Search results

Didn't see a 2023 thread. Filed my taxes (FreeTaxUSA) on Wednesday, and the refund was processed by Friday as I show a pending deposit at my CU this morning. :dance: Less than a 3 day turn around by the IRS. I think that's a record for me, my filing was delayed a few days until I got home...

Beginning this year happy and healthy and full of gratitude. I'm grateful for your collective wisdom and the community here and for the tireless work the Mods do to make this the most civil place on the internet! Happy New Year! FLSunFIRE

I'll be giving my nephews a copy of the Simple Path to Wealth for Christmas (I was going to wait till graduation but my sister said "do it now!") and want to put a note in with the book. I'd appreciate any suggestions... this is my start: This book may not be the most exciting gift you’ll...

Healthcare.gov has posted plans for 2024 for those that use it. My HDHP EPO went up by 7.3% from 2023* -haven't dug too deep in any other changes. Looks like the deductible and max OOP rose by about $100 as well. *Rate increase only. Since I'm a year older my payment will go up by 12.3%...

I'm happy and healthy but dealing with an issue that is causing me some anxiety and am starting to get into a negative feedback loop that I think I may need a little help to work through. -Not easy for a self-sufficient DIY person like me. Has anyone used and had any success with the online...

My DQOTD: I have a small non-deductible tIRA that I re-characterized in the year of investment due to a big cap gains hit while I was still working and think I'm going to go ahead and convert it to a Roth this year before it grows more and while I've got very low income. Is there any reason I...

I'm thinking of getting an electric scooter for days when it's a bit too hot to ride my bike or walk without getting too gross. It will also come in handy on road trips for getting around where parking is scarce/exploring a wider area. Unfortunately, there are so many brands/models and I...

Not something I am worried about but advertising is insane on commercial solutions. I just found out my County now offers alerts to any documents filed under your name which would tip you off to potential fraudulent activity. Thought some here might be interested -worth checking your county to...

I'll have a little 1099 income from my bike tours and I'd like to put it into my Roth IRA but not sure the amount I can contribute. To keep the math easy assume: $1000 Gross Earned $150 Self-Employment taxes due Is my contribution limited to my gross ($1,000), Gross less employee portion of...

I'm trying to help/prod my parents (P1 is receptive and forthcoming if not highly motivated) to get their affairs in order. I'm the sibling most willing and "qualified" to do the administrative work and it will be no doubt the worst time of my life so I want to make it as easy on future me as...

Just got my renewal from USAA and it's a 20% jump (mostly driven by injury liability). A bit unexpected and enough to motivate me to shop around (not happy as I have my HO/Umbrella with them and would like to stay in the family). It's been >20 years since I last had my auto policy with someone...

Just interesting and maybe a reminder to scrutinize your bill as it can pay off. Last month my City utility bill was very thick and when I opened it I had 2 other neighbor's bills in my envelope. I am in a townhouse community and in the largest model (not a big range). Noticed that I was...

With the recent tax planning threads, I’ll throw my situation out for your collective wisdom and perspectives. TSP: $1,100K (at today’s balance/current age, SEPP provide ~$29K minus taxes) tIRA non-ded: $5K basis $3.5K Roth IRA $312K Taxable MF...

Ok, Fidelity fanboys and girls, Updating my spreadsheets for the EOM and looked at the cost basis for FZROX within my HSA (doesn't really matter what they calculate but if this were taxable it would!) Doesn't sell me on them... can anyone explain this. I've been doing an modified DCA into...

Ok, so might be getting paid a bit this year to have fun. Arrangement is I'll be an independent contractor running tours on an an hoc basis at my discretion and pay will be reported on a 1099. I'm trying to figure out if/how I need to make estimated tax payments as my only expected liability...

A year ago I was in an accident that was fully the other party's fault in my one year old car. It was pretty clear from seeing the owner that they had minimal insurance ($10K property in FL) and this was pretty much confirmed by their insurance rep. The repairs totaled $9,600. No doubt my...

I did it. FIREd as of 7/16/21 at age 47. Quick “FIRE Bio:” Discovered I could make money not working from interest sometime in junior high school; I think from reading about CDs in Zillions or Penny Power Magazine (Consumer Report’s kids magazine back in the 80’s). After mediocre...

This coming week is my last week of w*rk at 47! I have thoughts and loose goals (maintain and improve mental, physical, social health; enjoy life; etc) regarding how I will live post FIRE but expect the first few weeks to be de-compressive and mostly plan to rest A LOT. -It's a big life change...

For several weeks my garage door opener would not open with the transmitter in my car and I would have to get out and open using the keypad (wireless as well and has always worked...so far but getting nervous). I tried using the regular remote from the car as well when it is acting up (getting...

I'm getting close and looking at this summer for my FIRE date (unless offered part time in which case I may stick around to help with transition/pad my cash stash). I will probably earn a little bit having fun in FIRE (bar-tending, leading tours, brewery assistant) but not planning on it. I'd...

I'm about 100% equities except for cash and playing around in my head this morning on withdrawal strategies (especially since I don't trust current valuations). Assume the WR is "safe" for the ER's comfort level (say <2.5% with a planned draw period of 50 years). I was thinking of treating...

I'm still w*rking (COVID with a splash of OMY made me miss my planned date) but really feel like I'm close to just walking away. While I've been planning/working towards FIRE for my entire career, I feel more and more like my final decision will be (or seem to be to me -and certainly to others)...

I'd like to get my nephews a few shares of companies they are familiar with. In times past, I could have given them a physical certificate so they had something tangible and cool! Any ideas on alternatives now? I don't really want to have to to through (or subject my sister to having to)...

As I approach my FIRE date (still deciding which ramp to take and hoping for PT at my current job and I may go OM1/2Y quitting at the end of the year instead of summer to bolster my cash position), I find myself paying a lot of attention to my budget and getting very disciplined in my spending...

My NW dropped 7% in February but my trailing 12 months expenditures dropped 5.5% so my annual trailing expenses/NW decreased from 2.89% to 2.78%... Guess I'm still moving in the right direction.... While you're watching the market, watch your expenses too! Didn't expect that but sort of a...