Recent content by JohnDoe

That's why is good to have a code word or phrase to verify identity of family member(s).

When should they have 2023 earning amounts?

Couldn't find any fees. Did the math on the contributions and the shares bought with the closing price. Check the expense ratios, the performance, the activity, and the stmts. All looks good.

What types of transaction? Contributions and buys?

5403

That's pretty cool that your ole man let's you manage his money. It took me over a year to convince my mom to move money from her bank branch to another institution that pays more than .02% on a MMS. My 2023 was 16.81% on 60/40. I did a portfolio make over and a rebalance the last 2 days. (The...

After 25 years, a new dishwasher and refrigerator.

Yes, I am taking that advise and rebalancing and adding ETFs to the Roth's. Thanks.

Lotus Emira GT4, perhaps?

Yes. I bought the last about a month ago at 4.9% for 5 years.

Why not buy longer term CDs now?

I did just set up a 5-year CD ladder yielding 5%. I'll have to reevaluate as those mature and MMF funds start dropping. I don't think the loss of interest will impact too much. We have 1.5mm now and are adding about 65k a year in contributions.

That's a great question. I forgot that wife will be there before me and that qualified Roth w/d's are not counted as income. We probably could make it to 59.5 but I wouldn't want to deplete those accounts that soon. ACA would have to last to 65, right? I think 30 to 35% is the goal I am...

I never really considered Roth conversions before so I don't know much about them. I should educate myself on that topic. I wish I would started earlier and more aggressive with Roth's. I should have considered the Roth 401k that was available to me.

I'll need access to money that doesn't count as income so I need to keep building up my taxable account. When I retire, I'll need to keep my reported income under 48,000 to take full advantage of ACA subsidies. The taxable account will help with that.