Search found 38 matches

by consciousoverride
Wed Sep 21, 2016 5:18 pm
Forum: Forum Issues and Administration
Topic: Proposal - create a public Slack channel
Replies: 4
Views: 3532

Proposal - create a public Slack channel

I think there could be value in creating a boglehead public slack channel. Has anyone considered this?
by consciousoverride
Wed Sep 23, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans - During or After Residency?
Replies: 9
Views: 1059

Re: Refinance Student Loans - During or After Residency?

So I did the entire online in-residence loan application with linkcapital.com from the link on whitecoatinvestor.com. The loan application process was incredibly tedious and at the end of it all the rate that was offered was 6.1X as opposed to the current 6.55. Not nearly as low as the supposed rates being offered in the article. I even included my income (not as a cosignee) in the application, so the in-residence annual income was over 200k. I'm kind of shocked at what a waste of time that turned out to be.

I guess I will try some other companies in June once she graduates. I'm hoping for something in the 3.X range. ¯\_(ツ)_/¯
by consciousoverride
Mon Sep 14, 2015 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans - During or After Residency?
Replies: 9
Views: 1059

Re: Refinance Student Loans - During or After Residency?

texaspapas wrote:You should contact the companies you're interested in and see what they say.

I'm betting you'll get a much better rate after she's graduated and has that first "attending paycheck" in hand.
That's what I was assuming: that the rate is better once employed. That is 8 months from now though, so 8 months at 6.7% versus whatever rate a resident would get. ¯\_(ツ)_/¯

I'm going to do as you said and give them a call later this week. I'll report back.
by consciousoverride
Sun Sep 13, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans - During or After Residency?
Replies: 9
Views: 1059

Re: Refinance Student Loans - During or After Residency?

awval999 wrote:The private companies like SoFi and DRB won't refinance while she's in residency anyway. They want to see pay stubs and tax records. So you don't have to worry about this decision right now because she wouldn't qualify right now anyway.

What triggered my question is the fact that, apparently, they now offer refinancing while in residency.

http://whitecoatinvestor.com/new-player ... financing/
by consciousoverride
Sun Sep 13, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans - During or After Residency?
Replies: 9
Views: 1059

Refinance Student Loans - During or After Residency?

My wife is in her last year of residency and I'm attempting to discern whether we wait till she is out of residency to refinance her high interest rate student loans or if we attempt to do so today. It wasn't till very recently that I even knew there was a viable option for refinancing. They are currently at 6.7% and we're doing IBR.

Is there any benefit to waiting, lower interest rate or something?
by consciousoverride
Sun Sep 06, 2015 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where to register an LLC for a rental Property
Replies: 3
Views: 790

Re: Where to register an LLC for a rental Property

Set up your LLC in the state in which your property exists. Otherwise, you will pay more in state filing fees. Setting up the LLC in another state will just require you to file another return in that state thereby costing you more in fees. Here's a great podcast on this very thing:

http://www.noradarealestate.com/blog/as ... s-podcast/
by consciousoverride
Sun Aug 23, 2015 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Buying rental property in your hood
Replies: 8
Views: 1995

Re: Buying rental property in your hood

I'm also exploring potential investment properties. From what I've read thus far significant effort should be placed on "making your money going in". Never buy for appreciation, it amounts to speculation. If you just happen to live down the street from a significantly undervalued property then all the better, but proximity to current residence should not be a highly valued metric. Best of luck.
by consciousoverride
Tue Apr 21, 2015 1:06 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate different personal asset protection methods?
Replies: 4
Views: 767

Re: How to evaluate different personal asset protection meth

The umbrella is the most important from what I've read on the topic. If at all possible moving more of your savings into tax sheltered accounts. Obviously, employee sponsored and the subsequent rollovers are a better bet from an asset protection point of view. Mega-roth-backdoor or the like would help get more of those earnings into protected and tax sheltered accounts. I've always been curious if there's any benefit in having a vehicle registered to the LLC (for your properties)? If the property values are less than your personal assets than perhaps that would limit their ability to come after you directly? A few hours of diligent consultation with a specialist, at a flat rate, might be worth the peace of mind. Let us know what if anything...
by consciousoverride
Fri Feb 27, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1198

Re: Inheritance Tax Question

Thanks for clearing that up. I was under the impression we would have to claim the inheritance as income. I've never looked into this sort of thing before.

I find it refreshing that the federal limits are relatively high and few states have any inheritance tax of any sort. My wife will save significant interest charges by paying off a small portion of her loans with this inheritance. I'm sure he'd be happy knowing that.
by consciousoverride
Fri Feb 27, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1198

Inheritance Tax Question

My wife's uncle recently passed and apparently he's willed a percentage of the proceeds from the sale of his estate. They're being hush about what that amount could be. I'm guessing it will be somewhere as low as 10k to as high as 50k. Since we're planning to put the entirety of it towards her loans I was wondering if it would be possible to avoid some taxes by the executor of the will, or whomever, pay the inheritance towards the loans directly.

From a tax perspective would that at all make a difference?
by consciousoverride
Sat Feb 21, 2015 1:43 am
Forum: Investing - Theory, News & General
Topic: Retirement Distribution Formula - Based on Happiness Science
Replies: 1
Views: 627

Retirement Distribution Formula - Based on Happiness Science

Thanks to a few brave economists we have a rough formula for determining the amount of annual income needed to no longer have it impact our happiness in any meaningful way. We can basically determine the happiness to dollar ratio based on current understandings of happiness. http://pages.ucsd.edu/~aronatas/Kahneman%20et%20al%20Would%20You%20Be%20Happier%20Science-2006.pdf It's not a huge surprise that the amount of impact on ones happiness provided per annual dollar decreases as annual income increases. That one millionth dollar is not going to impact ones happiness the same as that first dollar. There's a certain point where your finances no longer meaningfully impact your human "needs". So my question is, are there any investmen...
by consciousoverride
Sat Feb 21, 2015 12:57 am
Forum: Investing - Theory, News & General
Topic: Correlations Between Human Population and Market Cap?
Replies: 1
Views: 553

Correlations Between Human Population and Market Cap?

I'm curious if any studies have been performed on the potential relation between human population and average market capitalization of companies? That is, to what extent - if any - does population growth and decline globally as well as in a particular region impact company market capitalization in that region. Controlling, obviously, for other variables related to the dynamics of specific sectors (easier said than done). Does a growth in population effect both the amount of companies as well as their average size in near equal proportion or are the head count of companies increasing disproportionally to new company creation, as a result of population growth? Is there any utility in using sound estimates of assumed change in general populati...
by consciousoverride
Fri Oct 10, 2014 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid tax on sale of home?
Replies: 10
Views: 1351

Re: How to avoid tax on sale of home?

Thanks guys. Geez, perhaps it's time to give some of these old books away.

It looks like under to new rules I don't get hit. I haven't been in this house for two years, but the prorated policy applies as the move is job related.
by consciousoverride
Fri Oct 10, 2014 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid tax on sale of home?
Replies: 10
Views: 1351

How to avoid tax on sale of home?

Hi All,

I am selling my house in CT and moving to Seattle. Going back to apartment living for a couple years. Knowing that I wont be purchasing another home how can I avoid paying taxes on the sale of my existing home?

I'm selling for more than I paid but once I include all the renovations it's at a loss of what will likely be 20k. Is there a way to claim that? I don't have receipts for much of the work.

I know that if you purchase another residence within a year then you don't have to pay taxes. Would an airstream qualify? lol, I've always wanted one anyway.
by consciousoverride
Mon Mar 03, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes Help
Replies: 4
Views: 570

Re: Taxes Help

kenyan wrote:It's actually MAGI-based, not AGI-based. IRA contributions do not lower your MAGI (they lower your AGI, but are then added back in to your AGI to get to your MAGI).
So yeah then I'm screwed. This will be the first year I owe taxes. I fell off the boglehead wagon in 2013, bought a house and too many things for it. Time to get back on the wagon and stop the bleeding. Never stop attending the boglehead meetings. Once a spending addict always an addict. :(
by consciousoverride
Mon Mar 03, 2014 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes Help
Replies: 4
Views: 570

Taxes Help

Hey All,

I'm attempting to lower our AGI in order to qualify for the Lifetime Learner Credit ($2k). The limit for that credit is $127,000 for married filling jointly. We're at approximately $143k AGI. It would be really nice to get it low enough to allow for that tax credit. If we were somehow able to contribute the max to both of our IRAs (like if I sold my car or something ridiculous) that would put us at $132k. Still 5k too high for the credit. Any interesting ways of rolling some of that income over into 2014 (we might make less AGI in '14)? Any other ideas for lowering our 2013 AGI (legal only)?
by consciousoverride
Tue Dec 31, 2013 12:57 am
Forum: Personal Investments
Topic: Help - Pension or 403b(with match)?
Replies: 1
Views: 313

Help - Pension or 403b(with match)?

Hey Bogleheads! My wife and I recently relocated for her work and I just started a new position. The employer offers a choice between a pension plan and a 403b. I'm attempting to determine under what circumstances one is better than the other. :confused My pre-calculation assumption is the pension becomes a more profitable choice as years in retirement increases. Pension (5 year 'vest'/minimum) ---------- 1.5% of 1'st 42k = $630 1.4% of 42,001 - 77k = $490 1.3% over 77k = (salary - 77k) X .013 --------------------------------------------- Annual distribution at 65= ( Total x YEARS_ON_JOB ) 403b ---------- Fully vested day 1 5% of salary core contribution 100% match up to 5% of salary Assuming 5 years at this position, raises at a meager 3% ...
by consciousoverride
Tue Jan 08, 2013 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: salary allocation advice
Replies: 12
Views: 1787

Re: salary allocation advice

Caution .... If you take out a 401 k loan and subsequently leave employment with that employer for any reason ( quit, terminated etc.), the loan must be repaid fully or it is deemed to be a distribution, and subject to the rules for that, ie taxable and potentially subject to the early distribution penalty. Well I know I'm likely leaving this job in 6 months time so I guess that 401k loan trickery isn't well suited in this case. Too bad, I thought that was a smart little hack. Perhaps once a house is purchased and a new job started I can throw a huge percentage of my paycheck at the 401k and live in temporary self-induced destitution. I really hate paying more taxes than I have to. :annoyed I've begun my annual ebay selling of infrequently...
by consciousoverride
Tue Jan 08, 2013 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: salary allocation advice
Replies: 12
Views: 1787

Re: salary allocation advice

athrone wrote:Max out your 401k so you don't lose the tax advantaged space for that year, then take out a 401k loan and pay off the car.
Interesting idea. What would be the fees associated with doing this? I'm somewhat worried that my saving isn't enough for a downpayment of 20%. It might be a stretch to fully pay off the car loan as well as get my savings where it needs to be. :(

I don't have a 401k match, just some worthless stock options to make up for that fact. ;) I likely won't even exercise them when I leave.
by consciousoverride
Mon Jan 07, 2013 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: salary allocation advice
Replies: 12
Views: 1787

Re: salary allocation advice

I would suggest getting rid of the car loan in preference to maxing out the retirement plans. Paying down the car loan is a 5.25% return, risk-free and tax-free; you can't earn that in the 401(k) without a lot of risk. Investments returned 18% in 2012, granted that's no indication of future returns. I'm 70/25/5 domestic, international, bonds. It's depressing to operate under the assumption that the market will return < 5.25%. That's probably the right decision though. What about the higher taxes in 2013 thanks to less pre-tax contributions? How's this sound: - stop retirement investments (no 401k match anyway) - pay down/off loan - save remainder towards housing/emergency savings I'm absolutely doing a 15yr fixed with 20% down. We'll have ...
by consciousoverride
Mon Jan 07, 2013 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: salary allocation advice
Replies: 12
Views: 1787

salary allocation advice

I'm trying to determine how to allocate my income for the remaining six months before moving for my wife's podiatry residency (yet unknown locale). In 2012 I maxed out my 401k and rollover IRA while only paying 15% over the minimum on my car loan (5.25%). Considering the markets move upwards that proved to be a wise choice. It's VERY likely I will be taking a $30k+ pay cut as a result of moving out of the bay area. Depending on where we move we may purchase a small townhouse; so long as it's cost effective. With that in mind should I be putting money towards a down payment, more towards the car loan (improved credit score), or continue funneling 22k pre-tax into tax sheltered accounts at the expense of house savings and vehicle loan? Annual...
by consciousoverride
Sun May 20, 2012 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Resident Physician - need of major help.
Replies: 75
Views: 12315

Re: Resident Physician - need of major help.

In addition to the great book recommendations by Dr. Bernstein, there are quite a few government loan consolidation programs available. I would pay off the high interest rate student loans in that one year, then consolidate the others. You may be able to receive a better interest rate with a consolidated loan, if not it might still make managing them easier.

http://www.loanconsolidation.ed.gov/
by consciousoverride
Thu May 10, 2012 4:43 pm
Forum: Investing - Theory, News & General
Topic: Are there any Ex-Bogleheads?
Replies: 110
Views: 12309

Re: Are there any Ex-Bogleheads?

hoops777 wrote:Well said investor1.There are other ways to invest.Sometimes I get the impression that many Bogleheads believe it is impossible to do better than the index funds over time.There are millions of investors who have no idea what a boglehead is and I guarantee you they are not all underperforming the market.Anyway I do not want to start an argument again so I am not posting again on this topic.
I'm sure a small percentage of that small percentage are alpha because of intelligence, proper analysis, so on. What I have a problem with is assuming anyone knows ahead of time which investor is the lucky one and which one is the intelligent one.
by consciousoverride
Thu May 10, 2012 3:09 pm
Forum: Investing - Theory, News & General
Topic: Are there any Ex-Bogleheads?
Replies: 110
Views: 12309

Re: Are there any Ex-Bogleheads?

hoops777 wrote:Believe it or not there are many very successful investors who invest in individual stocks and will not touch an index fund.Seeking Alpha has a lot of very smart people who would be the anti-boglehead so to speak.A small pct.of people who are very talented at researching and picking stocks get much higher returns than index funds provide.The vast majority of people of course should not attempt that route.
That small pct of successful people will always exist. Just as a small percentage of the time you can flip heads 5+ times in a row. You may just be fooled by randomness. Sometimes it takes a few years for people to blow up and revert to the mean.
by consciousoverride
Mon May 07, 2012 8:12 pm
Forum: Personal Investments
Topic: Young noobie
Replies: 3
Views: 491

Re: Young noobie

I don't really understand the "finance" terminology such as equity and the likes but I am willing to learn. However, I don't learn well by reading. I like to see examples which makes this particularly tough for me. I don't think you can get there without being open to reading. If you enjoy examples then you might want to check out "The Four Pillars of Investing" which gives examples and presents hard numbers with reference to research from Bogle and others. The videos are nice but they make the most sense after reading something with some depth. I would follow that book with "The Bogleheads Guide to Investing", which could be considered the practical guide to some of the earlier publications. The books are ava...
by consciousoverride
Mon May 07, 2012 7:50 pm
Forum: Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 15449

Re: Are 20 something's screwed bc of inflation and little/no

Perhaps the most important guidance of this and similar forums (if any) is that the past and present are uncertain guides to the future. Or as my dear departed mother would say, don't cry before you're hurt. Anything can happen between now and 2042, when our mortgage will be paid off as I turn 104. In the meantime, my sweetheart of 50+ years and I will continue to look after each other and others as best we can, live below our means, make prudent arrangements for the future, and enjoy life. Hope you do the same. "And the night shall be filled with music, and the cares that infest the day, shall fold their tents like the Arabs, and as silently steal away.' --Henry Wadsworth Longfellow I love the great advice in this thread. As someone ...
by consciousoverride
Wed May 02, 2012 4:33 pm
Forum: Investing - Theory, News & General
Topic: Index popularity bad for avg index returns?
Replies: 4
Views: 793

Index popularity bad for avg index returns?

I'm sure this isn't a new question, but I haven't a clue what search terms to use to find relevant threads. Is there a negative correlation between the popularity of index funds and the return of index funds? Does a certain portion of the success rely on there being enough traders in the market speculating on individual stocks? Also, if a fund gets large enough to significantly influence stock price. Couldn't one buy stocks based on the upcoming addition of the stock to popular index funds? Considering index funds seem to have clear rules on when a stock is added and removed, it would seem there is an opportunity to buy when expecting a N% increase in stock ownership. Total layman here so feel free to point out the flaws in the most brutal ...
by consciousoverride
Wed May 02, 2012 12:58 am
Forum: Personal Consumer Issues
Topic: Another Facebook Concern
Replies: 72
Views: 7569

Re: Another Facebook Concern

Just as I was feeling smug about staying away from Facebook, I came across this article, What Online Social Networks May Know About Non-Members "Our investigation made clear the potential social networks have for inferring information about non-members. The results are also astonishing because they are based on mere contact data," emphasises Prof. Hamprecht. The really scary part is as follows: ...users of social networks, i.e. persons with a posted user profile who agreed to the given privacy terms. "Non-members, however, have no such agreement... Nice. :twisted: Victoria Geez, great! I personally don't use FB for privacy reasons. My coworker told me that he recently received a friend request from his drug dealer! His bad p...
by consciousoverride
Wed May 02, 2012 12:38 am
Forum: Personal Finance (Not Investing)
Topic: leaving a job
Replies: 14
Views: 2150

Re: leaving a job

itypefast wrote:I've been in IT for about 20 years. Turning 40 this year... right now I'm vastly over-employed and with the current bubble blowing in technology I don't see that changing in the next few years.

I work full time for an investment bank and currently have two side-projects. Suffice it to say I could literally bill 24 hours per day 365 days per year with a bill rate ranging from $150 to $200 per hour.

In fact I'm slacking off just posting this... 8-)

Go on.... :shock:
by consciousoverride
Tue May 01, 2012 10:02 pm
Forum: Investing - Theory, News & General
Topic: Facebook IPO May 18th
Replies: 16
Views: 1952

Re: Facebook IPO May 18th

Aside from the historical data pointing to it being a bad idea, in this case I can't help but think of the increasing speed at which existing tech companies are being disrupted. RIM is all but deceased, HW manufacturers are following in the footsteps of IBM (services), myspace (killed by FB), etc. Disruptive innovation isn't news to the people at Facebook but that doesn't mean they will be successful in competing when the paradigm shift does occur. They don't have mobile locked down by any sort of the imagination. What happens if page views on mobile over take those of personal computers? Merely as a fictional example: Google Goggles combined with Google+ ,and the acquisition of something like foursquare, could be enough to cause younger us...
by consciousoverride
Tue May 01, 2012 9:36 pm
Forum: Investing - Theory, News & General
Topic: Facebook IPO May 18th
Replies: 16
Views: 1952

Re: Facebook IPO May 18th

Relatively new to this board and so I still have quite a few of the bogle scriptures fresh in my mind. This is the excerpt I immediately thought of: "My advice is that you should not buy IPOs at their initial offering price and that you should NEVER buy an IPO just after it begins trading at prices that are generally higher than the IPO price. Historically, IPOs have been a bad deal. In measuring all IPOs five years after their initial issuance, researchers have found that IPOs under perform the total stock market by about 4 percentage points per year. The poor performance starts about six months after the issue is sold. Six months is generally set as the "lockup" period, where insiders are prohibited from selling a stock to ...
by consciousoverride
Fri Apr 27, 2012 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House in SF
Replies: 82
Views: 8099

Re: Buying a House in SF

East Bay resident here, I rent for a meager 1400 a month. If I was single I would have a roommate and stuff away an even larger percentage of my paycheck. I would do the math and determine how many years you would have to live in the purchased SF home before breaking even compared to renting a comparable unit. Include that HOA in your calculations, which I like to compare to pissing your money away (into the wind). Purchasing a home is an incredibly emotional decision and as a result people often neglect the math to verify it's financially sensible. I doubt the SF market is going to cool down; but with the high taxes, state entitlement problems, and net loss in CA population it's not what it once was. Google, Apple, Facebook are all opening...
by consciousoverride
Fri Apr 27, 2012 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: To pay off the house
Replies: 7
Views: 1429

Re: To pay off the house

Doesn't sound like the math would be too hard. Calculate the interest saved by paying off the house and compare that to the (tax hit + the lost opportunity costs). The mortgage tax deductions should most likely be taken into account. Interested to see what you come up with.
by consciousoverride
Fri Apr 27, 2012 1:22 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1560565

Re: What Book Are You Currently Reading? Part V

hsv_climber wrote:Bryson: The Life and Times of the Thunderbolt Kid: A Memoir
Great book! The dad and his random exercises are hilarious. The entire time I was reading it I kept relating the young Bryson to the character in "The Christmas Story". I guess I had few sources of information to draw from for that era. lol
by consciousoverride
Thu Apr 26, 2012 1:35 am
Forum: Personal Consumer Issues
Topic: career hedging
Replies: 9
Views: 1937

Re: career hedging

29 in tech, I can't imagine doing this in my 40's. At some point I want to come home and not read a tech book. Interested in where this thread goes.
by consciousoverride
Wed Apr 25, 2012 11:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1560565

Re: What Book Are You Currently Reading? Part V

Thanks guys, I added a few to my amazon wish list as a result of this thread. I always have a few going: - Almost done with "The Lean Startup". Filled with great advice regardless of how mature the business is. Metrics that matter and the customer feedback loop are especially useful. Along with the constant reminder to not build crap that no one wants! ;) - Almost done with "Early Retirement Extreme", I really like the writing style. If saving and retirement were a knob, then this book is all about turning it all the way. - Half way through "Thinking Fast and Slow", it's an incredibly interesting book that seems to always increase my creativity when reading it. - Just began reading "Fooled by Randomness: T...
by consciousoverride
Wed Apr 18, 2012 2:20 am
Forum: Personal Investments
Topic: Saying Hi
Replies: 4
Views: 890

Re: Saying Hi

pkcrafter wrote:I just wanted to check this:
I've setup direct deposit so I can max out my contribution amount to all three for 2012.
I'm sure you are aware that you cannot add 5k to an IRA and a Roth.
Didn't realize that, though I vaguely remember reading that at some point. Never came close to contributing enough to worry about it. I guess this is one of those first world problems. The forums are already proving useful, thanks. ;) I believe I'll just contribute the full amount to the rollover IRA for the tax deduction. I'll look into opening a taxable account for a subset of the assets; one of the tax friendly index funds.
by consciousoverride
Mon Apr 16, 2012 7:17 pm
Forum: Personal Investments
Topic: Saying Hi
Replies: 4
Views: 890

Saying Hi

Hi Bogleheads! I'm new to the forum and to the "boglehead" strategies. I registered after coming across "The Bogleheads Guide to Investing" at BN by chance. I just thought I would drop in and say hi while I continue to educate myself for an eventual post asking for AA assistance. I started this journey approximately three years ago after fighting CC debt and determining that I must be doing it wrong. I started with basic personal finance books like "The Millionaire Next Door", and "The Automatic Millionaire". I also read money.cnn.com, getrichslowly.com, etc. At the time it was just about climbing out of debt onto solid financial ground. I started investing in my companies 401k up to the 3% match. Ini...