Search found 232 matches

by BrownEyedGirl_27
Wed Feb 12, 2020 6:06 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252105

Re: Post your Financial Milestone Announcements Here

Also reducing my commute time from 1h 20min to 15min! A massive improvement for me :D Congrats :D 15 minute commute is awesome... I have a 15 minute commute too... it's the best perk :sharebeer Congrats! Having a tiny commute is a huge blessing...I used to drive for 1 h a day and I've cut it down t...
by BrownEyedGirl_27
Wed Feb 12, 2020 6:02 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252105

Re: 1 Million Milestone

Hi all. Long time member, infrequent poster. Wanted to share a milestone that my family hit, in large part thanks to this board's help. I've been checking our retirement accounts every few months or so and yesterday I noticed we crossed the 1 million threshold in our combined retirement accounts in...
by BrownEyedGirl_27
Tue Feb 11, 2020 10:47 am
Forum: Non-US Investing
Topic: Do the bogleheads think this 22 year old belgian is smart or naïve?
Replies: 26
Views: 4062

Re: Do the bogleheads think this 22 year old belgian is smart or naïve?

Hello Bogleheads! I am a 22 year old belgian who is planning to start his journey to FIRE I would mean the world to me if you can help me evaulate my lifeplan :) some details on me: 70+% savings rate (and happy with this frugal lifestyle) planning to reach the retirement age within 10-15 working ye...
by BrownEyedGirl_27
Mon Feb 10, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32210

Re: What is the best concert you ever witnessed?

U2 Songs of Innocence Tour, May 2015 at The Forum in LA. I loved the energy of the show and the emotions I felt hearing their music live for the first time.
by BrownEyedGirl_27
Sun Feb 09, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyers using funds in a Roth IRA for a down payment?
Replies: 29
Views: 1989

Re: First time home buyers using funds in a Roth IRA for a down payment?

Terrible idea. Don’t do it. IRA space is valuabke. Once that money is spent you can’t put it back. Save it for retirement. Much better to save up for the down payment. Yes, this. The Roth IRA is so friggin' important in retirement, you just can't overstate it. It's much more valuable to get that ta...
by BrownEyedGirl_27
Sun Feb 09, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 109
Views: 8985

Re: What do you/did you spend your bonus on?

I normally just move the bonus to a savings account where it earns about 0.1% and keep living life as if I didn't get it. I'm a minimalist so I don't like buying stuff that I don't consider essential. If something is essential, then I guess I need to buy it regardless of whether I get the bonus. Wh...
by BrownEyedGirl_27
Sat Feb 08, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 109
Views: 8985

Re: What do you/did you spend your bonus on?

I normally just move the bonus to a savings account where it earns about 0.1% and keep living life as if I didn't get it. I'm a minimalist so I don't like buying stuff that I don't consider essential. If something is essential, then I guess I need to buy it regardless of whether I get the bonus. Wh...
by BrownEyedGirl_27
Sat Feb 08, 2020 1:31 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyers using funds in a Roth IRA for a down payment?
Replies: 29
Views: 1989

Re: First time home buyers using funds in a Roth IRA for a down payment?

Terrible idea. Don’t do it. IRA space is valuabke. Once that money is spent you can’t put it back. Save it for retirement. Much better to save up for the down payment. Yes, this. The Roth IRA is so friggin' important in retirement, you just can't overstate it. It's much more valuable to get that ta...
by BrownEyedGirl_27
Thu Feb 06, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 168
Views: 15814

Re: who do you bank with and why?

I'm happy with using a Fidelity brokerage account for pretty much all my banking needs. +1 I'm curious about the brick and mortar people that responded with BoA, Wells Fargo, Credit Union. Have you looked at the interest rate on savings? The highest I found between the three is 0.03%. Fidelity's de...
by BrownEyedGirl_27
Thu Feb 06, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 168
Views: 15814

Re: who do you bank with and why?

Update: DH and I are ditching our Chase checking account (no yield) for our local credit union because it pays 2.5% APY on balances up to 10k. Will use this for bill pay and a short term holding before putting DH’s Roth contribution in this year. Also I happened to look into my old HSA that I am no ...
by BrownEyedGirl_27
Tue Feb 04, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 168
Views: 15814

Re: who do you bank with and why?

Any reason why capital one? As mentioned, physical branch. But at the time I opened my account (~2006): free checking, free checks, high yield interest rate, other bank's atm fee reimbursement, free cashier's checks. My (old) high yield checking still has these features, except the interest rate is...
by BrownEyedGirl_27
Mon Feb 03, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: $3 million the new rule of thumb?
Replies: 653
Views: 52601

Re: $3 million the new rule of thumb?

There are several folks in this forum with over 3 million in their mid 40's who feel they still need 2 million more. Curious to hear their thoughts on this. From season two of HBO's Succession: “You can’t do anything with five, Greg,” Connor tells the hapless Greg. “Five’s a nightmare: You can’t re...
by BrownEyedGirl_27
Mon Feb 03, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: $3 million the new rule of thumb?
Replies: 653
Views: 52601

Re: $3 million the new rule of thumb?

$3 million at retirement age in 2020 sounds pretty nice, but I’m nowhere near that. It’ll be at least 2063 until we plan on retiring...the Vanguard calculator says we’d need to save about $5 million to retire comfortably on $60k a year. If we can stay the course we’ll probably enjoy our later years...
by BrownEyedGirl_27
Mon Feb 03, 2020 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 57
Views: 17375

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Any update on this thread? Seems more people are using Tiller of late, bu does cost a monthly fee. I currently use Personal Capitol and Mint but not overly impressed with the budget component. Does not seem intuitive and spreadsheets may be easier. Not sure of everyones thoughts? Haven't heard of T...
by BrownEyedGirl_27
Fri Jan 31, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best bank for holding EF and short term savings?
Replies: 40
Views: 2758

Re: Best bank for holding EF and short term savings?

tomwood wrote: Fri Jan 31, 2020 7:23 pm
BrownEyedGirl_27 wrote: Fri Jan 31, 2020 4:21 pm 1.7% APY no account minimum or fees.
That’s a pretty good account. Thanks for sharing
You're welcome Tomwood. Interest accumulates on the last day of every month.

Cheers,
Brown Eyed Girl
by BrownEyedGirl_27
Fri Jan 31, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: $3 million the new rule of thumb?
Replies: 653
Views: 52601

Re: $3 million the new rule of thumb?

$3 million at retirement age in 2020 sounds pretty nice, but I’m nowhere near that. It’ll be at least 2063 until we plan on retiring...the Vanguard calculator says we’d need to save about $5 million to retire comfortably on $60k a year. If we can stay the course we’ll probably enjoy our later years ...
by BrownEyedGirl_27
Fri Jan 31, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best bank for holding EF and short term savings?
Replies: 40
Views: 2758

Re: Best bank for holding EF and short term savings?

What bank are you with? We like Capital One. Their new 360 Performance Savings account is pretty decent. 1.7% APY no account minimum or fees. Customer service over the phone is great and the mobile app is easy to use. It’s not 2% but I still have yet to find a competing bank that offers great servic...
by BrownEyedGirl_27
Sun Jan 26, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3479

Re: Tipping advice

$50 seems like a lot but if it’s white glove delivery and they are on time and professional hey why not. I would do cash, not a gift card, though. They may want the money for groceries or something non-job related.
by BrownEyedGirl_27
Sun Jan 26, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4938

Re: Amount of cash wedding gift?

Well, that is a dilemma. I'm guessing the relative is not a child of one of your siblings - therefore, not a niece or nephew. So I would think about $100. I wouldn't do less - but $200 seems silly and $500 too much. Too bad they aren't registered - like with Macys or William Sonoma, etc. Then it be...
by BrownEyedGirl_27
Fri Jan 24, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4938

Re: Amount of cash wedding gift?

Well, that is a dilemma. I'm guessing the relative is not a child of one of your siblings - therefore, not a niece or nephew. So I would think about $100. I wouldn't do less - but $200 seems silly and $500 too much. Too bad they aren't registered - like with Macys or William Sonoma, etc. Then it be...
by BrownEyedGirl_27
Thu Jan 23, 2020 10:38 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 275
Views: 29923

Re: Biggest Investment Mistake

Marriage :shock: I'd be curious how one would view marriage as "an investment"? Perhaps the spouse is better with money, makes more, and helps with economies of scale? In my case I knew that marriage wasn't "an investment". My spouse's income was far less than mine and she came ...
by BrownEyedGirl_27
Tue Jan 21, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

I would adjust your 2020 withholding to avoid receiving a refund next year. Tax refunds are annoying. I've been on both sides of the fence, and a small refund feels better to me than any balance owed. Hmm. My hubby says he doesn’t want to owe the government money haha so he wants to keep doing what...
by BrownEyedGirl_27
Tue Jan 21, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

yangtui wrote: Tue Jan 21, 2020 7:27 pm I would adjust your 2020 withholding to avoid receiving a refund next year. Tax refunds are annoying.
Will do!
by BrownEyedGirl_27
Tue Jan 21, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

Don’t look at it as a refund look at it as I let the government have too much of my money during the year. Divide the amount by 12 and look back and what would you have done with the extra money each month? I’ll do that. Last year the refund was $600 for the two of us, so no giant amount, but I get...
by BrownEyedGirl_27
Tue Jan 21, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

Spend all the “refund” on IRA investments and feel great about it. I hate tax refunds. Ever since I understood how my stock options work and started exercising them as they vest, I’ve been unable get this right. Gonna spend some time with it this April after I fund the government some more. I am fe...
by BrownEyedGirl_27
Tue Jan 21, 2020 9:19 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 16022

Re: Why ally bank

On Reddit and on this forum quite a few people have complained about Ally’s customer service. Trouble accessing funds, trouble with deposits, lack of knowledgeable customer service reps, etc. I was seriously considering them last year but decided to go with a well known bank that doesn’t have those...
by BrownEyedGirl_27
Tue Jan 21, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

Silk McCue wrote: Tue Jan 21, 2020 7:16 pm Read your signature line and then decide what you want to do.

Cheers
Thank you. That thought was going through my head today. Sure there’s always plenty of things we WANT, but if I can make my future a little less dismal it may be good to just keep saving aggressively while I’m young (age 27).
by BrownEyedGirl_27
Tue Jan 21, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

Will spending the $100 really increase your happiness that much? And if it will, how long will it do so? Hey Willthrill, I would probably spend $50 on a Fossil watch and invest the rest. I bought my first Fossil in 2015 and I still love it. I wear it to work every day. I was thinking of getting a d...
by BrownEyedGirl_27
Tue Jan 21, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

Getting ready to do taxes this year and am considering putting my refund towards hubby’s Roth IRA contribution. Every year we’ve been married I’ve spent about $100 on a material item I really wanted. I am flip flopping a bit on fun things to buy and want you guys to tell me to just invest *nearly* ...
by BrownEyedGirl_27
Tue Jan 21, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Re: Talk me out of spending my tax refund

fyre4ce wrote: Tue Jan 21, 2020 7:25 pm What’s your overall savings rate of your gross income?
45% savings rate
by BrownEyedGirl_27
Tue Jan 21, 2020 7:12 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 16022

Re: Why ally bank

I don’t like Ally or Wells Fargo. The only online bank I like is Capital One. Their customer service is outstanding. It’s not worth switching to a slightly higher yield to a bank I don’t trust. People have been trying to answer the OP's question with what they like about Ally. I think in the intere...
by BrownEyedGirl_27
Tue Jan 21, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5470

Talk me out of spending my tax refund

Getting ready to do taxes this year and am considering putting my refund towards hubby’s Roth IRA contribution. Every year we’ve been married I’ve spent about $100 on a material item I really wanted. I am flip flopping a bit on fun things to buy and want you guys to tell me to just invest *nearly* a...
by BrownEyedGirl_27
Tue Jan 21, 2020 7:00 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 16022

Re: Why ally bank

The real question is why so many people still use brick and mortar banks earning nothing. There are a number of reasons... having the ability to make cash deposits, being able to withdraw a large amount of cash, and access to safe deposit boxes come to mind. It's surprising how little cash is used ...
by BrownEyedGirl_27
Mon Jan 20, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 334
Views: 71119

Re: What is your favorite consumer product?

Dakine backpack (going strong since 2011) Patagonia Capilene Crew base layers (long underwear) Hue boot socks and shoe liners Puma socks at Ross Born boots Michael Kors Slim Rhea Backpack Columbia Sportswear Interchange Omni-heat technology jacket Charter Club Damask Stripe 550 Thread Count Sheets, ...
by BrownEyedGirl_27
Mon Jan 20, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 334
Views: 71119

Re: What is your favorite consumer product?

Clothes (especially jeans) from Uniqlo. They don't put any branding/logos on the outside of their clothing, which is great. Have also bought work clothes (pants, dress shirts, suit) from there, and they fit me really well. Uniqlo long underwear and their men’s flannel shirts are some of the best in...
by BrownEyedGirl_27
Sun Jan 19, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 136
Views: 12855

Re: Is our spending crazy?

Dear Bogleheads, I feel like for the amount we spend we should be living in luxury. You ARE living in luxury. I am at about half your spending and I am living in luxury. If it doesn't feel like luxury that is a perception problem, not an actual problem. I have no doubt you can cut, and I believe li...
by BrownEyedGirl_27
Fri Jan 17, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14602

Re: Realized we made a major mistake and feeling really sick.

Don’t hold more than 10% of your asset allocation in company stock. You already work there and you’re betting on keeping your job, don’t put your hard earned money there. Remember the Enron disaster? Diversify, diversify!
by BrownEyedGirl_27
Fri Jan 17, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7833

Re: Which iPhone would you buy today?

You sound like me. I love smaller phones (small hands) so I got the iPhone 8 in mint condition on Swappa for $400. I highly recommend the 8 in the Product Red edition—it’s newer than the other 8s. I used to buy on FB Marketplace but I only buy on Swappa now because it is the best (and very safe). Ev...
by BrownEyedGirl_27
Wed Jan 15, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4586

Re: Critique My 2019 Spending

I’m really impressed with your low spend on clothing. For two adults and a toddler 500 is amazing. What type of job do you have that doesn’t require a big spend on clothes? I enjoy clothes but I’m learning to be more conscious about what I’m buying and how it affects the planet. I am going to start ...
by BrownEyedGirl_27
Fri Jan 10, 2020 6:03 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 12127

Re: Where do you keep your Emergency Funds? How is it invested?

More of a curiousity question... I was wondering if people keep their emergency funds within or outside of their investment accounts? If I recall, when calculating investment portfolio totals they shouldn't include your Emergency Fund amount?' If you keep your EF as an asset within an investment ac...
by BrownEyedGirl_27
Fri Jan 10, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178333

Re: What frugal thing did you do today?

I bought a bed skirt that was on a closeout sale for $30 when the original price was $85. Since I work at the store I bought it from, with my discount I got it for $13. :happy
by BrownEyedGirl_27
Wed Jan 08, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

How much more do you expect to earn in a LT CD? These rates happen to be from PenFed. The difference between 1 yr and 7 yr rates doesn't seem to justify tying up your money for so long. APY AS HIGH AS 1.90% TERM DIVIDEND RATES APY 6 Month 1.50% 1.50%** 12 Month 1.69% 1.70% 15 Month 1.69% 1.70% 18 M...
by BrownEyedGirl_27
Wed Jan 08, 2020 4:41 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252105

Re: Net Worth Milestone

Congrats! That's awesome. Best of luck to you in the New Year!
by BrownEyedGirl_27
Wed Jan 08, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

How much more do you expect to earn in a LT CD? These rates happen to be from PenFed. The difference between 1 yr and 7 yr rates doesn't seem to justify tying up your money for so long. APY AS HIGH AS 1.90% TERM DIVIDEND RATES APY 6 Month 1.50% 1.50%** 12 Month 1.69% 1.70% 15 Month 1.69% 1.70% 18 M...
by BrownEyedGirl_27
Wed Jan 08, 2020 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

How much more do you expect to earn in a LT CD? These rates happen to be from PenFed. The difference between 1 yr and 7 yr rates doesn't seem to justify tying up your money for so long. APY AS HIGH AS 1.90% TERM DIVIDEND RATES APY 6 Month 1.50% 1.50%** 12 Month 1.69% 1.70% 15 Month 1.69% 1.70% 18 M...
by BrownEyedGirl_27
Wed Jan 08, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

At 10 years out, I'd be in the market. At 3-5 years out, I'd pull some and put it in CDs. Last year CDs got you 2.3 - 2.5%. The market brought in over 30%... Thanks for your advice Rick Boglehead! I like seeing what you have to say on people's posts, and I appreciate yours here. I may take money ou...
by BrownEyedGirl_27
Tue Jan 07, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

Is it ever a good idea to put some funds (say $10,000) in a long-term CD to save up for a house down payment? We have a high yield savings account that only yields 1.7%, where we're keeping our emergency fund. We aren't looking to buy for at least 5 years (but it might be more like 10). We would wa...
by BrownEyedGirl_27
Tue Jan 07, 2020 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Re: Should I use a long-term CD to save up for a house down payment?

Is it ever a good idea to put some funds (say $10,000) in a long-term CD to save up for a house down payment? We have a high yield savings account that only yields 1.7%, where we're keeping our emergency fund. We aren't looking to buy for at least 5 years (but it might be more like 10). We would wa...
by BrownEyedGirl_27
Tue Jan 07, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a long-term CD to save up for a house down payment?
Replies: 12
Views: 827

Should I use a long-term CD to save up for a house down payment?

Is it ever a good idea to put some funds (say $10,000) in a long-term CD to save up for a house down payment? We have a high yield savings account that only yields 1.7%, where we're keeping our emergency fund. We aren't looking to buy for at least 5 years (but it might be more like 10). We would wan...
by BrownEyedGirl_27
Tue Jan 07, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5866

Re: What do you guys think about a career in insurance sales?

I just finished a master's degree in kind of a worthless program (Sport management). I had a friend of mine get me in touch with his manager that wants to call him tomorrow and talk to me about working as an insurance salesman of some sort. I am not exactly sure what it entails but I did a bit of r...