chasesfish
Recycles dryer sheets
I'm debating whether or not to reduce my wife's Simple contributions. We currently put $12,000/year in, but only need to put $5.000 in to get the full match. We would take the deter-tax difference and invest them in our taxable account. Federal + State marginal tax rate is 34% and we will be over the Roth income limits next year.
The simple's investments stink, it's a 5% load and 2% expense ratios. I roll the balance out every 10k.
I keep running scenarios and I already have a 4 to 1 ratio of tax deferred to taxable accounts. Is just tough to retire at 40-42 if all the money is stuck in investments I can't tough until 59.
The simple's investments stink, it's a 5% load and 2% expense ratios. I roll the balance out every 10k.
I keep running scenarios and I already have a 4 to 1 ratio of tax deferred to taxable accounts. Is just tough to retire at 40-42 if all the money is stuck in investments I can't tough until 59.