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Old 11-04-2008, 08:18 PM   #21
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GMAC has some 12-mo CDs above 4% FDIC insured, of course (bankrate.com).

VMMXX Vanguard Prime Money Market Fund?

Make an early/extra house payment?

Tax exempt mutual fund? VWITX Vanguard Intermediate-Term Tax-Exempt Bond Fund?
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Get a state job
Old 11-11-2008, 02:10 PM   #22
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Get a state job

Get a state job that offers 401k and 457 plan. Max out both. Have spouse get a state job. Max out both of her plans too. That's $62,000 year saved. Plus 457 has no 10% penalty for withdrawls before 59 1/2, which is great if you retire early.

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Old 11-11-2008, 10:14 PM   #23
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Where on the internet does a person go to look for state jobs anyways?
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Old 11-12-2008, 03:21 AM   #24
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It really depends on what you are looking for, but the higher paying jobs require a degree or a specific skill. This is one place to look for state health care / social service jobs in Texas.

https://rm.accesshr.hhsc.state.tx.us...7-431b08f314e8

Or you can always "Use the Google".

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Old 11-12-2008, 09:48 PM   #25
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Ninja,

Sorry in advance if you mentioned a spouse (or a lack there of) elsewhere and I missed it, but I'm sure you know that you can fund a working OR non-working spouse's Roth to the full $5K if you have at least $10K total earned income between the two of you. ($10K because you already have your own $5K Roth.) I mention this because I had to research it back when my spouse left the workplace before I did. I wasn't sure of the rule at the time because she had always funded a Roth on her own.

The Roth is the best thing the gummint ever did to help people become FI. It would be a shame to miss even a $1 of this vehicle when saving for FIRE. If your Roth provider requires any fees for your Roth, you can pay them separately so that the full $5K goes into your Roth.

(Someone please correct me if I'm wrong on any of this - Since FIRE in '05, I haven't funded a Roth out of earned income for 3 years - unless you count funding my Kids' Roths, that is.)

Good luck!
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Old 11-16-2008, 11:36 AM   #26
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With January 2009, I'm thinking about maxing everything during the first month(s) - the ROTH first, and 2-3 months of salary for the TSP. Get it all out of the way, hopefully w/ the market at its current low.
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