Recent content by BeWealthy

I worked for 11 years at a small company without a 401k. I chose to invest part of my salary in tax efficient ETFs in a taxable account. I am now grateful that I have abundant accessible funds since leaving the workforce at age 53. I know some who have retired earlier than expected and have...

Portfolio is +3.3% YTD, 64/32/4 S/B/C AA - and spending 100%+ of taxable dividends and interest.

I sold $10K of older 0% fixed-rate I bonds at the beginning of April and purchased $10K of 1.3% fixed-rate I bonds yesterday. I have about 10% of my portfolio in I bonds and feel comfortable with this allocation for now. This will increase my return by a whopping ~$130 a year. But, over 30...

Just pointing out how fickle NW can be from day to day and transaction to transaction. Happy accounting! :)

Should the taxable amount on unrealized capital gains in equity investments be considered a liability in NW calculations. It seems optimistic to include the entire unrealized gains as an asset. However, if I was to pass these appreciated assets to heirs the step-up basis would include the gains...

I have had home, auto, and umbrella policies with State Farm for about 35 years. Their service of claims has been outstanding - until now. Last summer we had extensive hail storms along the front range of Colorado. I've heard that upwards of 500,000 roofs were damaged. I filed a hail claim for...

This will show overlap of two funds. https://www.etfrc.com/funds/overlap.php

1. Medical 17% 2. Home Improvement 15% 3. Travel 12% 4. Grocery 10% 5. Self Improvement 6% 6. Dogs 5% 7. Housewares 4% 8. Misc 4% 9. Restaurants 4% 10. Misc. Auto (3%) Income taxes are minuscule due to managing income for ACA subsidy.:)

I find that many, possibly most, yahoo articles are too shallow to be useful.

I owe federal tax this year due to t-bill interest exceeding the standard deduction and slightly overshooting MAGI regarding my ACA subsidy.

I don't have an answer, but I purchased a tiny position in TSLA at the end of 2022 with some lingering cash in my brokerage account. It doubled, dropped, and is still up about 50%. Fun! I recently calculated the amount invested in TSLA in my QQQ, SPY, SPTM holdings. That dwarfs my individual...

Using the Line 24 / Line 11 methodology, for 2023: 0.9%. It's a little higher than I anticipated.

Just for grins I requested an offer from CarMax for my 2000 GMC Jimmy with 240,000 miles, history of 2 fender benders, ABS not working, oil leaking, etc. Drum roll...$100. It's gotta be worth more as scrap. I guess that's not their core business.:)

Vanguard has posted 2023 Final estimated year-end distributions here. https://advisors.vanguard.com/tax-center/year-end-distributions

Since quitting (retiring from?) w*rk 3.5 years ago, I am evaluating whether I'm frugal, thrifty, miserly, minimalist, or perfect in my spending. Who's to say? Saving during my career was a fun exercise in optimizing my expenses, and that has been a hard habit to break. My username was an...