years old, about to graduate medical school in a few weeks, will be getting married in two months, and will starting residency in t...