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Never thought Vanguard would do something like this. The last thing I want is another account & a company I've never heard of (Ascensus). Hoping to at minimum transfer my SEP401k to a rollover IRA with Vanguard vs this. Option 2 would be opening the same 401k with Fidelity and rollover there...

Spent a little time trying to make my explanation for DW on our situation. I'd love some input on your ideas and hole poking. Very high view of spending & accounts to pull from here. Red pill is the post tax drawdown and possible ACA benefits. Our spending is ~$70k, so a $105k would give us...

So wanted to move DW's biggest holding Fido MM to Vanguard MM (3% difference yld) & it would not let me. So called them & they said it was a competing fund & I'd have to move it to another fund for 90 days before moving it to the Vanguard MM. I said "can't I just move all the other funds to the...

DW dropped a bomb on me today and I had to hold my excitement back a little. She's going to a 4 day w*rk week! I know, no biggie around here, but it's a huge step for her. She's finally dipping her toe in & getting an additional 52 days off on top of her 5 weeks + sick time. I dropped my stuff...

Our first year with MIL in memory care. Curious if we are maximizing the tax efficiency and whether we need to file taxes on her account. Here's a general picture She's single & gets ~$2k / mo TX pension ~$600 / mo SS pays ~$3,400/mo memory care + incidentals She's 83 & living in TX Not sure...

Never had to research this, but I personally experienced it yesterday. So driving back to the airport (LAX) from Escondido (resort) we got a call just as we were arriving at the airport. I left my sunglasses and wallet 2.5 hrs away. As I sweat bullets & on hold for an estimated 45 minutes, I...

The skinny. Me 52, DW 58. $2.365m total $800k liquid / post tax $1.1m pre tax & small non-cola pension $400k House & cars paid for $65k HSAs invested 50/50 allocation (DW is risk adverse) Past 5 years, spending has been $52k on low side & $62k on the high, recent side, including travel...

Didn't find anything, so curious. If you have a 401k through your employer (active) and another (inactive but still under previous employer) and rollover IRAs with Vanguard, do you have only $500k insurance for all or do they each have insurance individually? If the latter, can you get...

So I try to "clean up" my ticky tac expenses every so often. This can be annual credit card fee cards, streaming services, etc. Amazon has pushed my limits this year. I'm going to detox their many services and look at alternatives. I cut prime which as we all know went up. The add-ons are what...

So I have a DSD who is my only daughter. In the event that her mother and I die in an accident, who would be in line for my half of assets if there is not a will/trust? Just curious of what the collective says. This is my first marriage and I have 3 siblings... Thanks!

The Average Net Worth by Age and How to Build It article is easily spotted as inaccurate in calculation of Net Worth. Not exactly surprised, I guess. https://www.msn.com/en-us/money/personalfinance/the-average-net-worth-by-age-and-how-to-build-it/ss-AANcqvw#image=2 What Is Net Worth? Net...

So being self-employed for the first year (coastFI is what I call it)...I didn't pay any quarterly taxes. At the end of this year I just asked DW to increase her fed taxes by $6-8k to help cover SS & Medicare and a bit of fed tax. Are there any pitfalls I may experience by doing this...

So MIL went out to the car lot to buy top of the line model. Rolling in some lost equity and financing 10 years. We didn't know about this until now, 2 years later. She still owes $31k and doesn't want to pay the $500/mo now. She's wanting to move out (divorce with a prenup) of her 5th husband's...

So DW decides she misses the office dynamics of a large corp...I know, crazy... :blink: If she gets the job she thinks next year, it will likely push us up to above the 0% on LTCG tax that we may be able to do this year. I'm thinking if I get all the deductions (2 years of prop tax) and IRA /...

So I saw an article (not the link below) that took a poll of peeps that asked how the proposed tax plan would affect them. I didn't really like the generalizations they made and thought "how can they know if most people don't do their own taxes" (not to mention the math skills of the country)...

So the company 401k is administered and managed by John Hancock via the owner / owner's son. The fees for funds start at 1% for Vanguard S&P 500 to over 1.5% for any options. The company employs 100+ employees and I've always worked for this size company. In my past experience, I've paid a...

So we're in our first official year of little to no income so we are in a low tax bracket to say the least. Would it make sense to roll over as much as possible from our 401k to a Roth IRA up to, say, the top of the 15% tax bracket? We have 15+ years before we can get to it and I'm thinking...

We are moving, likely to Playa del Carmen, Mex. We've visited there a lot over the years and we have hooked up with 2-English congregations for local support and volunteering. Has anyone got advice for us in their transitions to another country? If you have stories of Mexico (no doom & gloom...