Search found 232 matches

by BrownEyedGirl_27
Sun Jan 05, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Met my number. Now what?
Replies: 46
Views: 9916

Re: Met my number. Now what?

Congrats OP on reaching your number! It sounds like you have been successful in life and have a reason to celebrate. Seriously, go out with your wife and grown kids and enjoy a fancy dinner. Or “let loose” in a small way to celebrate in a way that makes sense for you. It’s OK to feel guilty about ha...
by BrownEyedGirl_27
Fri Jan 03, 2020 10:20 am
Forum: Personal Investments
Topic: Sister wants advice since I disagreed with her financial advisers.
Replies: 141
Views: 14025

Re: Sister wants advice since I disagreed with her financial advisers.

call rick ferri a well known author and advisor to give you a plan and then you can set up the investments with vanguard with income at that level you gotta learn how to invest on your own or it will cost you dearly by making mistakes do not use advisors who charge an aum fee; use an hourly advisor...
by BrownEyedGirl_27
Thu Jan 02, 2020 8:09 am
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 11126

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

I set up a transfer to contribute to my account at 6 pm. Woohoo 🎉
by BrownEyedGirl_27
Tue Dec 31, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5298

Re: To what do you owe your ability to forego spending now and save for your future?

My parents and my in-laws. They are frugal, generous, smart and use their fun money to spend vacation time with extended family. We are doing our best to become wise stewards of our wealth because of how they lived and continue to live.
by BrownEyedGirl_27
Tue Dec 31, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11394

Re: How much were you able to save this year?

Married, 11 kids, 10 years into 2nd career (read as much lower paying jobs with better lifestyle) 51% saved (Roth, req. pension payment, includes house principal and paying off some zero interest medical debt, etc.). Next year (and the next 22) may not be as good ...we start paying for college. We ...
by BrownEyedGirl_27
Tue Dec 31, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12550

Re: How do you spend $$ on yourself?

I buy myself something nice that I’ve been thinking about for awhile for my birthday and Christmas. It could be a nice outfit, a leather purse, etc. I never pay full price though. No guilt when I know I’ll love and have quality items for a long time. :happy
by BrownEyedGirl_27
Tue Dec 31, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11394

Re: How much were you able to save this year?

Congrats OP on saving 40%! You did great this year. Amazing what simple habits can do to change the trajectory of the future. Ages 26 and 27: $62,000 dual-income this year (gross) $7,300: 401ks, Roth 401ks + employer match $12,000: Roth IRAs $3,500: Taxable account $5,000 Giving/Tithing or 10% of ne...
by BrownEyedGirl_27
Mon Dec 30, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4776

Re: Skiing

I tried skiing for the first time and took a beginner lesson. I am pretty sure they gave me 158cm rental skis. It was great and I was ready to try the blue square runs next time. I was also poised to buy some ski equipment. But the next time I went back they gave me 166cm skis. They said 166 is the...
by BrownEyedGirl_27
Mon Dec 30, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Am I spending to much on furnishing my new home?
Replies: 53
Views: 3986

Re: Am I spending to much on furnishing my new home?

When I bought my first home I spen money on living room furniture. I acquired the rest over time. As I could afford nicer things like dishes, silverware, etc I would buy on sale. Rethink if everything needs to be new. Maybe invest in a nice couch and dining room table if you're going to do entertai...
by BrownEyedGirl_27
Sun Dec 29, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6250
Views: 1423021

Re: What Movie Have You Recently Watched?

Diehard on Movies Anywhere. Apparently it's a Christmas movie... Similar to the movie Speed, highly recommended! Learned a few ways to stay safe if for some reason I'm ever in a hostage situation. Haha.
by BrownEyedGirl_27
Sun Dec 29, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Best holiday gift you gave this year
Replies: 40
Views: 3419

Re: Best holiday gift you gave this year

LEGO Ninjago City Docks set for my hubby. He was so happy to receive his gift! :happy

Also I'm gifting future me with a maxed Roth IRA contribution in a couple days. We're saving up for hubby's contribution over the next several months!
by BrownEyedGirl_27
Sat Dec 28, 2019 9:00 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

campy2010 wrote: Sat Dec 28, 2019 7:41 pm I turned 40 this year and was hoping to see my investment balances hit $500k before turning 41. It seemed like a stretch goal because my net worth was less than $400k this time last year. This week, I made it with a month to spare.
Congrats! Thanks for sharing. :moneybag
by BrownEyedGirl_27
Sat Dec 28, 2019 7:58 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

This week my husband and I (ages 26 and 27) just hit 30k in our total retirement savings (401ks, taxable account and our Roth IRAs). We have now reached a net worth of 50k (not counting the value of our cars that were given as gifts, we don't own a home). The first week of January 2020 I plan to ad...
by BrownEyedGirl_27
Sat Dec 28, 2019 6:13 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

This week my husband and I (ages 26 and 27) just hit 30k in our total retirement savings (401ks, taxable account and our Roth IRAs). We have now reached a net worth of 50k (not counting the value of our cars that were given as gifts, we don't own a home). The first week of January 2020 I plan to ad...
by BrownEyedGirl_27
Tue Dec 24, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: 26 years old - How am I doing?
Replies: 40
Views: 4533

Re: 26 years old - How am I doing?

Congrats OP on your achievements, sounds like you’re doing great. One thing: do you have a checking account? You don’t mention it here but I would put some money in that to pay for your future rent costs. Just keep 2-3 months worth of it so you’re not surprised at the beginning of the month and have...
by BrownEyedGirl_27
Sat Dec 21, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit cards to get with no current credit score and websites to track credit score?
Replies: 35
Views: 1309

Re: Best credit cards to get with no current credit score and websites to track credit score?

You might look at Capital One's website for CCs, great company to work with. They have a feature where you can input your name, age, SSN and income so you can see if you would qualify for it and what your APR would be. They'll give you one of three APRs depending on your creditworthiness, so you kn...
by BrownEyedGirl_27
Sat Dec 21, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Best credit cards to get with no current credit score and websites to track credit score?
Replies: 35
Views: 1309

Re: Best credit cards to get with no current credit score and websites to track credit score?

You might look at Capital One's website for CCs, great company to work with. They have a feature where you can input your name, age, SSN and income so you can see if you would qualify for it and what your APR would be. They'll give you one of three APRs depending on your creditworthiness, so you kno...
by BrownEyedGirl_27
Fri Dec 20, 2019 11:29 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

This week my husband and I (ages 26 and 27) just hit 30k in our total retirement savings (401ks, taxable account and our Roth IRAs). We have now reached a net worth of 50k (not counting the value of our cars that were given as gifts, we don't own a home). The first week of January 2020 I plan to ad...
by BrownEyedGirl_27
Fri Dec 20, 2019 11:27 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

Sorry I messed up the formatting on my reply, still new here!
by BrownEyedGirl_27
Fri Dec 20, 2019 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10531

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

Congrats on coming out of Dave's world! Hubby and I have graduated out of that world very recently too. I like Dave for his advice on budgeting and paying off debt but we don't have any debt. We're about where you are financially (hit 50k net worth this week and 30k total in our retirement assets), ...
by BrownEyedGirl_27
Fri Dec 20, 2019 1:08 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

limine wrote: Fri Dec 20, 2019 12:41 am My wife (33) and I (34) passed $1 million in liquid assets for the first time today! About $1.6 million net worth. Looking forward to the next one, and thanks for all the help!
Congratulations! Is this all your investments plus regular savings put together? How does it feel? 8-)
by BrownEyedGirl_27
Fri Dec 20, 2019 1:05 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2052
Views: 252086

Re: Post your Financial Milestone Announcements Here

This week my husband and I (ages 26 and 27) just hit 30k in our total retirement savings (401ks, taxable account and our Roth IRAs). We have now reached a net worth of 50k (not counting the value of our cars that were given as gifts, we don't own a home). The first week of January 2020 I plan to add...
by BrownEyedGirl_27
Wed Dec 18, 2019 11:31 am
Forum: Personal Investments
Topic: Need Help picking 401k funds
Replies: 18
Views: 1137

Re: Need Help picking 401k funds

Ok, so you can use an HSA for non-medical expenses once you hit age 65 and you can avoid the 20% penalty. You do however have to pay taxes for non-medical expenses: https://www.google.com/amp/s/www.forbes.com/sites/ashleaebeling/2013/02/01/what-if-you-use-your-health-savings-debit-card-for-take-out/...
by BrownEyedGirl_27
Wed Dec 18, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: How do I prioritize my savings and investment.
Replies: 28
Views: 4437

Re: How do I prioritize my savings and investment.

Any plan needs to be personal and actionable for you and your family to work... For example my budgeting plan is to literally (not figuratively ) live paycheck to paycheck. It easily makes sense for most people and works for me... All my bills/investments (TSP, HSA, IRA/Roth, taxable, savings) are ...
by BrownEyedGirl_27
Wed Dec 18, 2019 10:46 am
Forum: Personal Investments
Topic: Roth IRA (only $6k at moment) Should I have just one index?
Replies: 43
Views: 3196

Re: Roth IRA (only $6k at moment) Should I have just one index?

Well done. This is what I plan to do with my Roth over the long term.
by BrownEyedGirl_27
Wed Dec 18, 2019 10:34 am
Forum: Personal Investments
Topic: Any Reason to Not Use Roth IRA for House Down Payment Money?
Replies: 32
Views: 3145

Re: Any Reason to Not Use Roth IRA for House Down Payment Money?

I would leave the Roth dollars in the account and put it in stock index funds. Save a bit longer if you don't have enough down payment for the future house. The value in Roth is long-term growth and tax free withdrawals. If you take out the long-term part by withdrawing and the growth part by putti...
by BrownEyedGirl_27
Wed Dec 18, 2019 10:18 am
Forum: Personal Investments
Topic: Need Help picking 401k funds
Replies: 18
Views: 1137

Re: Need Help picking 401k funds

That’s great that you have an HSA to boot. If you are healthy and don’t need to pay for any major health expenses, enjoy the tax-free distribution once you hit age 65! It is similar to a Roth in that you can use it on any expenses in retirement, just a different age requirement. I have an old HSA fr...
by BrownEyedGirl_27
Wed Dec 18, 2019 12:50 am
Forum: Personal Investments
Topic: Spend HSA or save it?
Replies: 60
Views: 5272

Re: Spend HSA or save it?

If your medical bills are pretty small, don't spend it. I had a HDHP with an HSA for awhile and then when I moved to my hubby's insurance I was not allowed to contribute any more but my company shovels money into it at the beginning of every year. It's not a large amount or anything but it is nice k...
by BrownEyedGirl_27
Wed Dec 18, 2019 12:42 am
Forum: Personal Investments
Topic: Roth IRA (only $6k at moment) Should I have just one index?
Replies: 43
Views: 3196

Re: Roth IRA (only $6k at moment) Should I have just one index?

Leave it as is. I have 6k in my Roth too and 6k in my husband's Roth, I put everything in Vanguard Total Stock Market, but your way is fine too. Since I'm just building mine up I plan to eventually branch out the older I get but I am content just letting it sit and do its thing.
by BrownEyedGirl_27
Wed Dec 18, 2019 12:36 am
Forum: Personal Investments
Topic: Whats the most gross expense ratio you would consider when buying a mutual fund?
Replies: 73
Views: 6267

Re: Whats the most gross expense ratio you would consider when buying a mutual fund?

I would stick with the much lower expense ratio. Why pay more to an actively managed fund when you can manage your own funds and come out better in the long term with fewer fees? The fees will eat through a hefty investment. Also consider that a 3-year time span is barely anything and that looking a...
by BrownEyedGirl_27
Wed Dec 18, 2019 12:24 am
Forum: Personal Investments
Topic: Need Help picking 401k funds
Replies: 18
Views: 1137

Re: Need Help picking 401k funds

I'd go for the iShares .10 expense ratio option 100%. They really did throw in some crappy funds! How much do you have in the Fidelity 401k? A .05 expense ratio is great, maybe just keep it there or if you want to simplify and have a single 401k, roll it over to your new one. Sounds like you're on t...