Personal Investments • Trad vs Roth; how much does expense ratio matter; when...
Some background info, if it helps. I'm 45. My work is, under contract, set to increase incrementally more or less annually, and barring some major event, I am likely to remain at this position until...
View ArticlePersonal Finance (Not Investing) • Re: Resident physician nearing the end and...
Welcome to the forum.Married to a MD.My concern would be burnout. I would not plan on moonlighting very much. And the commute would exacerbate that.What about call expectations?Also Id keep the...
View ArticleInvesting - Theory, News & General • Re: A Simple Bogleheads Retirement...
The Bureau of Labor Statistics has published the consumer price index for all urban consumers (CPI-U) for January 2024.We're interested to calculate an average CPI-U to associate with our forward test...
View ArticlePersonal Investments • Re: Heavy Value Tilt Away from Mag 7 stocks
In a lot of your post history, you state that what you're doing goes against Bogleheads philosophy, you're not a Boglehead, or you're doing trading that isn't a Boglehead technique. Why, then, do you...
View ArticlePersonal Finance (Not Investing) • Re: Can a employer-covered 401(k) charge...
If the plan requires your employer to pay all plan expenses, the onus is on your employer to pay the custodian and to instruct the custodian to reimburse all the participant accounts.Could there be...
View ArticlePersonal Investments • Re: Are we a good fit for Vanguard Personal Advisor,...
You are both 34. With a young kid. Enjoy life while you can. Save something for emergencies and retirement. But don't worry about it too much. As long as you are saving, you are probably fine.In your...
View ArticlePersonal Finance (Not Investing) • Re: High Salary (>$500,000) careers
Real estate private equity. I am a strong believer that you can make more in real estate per point of IQ / degree of hard work than you can in any other industry. It’s how people have gotten wealthy...
View ArticlePersonal Finance (Not Investing) • Re: SS benefits - apply online, BUT still...
A trip to the office was successful, but required about 2 hours of waiting because the line around the block was already really long 30 minutes before the office opened. Interaction with staff was...
View ArticlePersonal Finance (Not Investing) • Re: Foreign assets - IRS form 8938 and FBAR
Important note regarding the $10k FBAR requirement -- 1) If balance exceeds 10k at *any time of the year*, filing FBAR is required.2) The "balance" in (1) above is the sum total of ALL bank accounts,...
View ArticlePersonal Consumer Issues • Re: Any woodturners here?
Thankfully I'm moving.A guy down the street has one.It stinks up the whole neighborhood.They should be banned.Statistics: Posted by Fillmore — Sun Feb 25, 2024 9:56 am
View ArticlePersonal Consumer Issues • Re: [On-going Scams - Post them here]
My 92 year old FIL was almost duped out of $10k. He got a phone call saying his granddaughter was in jail and needed $10k for bail. They even put a young crying person on the phone to pretend to be...
View ArticlePersonal Finance (Not Investing) • Re: Quantifiable benefits of HELOC?
Debt is a tool. You can use it wisely or unwisely.Yes and I'm wondering if I need the tool in my toolbox at all.If it doesn't cost you anything to keep it open why wouldn't you want the additional...
View ArticlePersonal Investments • Re: Retiring at 55 / Feedback requested
Hi op. Number wise you are good. $210K initial draw on $8.5M is <2.5% burn rate. As you have won the game I would indeed reduce stock % to your 70/30 as you suggested or maybe even 60/40 but I’m...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
A couple years ago there was a bill in the works in congress to increase the annual ibond contribution limit...which appears to have stalled.But I wonder if the treasury might be motivated in the near...
View ArticlePersonal Investments • Re: Reverse Rollover to Start Doing Backdoor Roth IRA
In your situation, I’d probably forego the backdoor Roth and contribute that money to taxable brokerage account instead. Forum member @lakpr did an analysis that showed the value of the backdoor Roth...
View ArticleInvesting - Theory, News & General • Re: The Three-Fund Portfolio
Bogleheads:New Video analysis The Three-Fund Portfolio:Time to Ditch The Three-Fund Portfolio?Best wishes.TaylorJack Bogle's Words of Wisdom: "The beauty of owning the market is that you eliminate...
View ArticlePersonal Finance (Not Investing) • Re: 0% 60 month Car loan in todays 5%...
Read the financing contract very carefully. Look for the words "deferred interest". 0% APR and 0% deferred interest loans are completely different. Deferred interest loans are not good. You miss one...
View ArticlePersonal Investments • Re: Bank’s savings account vs. US treasuries
Thank you all. The wealth of information on this forum is priceless.Statistics: Posted by seanbaby — Sun Feb 25, 2024 9:58 am
View ArticlePersonal Finance (Not Investing) • Uneven Estimated Withholding Question(s)
Hi,I may need to start making estimated tax payments for the first time. If I had an idea what my non-paycheck income would be I wouldn't need to ask, I'd just divide by 4 and make online...
View ArticlePersonal Finance (Not Investing) • Re: Will SSA show me the actual calculations?
Thanks for reply.I assume your mention of "AnyPIA" refers to the SSA "Detailed Calculator" which must be downloaded/installed? I tried that and gave up. Maybe I should try again. . .The one in-person...
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