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$7,952.24 was my total for 2018...oof that hurt. But then I looked closer and realized that it doesn't include returns. And also I ordered some stuff with the business credit card. That that puts my actual spend around $6,000 which isn't too bad considering a had quite a few big purchase...

Mine doesn't true up either. I have to make sure I hit the $18,500 max on the last paycheck of the year otherwise I miss out on match. It's always a big guessing game because I get about 35% of my pay in one bonus in early December. Too many times my bonus was much higher than expected and I...

We just got back from our trip and it was a good one. We expanded our distance a bit and went into Canada. We left Chicago and drove to Silver Beach in St Joseph Mi for a few hour stopover then straight to Niagara Falls. We spent 1 day at Niagara Falls (Canada Side). Niagara on the Lake 1...

The rule is: Distributions made to you after you separated from service with your employer if the separation occurred in or after the calendar year you reached age 55. So you can be just shy of 55.

The Thresheree looks like a hoot...although my DW might strangle me if I brought her there. I asked my cousin (who does tractor pulls) if he’s been, but no. It did bring up an interesting conversation about my Grandfather’s first tractor, a Model T that they ordered a conversion kit from...

Wow! Thank you all for the ideas. This is exactly what I needed to get me started. So far, I like the ideas of Door County or Western Michigan. Is a circle all the way around Lake Michigan doable or too much to see in one week probably? Has anyone made this trip? But also Cedar Point is...

Most colleges now charge a service fee for using a credit card that negate the points or cash-back rewards. But it's definitely worth looking into. This morning I just charged a couple of classes for DW's MBA in which they charged a 2.5% service fee. Supposedly DW's megacorp will reimburse...

Looking for recommendations for a family road trip (myself, DW, two DD’s 6&8). Next month (August) before school starts. Leaving and returning to Chicago for up to a week, so preferably within 300 or 400 miles with multiple destinations along the way. Thanks in advance.

Sorry to go off-topic, but I can't hear shenanigans without thinking of this Super Troopers movie quote.

I use 3.5% as a target. I'm not a big budget person, so I back into our expected expenses by taking our salary and adding/subtracting expenses that will increase/decrease once I FIRE: + Salary - 401k/ira contributions - brokerage account contributions - FICA - 529 contributions - mortgage...

Build up enough in taxable and ROTH contributions to get thru the first 5 years. After retirement use the taxable and ROTH contributions while starting ROTH IRA conversion ladder from your 401K. Then live off your conversion ladder the last 5 years.

Well geez, now I feel stressed

What happens if you don’t finish those work projects in 30 days? I’m guessing there are no ramifications. Maybe there’s a little pride involved, but I guarantee in a couple of months you won’t have any regrets if you walked away without finishing them.

I was about your age when my "spreadsheet" came together. Sounds like you are following in my footsteps. I am 38 and about half way to that $5MM....I do believe I will be there before 50. The one key ingredient you haven't really shared is the projected rate of return you are using for your...

Your thread is very exciting, please keep going with the updates. I wish I could pull this type of adventure with the family, but by the time I have enough to ER, my oldest will be in high school. From what I've read, that's not the best time to pull them out of school (unless I want the...

The Home Depot plumbing guys are trained to suggest a return. If you ask them “Which one do I need” for parts and fittings. Their response many times is “Buy one of each and return the ones you don’t use...and don’t forget to buy a couple extra too just in case.”

I’ll never forget the time our family missed the time change. I was about 7 or 8, although we were usually early, walking into church we all thought we were a couple minutes late. Quickly made our way to our pew and sat down..only for the congregation to stand up leave 2 minutes later. Doh...

I feel as though I’m at the lower end of upper middle class. But if I think about it, I’m clearly in the upper half of the lower end of the upper middle class. An outside observer would quite likely mistake me for the lower side of the upper-middle end of the upper middle class...but that is...

I think this quote sums up where my mood is at. Just keep in mind that a 50% gain is erased by a 33% decline.

This happens sometimes at my Megacorp with new employees. They start half way thru a pay period and so the first check is already small. Then several of the benefit payments are pulled out as a full pay period. It can also be confusing because the new employee might work a full 2 weeks but...

Does #2 know he is getting a million dollar inheritance? If so, anything you try do at this point will only cause strife with him. I think your only way is to get your oldest brother on your side first. Play up the fact that #2 is living with him. Even though he might not admit it, it is...

I'm guessing it was not truely a certified used car. Form the Nissan website: Only Nissans that meet our high standards qualify for Certified Pre-Owned status. They must be less than six years old from the original in-service date, with less than 80,000 miles on the odometer. Sounds like...

Actually, for the free wi-fi you need the A-list Preferred level which is double the a-list requirements. 50 flights or 70k miles

Please don't over do it. Someone might mistake that for working.

You might be past your time limit. I believe here in Illinois the time limit is 10 years.