Search found 998 matches

by Ron Ronnerson
Mon Dec 10, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - prove you don't have income
Replies: 22
Views: 3057

Re: ACA - prove you don't have income

So, instead, he loaded the one document under just my name and the request for income verification dropped off for all of us a couple of weeks later. The Covered California system was unclear to us so it was good to have some hand-holding. Ron, On that one document, did you list your and your spous...
by Ron Ronnerson
Sun Dec 09, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - prove you don't have income
Replies: 22
Views: 3057

Re: ACA - prove you don't have income

We received a request for documentation of income as well in California. An agent was very helpful in navigating the process and advised us to enroll as early as possible to allow enough time to deal with whatever issues that might arise. We ended up getting a request for income verification for eac...
by Ron Ronnerson
Sun Dec 09, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4158

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I’m a teacher in the Bay Area and work 180 days. My wife is a stay-at-home parent and we have a four-year-old. We take a vacation during spring break each year. Winter breaks are spent doing stuff for the holidays and taking care of errands. During the summer, we take a vacation or two but are mostl...
by Ron Ronnerson
Mon Dec 03, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5065

Re: Older Dads - how do you plan for your own retirement while still raising kids?

My wife and I are both 44 years old and we have a four-year-old kid. I’m a public school teacher in Silicon Valley and my wife is a stay-at-home parent at this time. Our approach is to minimize expenses in order to maximize time together as a family. Basically, the less money we need to live, the le...
by Ron Ronnerson
Sun Dec 02, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5760

Re: Saving for Retirement when one has a Pension

We are in the 12% bracket and I pay 0 federal tax due to a combination of a tIRA, my pension contribution, and 403(b) space as well as the savers credit afforded based on the above. Also helps to have two kids to write off as well. ;) -TheDDC It's quite something how much taxes can go down when con...
by Ron Ronnerson
Sun Dec 02, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5760

Re: Saving for Retirement when one has a Pension

Youngsters: Save and invest 30% of after tax income regardless of your pension situation. Building up home equity (and of course your in-company pension contributions) can be counted within the 30%, though not mortgage interest or purchasing a consumable like a car. You will quickly get used to the...
by Ron Ronnerson
Thu Nov 29, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2094

Re: The "lure" of working from home vs getting a better job

Jumping ahead here, but getting a new job would most certainly require me to commute approx 45-75 mins each way. My current commute (before the shut down) was 25-30 mins, 3 days a week. Bay Area, CA traffic. ...I don't have kids, if that matters, and moving is not an option for now. Any advice? Tha...
by Ron Ronnerson
Sun Nov 25, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5611

Re: How to tax brackets work?

Ron, I would like to see the numbers if you don't mind. I get how maxing out all their 403B and 457B plus standard deductions could put them down into the 12% marginal bracket, but wouldn't their effective tax rate be somewhere higher than 0% but less than 12%. Sure. My friend and his spouse are te...
by Ron Ronnerson
Sat Nov 24, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5611

Re: How to tax brackets work?

The entire income is not taxed at the rate of the bracket one happens to be in - just the amount above the cut-off. However, deductions and credits can greatly reduce taxes owed. You asked about a married couple with an income of $165,001. It matters if this is gross income, adjusted gross income, ...
by Ron Ronnerson
Fri Nov 23, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5611

Re: How do tax brackets work?

MNGopher wrote:
Thu Nov 22, 2018 11:29 pm
Oh OK, I hadn't thought that their entire insurance premiums would have been taken out of their salary like that. Wait until they turn 50 and can do catch-ups :D
Great point! :)
by Ron Ronnerson
Thu Nov 22, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5611

Re: How to tax brackets work?

The entire income is not taxed at the rate of the bracket one happens to be in - just the amount above the cut-off. However, deductions and credits can greatly reduce taxes owed. You asked about a married couple with an income of $165,001. It matters if this is gross income, adjusted gross income, ...
by Ron Ronnerson
Thu Nov 22, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5611

Re: How to tax brackets work?

The entire income is not taxed at the rate of the bracket one happens to be in - just the amount above the cut-off. However, deductions and credits can greatly reduce taxes owed. You asked about a married couple with an income of $165,001. It matters if this is gross income, adjusted gross income, o...
by Ron Ronnerson
Sun Nov 18, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: CDCTC vs FSA
Replies: 6
Views: 404

Re: CDCTC vs FSA

The FSA cancels out the DCTC. Using the FSA, you can save federal, state, social security and Medicare payroll taxes for their Dependent Care FSA salary reductions. At $465k/year I'll pay the maximum ss tax anyway, so I won't be saving that. The federal, state & medicare I'll save on those $5K are ...
by Ron Ronnerson
Sat Nov 17, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12313

Re: How Long / Hard To Become a Millionaire on Under $100k Income

There are a number of posts about taxes. Regarding that, people's situations can vary considerably. We have a gross income of around $120k and are a family of 3. We pay $1900 in federal tax, $100 for California income tax (we're in a low bracket), nothing for social security, and around $1500 for Me...
by Ron Ronnerson
Sat Nov 17, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: New Policy again with ACA
Replies: 6
Views: 868

Re: New Policy again with ACA

We’re in California. Our options with Kaiser (who we’ve been with for a while) for a family of three with a MAGI of $64k were: Bronze (HSA): Premium: $956/month (we pay $3 and tax credit of $953) Deductible (individual/family): $6k/$12k Out-of-Pocket Max (individual/family): $6,650/$13,300 Many thin...
by Ron Ronnerson
Tue Nov 13, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 37
Views: 2935

Re: My district offers Fidelity and Vanguard for 403(b)

Let us know what she finds out. I talked to my district and they did say we could add the CalSTRS 457 plan, but it is limited and somewhat expensive. I'd rather just add Vanguard. I agree that CalSTRS 457b fees could be a bit lower but it's not terrible by any means. Vanguard Total Stock Market Fun...
by Ron Ronnerson
Mon Nov 12, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 37
Views: 2935

Re: 457 vs 403b

I’m a teacher in the Bay Area and have had a 457b for several years. I went to a retirement presentation led by our union president not too long ago. She strongly advocated low-fee stock funds to balance the fixed income expected from pensions. She went over what types of products to avoid and which...
by Ron Ronnerson
Thu Nov 01, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4434

Re: 45% increase in marketplace insurance

sawhorse wrote:
Thu Nov 01, 2018 12:58 pm
Ron Ronnerson wrote:
Thu Nov 01, 2018 12:01 pm
If you have millions of dollars set aside for health issues which may arise, self insurance might make sense.
I don't understand people who do this. If you have millions of dollars set aside for health issues, then why don't you just buy insurance?
Fair point. Maybe if you have billions?
by Ron Ronnerson
Thu Nov 01, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4434

Re: 45% increase in marketplace insurance

That is a large increase so I understand your reaction and sympathize. If you have millions of dollars set aside for health issues which may arise, self insurance might make sense. I don't get the impression that is the case, though. Depending on your particulars, there may be different ways to appr...
by Ron Ronnerson
Wed Oct 31, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks to this forum, I have not only learned a lot about brokerage bonuses, but am ready to request a retention bonus from TD Ameritrade. I have never been through this process before, so I was hoping someone could provide feedback on the following email ... or if it sounds good, perhaps other rea...
by Ron Ronnerson
Tue Oct 30, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 5
Views: 345

Re: Dependent Care FSA Question

not to be a jerk, but if your kid is going to preschool or daycare, your wife isn't a stay at home mom, she is unemployed.... Stay at home mom is someone who stays home because they would pay more to send the child to daycare vs working, or I guess a lifestyle preference.... If child is going to da...
by Ron Ronnerson
Sun Oct 28, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2333

Re: why split property tax payment with SALT limit; why itemize?

Above Line Deductions: $56k (11k toward pension, 2k for dental premiums taken from paycheck, 19k to 457b, 15k to 403b, 4k to tIRA, 4k for dependent care FSA, $1k for health FSA) Itemized Deductions for CA State Taxes: $22k (roughly 12k in mortgage interest and 10k in property taxes) Taxable Income:...
by Ron Ronnerson
Sun Oct 28, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2333

Re: why split property tax payment with SALT limit; why itemize?

...We'll be in the 6% bracket this year. Next year, our gross income should go down somewhat (maybe around $120k) but our plan is to increase retirement contributions. Our income tax liability should be around $100 for the year after deductions and exemptions (family of three people). Most of our t...
by Ron Ronnerson
Sun Oct 28, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2333

Re: why split property tax payment with SALT limit; why itemize?

We're planning to itemize on state taxes and take the standard deduction on federal. For this reason, I'm still keeping track of small stuff like vehicle property tax and small donations to Goodwill. I paid installment 1 of my property tax bill yesterday and plan to pay the 2nd installment in Decemb...
by Ron Ronnerson
Sat Oct 27, 2018 2:03 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

All [TDA] taxable accounts have since been closed. Were you enrolled in Apex, or how did they charge the transfer fees? TDA called me yesterday and said they'd be willing to offer us a bonus to bring funds back. How did the retention offer compare to Merrill Edge's offer (I know you are getting bot...
by Ron Ronnerson
Thu Oct 25, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I love this thread. It motivated me to get a opening bonus for my smallish Merril Edge taxable account and then two retention bonuses. A couple Quick questions: For those who take advantage of brokerage/ bank account bonuses 1) how much time do you find it taking to do so per month? 2) Do you have ...
by Ron Ronnerson
Thu Oct 25, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Last year, we transferred our Roth IRAs fully from Scottrade to TD Ameritrade before their merger. I also planned an account transfer from Scottrade to TDA after the merger was announced but before it actually occurred. When I mentioned it to my Scottrade office manager, he initiated a generous ret...
by Ron Ronnerson
Tue Oct 23, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

You came here for suggestions to cut about 1000$/month from expenses. People give you suggestions. Your budget has some obvious low hanging fruit. Nothing remotely extreme. You complain they are too extreme for you and you don't actually want to do it. Sorry, but I don't think you've got this right...
by Ron Ronnerson
Tue Oct 23, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

As previously mentioned, start with your variable costs. Cleaning - with your wife at home, cut this, save $1,440/yr Internet/Cable - cut the cord? (Hulu/Youtube Tv = $40, snag internet for $60, Netflix $10?) something like this would shave $60/mo saving $720/yr Dining - you should cut this in half...
by Ron Ronnerson
Tue Oct 23, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

We had a cat that threw up a lot, too. And she had a preference for chewing on plastic and EATING it. Someone suggested she might have a sensitivity to grain and fillers in the cat food, so we tried a multitude of cat food brands until we found one that she liked, and which reduced the yakking. Bes...
by Ron Ronnerson
Tue Oct 23, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Personally, I wouldn't hesitate to spend down from your Roth/savings in this scenario, especially if it will only last for 2-3 years, since your net savings are still substantial. Essentially what you are doing is a Roth "de-conversion". The net effect is moving money from Roth to tax-deferred. The...
by Ron Ronnerson
Tue Oct 23, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Our Expenses (monthly): House Cleaning: $120 – done every 3 weeks Cable/Internet: $160 Gas for cars: $200 Groceries/Household Items: $1,000 Restaurants: $200 Pets: $80 (cats are on a special diet due to sensitive stomachs) As previously mentioned, start with your variable costs. Cleaning - with you...
by Ron Ronnerson
Tue Oct 23, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Also, don't forget, that expenses may arise that aren't included in this budget. For example, do you spend on gifts or holidays or is that considered under Entertainment? What if an appliance needed repair or replacement? What if the HOA increased the dues? Although these may be paid from your emer...
by Ron Ronnerson
Tue Oct 23, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Our Expenses (monthly): House Cleaning: $120 – done every 3 weeks Cable/Internet: $160 Gas for cars: $200 Groceries/Household Items: $1,000 Restaurants: $200 Pets: $80 (cats are on a special diet due to sensitive stomachs) As previously mentioned, start with your variable costs. Cleaning - with you...
by Ron Ronnerson
Tue Oct 23, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

OP here again. Any thoughts on accessing savings or Roth IRA contributions or getting a loan? Some more information: While our MAGI for next year has to be below $64k for health insurance purposes, I'll be contributing over $30k to retirement accounts in 2019 (to 457b, 403b, and IRAs) plus $11k in ...
by Ron Ronnerson
Tue Oct 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

"Our situation requires us to keep our income below a certain level so please bear with me as I explain the details. • Family of three – ages: 44, 44, and 4 • I’m a tenured teacher in the Bay Area and my wife will be (mostly) staying home with our daughter until she goes to 1st grade in a couple of...
by Ron Ronnerson
Tue Oct 23, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

gclancer wrote:
Tue Oct 23, 2018 11:43 am
finite_difference wrote:
Mon Oct 22, 2018 7:54 pm
Cut expenses by $5k/year and then spend $5k/year from savings. You are a tenured teacher so you are unlikely to lose your job, and when your wife starts working again you can rebuild your savings.
+1
This seems like a reasonable way to go about it. Thanks.
by Ron Ronnerson
Tue Oct 23, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

"Our situation requires us to keep our income below a certain level so please bear with me as I explain the details. • Family of three – ages: 44, 44, and 4 • I’m a tenured teacher in the Bay Area and my wife will be (mostly) staying home with our daughter until she goes to 1st grade in a couple of...
by Ron Ronnerson
Tue Oct 23, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Spend down from your 50k in cash over the next 2 years and then rebuild the balance if you so desire once your wife rejoins the workforce. It’s not even spending above your means, think of it as shifting a portion of your taxable assets to tax advantaged accounts (because that’s exactly what your d...
by Ron Ronnerson
Tue Oct 23, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

I appreciate the comments about the cable bill being too high. I had called around over the summer to get quotes for Internet + streaming and didn't find that the savings would be as much as some people are saying they could be. I will renew my efforts and look into it again. Thanks very much. I wo...
by Ron Ronnerson
Tue Oct 23, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Spend down from your 50k in cash over the next 2 years and then rebuild the balance if you so desire once your wife rejoins the workforce. It’s not even spending above your means, think of it as shifting a portion of your taxable assets to tax advantaged accounts (because that’s exactly what your d...
by Ron Ronnerson
Tue Oct 23, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

Regarding the TV/Internet service, we switched to YouTubeTV last year, and while the total savings is only about 1/3 of our original bill (~$105/month vs, $160/month), YTTV is ORDERS OF MAGNITUDE better than the cable box it replaced. Yes, we are missing some channels. So what. There is no shortage...
by Ron Ronnerson
Tue Oct 23, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

This looks like the case where someone can afford the health insurance, either through the employer or an individual policy, but would rather play games to cut his income in half. While phrased a bit harshly, this is actually a pretty accurate summation of the situation. Yes, the plan is to game th...
by Ron Ronnerson
Tue Oct 23, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

As I stated above, I think it is perfectly reasonable to temporarily reduce your savings rate for this period to a still-healthy rate. Since you framed it as a cash flow problem, people are treating it as an exercise in cutting expenses. Nothing wrong with that, but I don't think it's particularly ...
by Ron Ronnerson
Tue Oct 23, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

"We have a four bedroom/four bathroom home on three floors." For 2 adults and a child, this is a lot of house. I'd consider downsizing. Could you rent out your home and find a cheaper, smaller place to rent yourselves as a test? Our house is 2150 sq. feet and is larger than we really need. However,...
by Ron Ronnerson
Mon Oct 22, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

I appreciate the comments about the cable bill being too high. I had called around over the summer to get quotes for Internet + streaming and didn't find that the savings would be as much as some people are saying they could be. I will renew my efforts and look into it again. Thanks very much.
by Ron Ronnerson
Mon Oct 22, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

I am all for people trying to find ways to live more economically. But, I am a bit surprised at the level of what seems like judgement, and draconian cuts being suggested. Perhaps some of it is due to how the question is phrased. Imagine if the question had been phrased as: I earn $120k/yr., our ex...
by Ron Ronnerson
Mon Oct 22, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

The grocery plus restaurant bill is awfully high for your 64k target even for BA. Also cleaning 120$? With a stay at home wife and 64k of income? Cats have sensitive stomachs? Haha... Other than that I don't see what else you can cut. Union dues maybe? I see your point about the grocery bill and wi...
by Ron Ronnerson
Mon Oct 22, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5292

Re: 2019 Expenses > 2019 Income – Help us close the gap

This looks like the case where someone can afford the health insurance, either through the employer or an individual policy, but would rather play games to cut his income in half. I'll bet your employer stopped paying for the insurance in lieu of giving you more money to cover it. All I will add is...