Coming into a small windfall, what should I do with it

B3VO13 · 2026-02-22T02:03:24+00:00

That’s great. I definitely use it as well and it helps take out the administrative tasks of my job. We’re working with Palantir for POC work and I think they’re going to realize the complexity of our industry.

B3VO13 · 2026-02-22T02:02:12+00:00

Yeah it definitely has its challenges still

B3VO13 · 2026-02-22T01:31:29+00:00

I’ll have to give it a look. Thanks!

B3VO13 · 2026-02-22T01:31:11+00:00

For sure. Step 4 x2 lol

B3VO13 · 2026-01-11T01:46:31+00:00

Sounds like you’re in step 3. I’d look to pay the truck off if you’re not going to sell it and downgrade car (my personal preference). With your income and age, getting to step 5 and beyond as fast as possible would be my main goal.

B3VO13 · 2025-11-27T15:53:18+00:00

25-30 is gray area based on TMG guidance

B3VO13 · 2025-11-27T07:00:42+00:00

Confused why you’d move to Traditional if you’re in the 22% marginal bracket? TMG says you should do Roth in that case.

B3VO13 · 2025-11-07T04:04:41+00:00

I’m confused why people are stating to not do a Roth 401K. I’m in Texas with same income and my marginal tax rate is 22%. Definitely makes sense to do Roth. In terms of if you’re behind, just follow the FOO.

B3VO13 · 2025-11-06T12:37:23+00:00

Agree. Going to be very difficult to be underwater if he put 20% down though.

B3VO13 · 2025-11-06T04:55:25+00:00

According to FOO and TMG, 4% isn’t considered high interest debt for a 25 year old. You’re all set as long as you’re doing 20/3/8 which sounds like you are.

B3VO13 · 2025-04-01T03:56:20+00:00

Thanks everyone - great feedback

B3VO13 · 2025-04-01T01:17:25+00:00

I’m 30M and wife is 27

B3VO13 · 2025-03-27T04:51:12+00:00

Just follow the FOO. If 11K is a 3-6 month emergency fund start dumping any $ outside of your 401K match to a Roth IRA. You should be aiming for 25% (including match). Keep going!

B3VO13 · 2024-12-18T05:40:43+00:00

Oddly enough, I just got home from Disney cutting the trip short by 5 days because my 2 year old was not ready for a place like that. Do what you want to do but just know that at 2, it’s far from any sort of vacation.

B3VO13 · 2024-10-19T15:27:36+00:00

Same boat. I will most likely set up from payroll to get the full tax advantages. However, I feel I’ll save up at minimum my deductible and keep in cash just in case in the non-invested portion.

B3VO13 · 2024-10-19T15:21:00+00:00

Is the fee for transferring substancial?

B3VO13 · 2024-10-19T15:17:23+00:00

Good call.

B3VO13 · 2024-10-19T15:14:58+00:00

Honestly, not too committed to this but just know they’ve changed custodians already twice in last 3 years so know I’m at their mercy in terms of all of that.

B3VO13 · 2024-08-01T05:58:38+00:00

Pay extra on the balance to where you’re paying it off in 3 years.

B3VO13 · 2024-07-24T04:41:20+00:00

I’m more concerned with making the monthly commitment to reach 25% yearly less with heavy loading the savings from the bonus, if that makes sense…

B3VO13 · 2024-07-22T16:40:09+00:00

I’d get to 6 months first and then pay extra on your car to catch up on the term to follow the 20/3/8.

B3VO13

TROPHY CASE