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Venting would be good, as sunset points out, floor/ceiling insulation might be lacking between the garage and the bonus room. You might be better off adding a mechanical fan to one of the vents rather than installing a new ridge vent before you have to replace the whole roof. I assume...

You are still working right and enjoying high pay I believe. In your situation it doesn't make sense to do the conversion unless you'd be in a higher bracket later. What happens when you go from MFJ to filing as single, will there be a benefit there to doing conversions once you retire? The...

Welcome to the forum - lots of good advice to be found here. Congratulations on your nut, but as others have said, Great savings rate overall - how does that stack up against your invested assets? Is it still a high contributor towards your net worth increase? Are your annual contributions 1...

We’ve had it for a month now. Way better than Xfinity and way cheaper. Xfinity used to drop me during video calls to the extent I had to call in via phone and use my laptop for screen sharing only T- Mobile has been great, once a week I might get a less than second blip but that is about it. I...

If you are MFJ then any roth conversion/rollover would be done at the current tax rate. All earnings in her after-tax IRA would be taxed upon rollover, but her after-tax contributions would not be taxed.

Good detail above. White coat investor has great detail on the back door Roth method. Gains are only taxable if you keep it in the 401k, if you roll it over or roll it into your Roth 401k you won’t be taxed on the gains (except for the gains before rolled over).

We have propagated some trees, maple, elderberry and cherry. These were dirt propagation and was cut when dormant and stored in the freezer until spring. One set of buds should be below the dirt and rooting hormone will help turn that set of buds into roots. Good luck!

Seven up is right. Back door Roth is what you will want to do. Your brokerage contributions are also made at a high marginal tax bracket, same as backdrop Roth would be. Your brokerage contributions will be taxed on the gains whereas the Roth will be tax free.

Nice work! I haven't reread the thread but IMO if you include the mortgage as a negative in your net worth, you should include your house as an asset... Otherwise take the mortgage out and just include the monthly payment as an expense.

I roll the after-tax contributions into a Roth IRA at another institution on a monthly basis. Very smooth and quick process. I prefer that to the Roth 401k just for flexibility and investment choices.

You can access the contributions at any time penalty free (not the gains however). This would allow you to boost your tax-free portion of your nest egg to better manage taxes. At the high level of savings that you have it is also likely that you would never need to access the Roth...

I don't follow any podcasts and pick up most of my financial tidbits on this forum. Your goal looks like it will be a stretch to reach in 11 years at 5.5% returns. But it depends on how much you can stash away for sure. Make sure you also enjoy the journey, and not focus entirely on the...

It is a question about tax arbitrage - what is your marginal rate now vs. in retirement?

I forgot to mention, but one of the reasons for our Roth's being larger than our tax deferred is that we have done after-tax 401k contributions and rolled them over into Roth IRAs on a monthly basis. Not every employer allows for this, so check if yours does. Mine allows me to contribute 9% of...

Welcome to the forum. You have set yourself up well for the future by planning ahead, lightyears ahead of most Americans. You should think about asset allocation and the tax implications the bond funds have vs alternatives. You would likely want to put those bond assets in your tax deferred...

Unfortunately I think you are wrong on this point also. In my own experience the match is always in a traditional account regardless of your contributions are in a Roth. It is not hard for the company to keep track of. I think it is required by the IRS, but I’m not entirely sure about that.

You should also run firecalc with a shorter time horizon so that you capture the worst year to retire which according to google was 1966. Good job on acquiring enough assets to FIRE in your 30's. Does the 3% SWR support a barista FIRE or a FAT FIRE? If the former you don't have much leeway...

Would it be better to even out the tax burden by tapping the 401k sooner rather than letting it grow?

Welcome - you'll get plenty of advice here. Share as much as you feel comfortable with. The more information you provide the better the accuracy of the responses. Garbage in = garbage out... Your flexibility will be critical to how well you will do, how much of your spend is core vs...

Thanks! I don't pay more taxes, but max out my pretax and on top of that do after tax contributions to tax free accounts rather than investing in brokerage accounts. This has made me feel retirement account rich but accessible money poor. Not really accessible money poor since I could pull...

This is our trajectory Started working a real job in 2007 after graduate school and goofing around (age 32)... We had enough savings to buy a first house, but we were house poor. My wife worked for three years and then called it quits and is now taking care of our brood of four. Took us 9...

+1 wowsers!

Congratulations - must feel good to be so close to 100%!

Looking really good!

$2.30M invested assets - on target for 2030 - age 55 for unfettered access to 401k and RSU/options. I'll take a quarter like this! | % of Target| |investments and cash| investments plus RE cash flow 2017 Q4|42.4|50.0 2018 Q1|41.1|53.0 2018 Q2|42.9|60.4 2018 Q3|42.1|66.6 2018...