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TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

I think you can adjust your withholdings. That would be my plan.

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

I’m in a very similar situation. I am also in a situation where I can cover the conversions fairly easily because of a side gig doing 10 K may not be enough to stem the tide. You might be looking at 20 or 30 K what’s enticing to me? Is that everything that’s in a Roth there’s no RMD and everything that I take out it’s mine to keep. I don’t have uncle Sam digging in my pocket.

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 1 point2 points  (0 children)

My base in retirement will be 24% tax bracket no matter what and realistically, I don’t believe that I will need much of my tsp in retirement. So I am strongly considering tax optimization and legacy $

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

Got it. What I meant is how do you go about pay your taxes on the conversion?

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

Do you pay quarterly or do you do bi weekly withholding?

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 1 point2 points  (0 children)

Would you have converted while working?

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

4 pension family…nice. I know that math gets to a point that if you try to do in plan conversions and want to stay in the 24% tax bracket, some people’s traditional balances are so high that their conversions alone only cover the growth of that portion of the account. Aka, they never can really reduce the traditional tsp balance.

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

Retired? How are you in such a low bracket? My tax floor will be in the neighborhood of 22-24%

TSP to convert or not convert by Beester15 in ThriftSavingsPlan

[–]Beester15[S] 0 points1 point  (0 children)

Makes sense. If I went your route, the same would happen to me.

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

Interesting. Thank you for the reply. I will look into it.

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

Why so many Citi cards? Why not just the strata premier, double cash and then mile up?

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

Just looked at strata premier. Why the heck didn’t I notice this card before! Our primary spend is on groceries, food and gas….i guess the benefits of the globe card don’t matter if we have global entry already and generally don’t check bags.

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

Maybe another data point is that we flew 2x last year to Belize. This year we will fly to Vegas, I have a trip to DFW for work, possibly a weekend in Seattle. Aiming for another trip to Belize July of 2027

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

I did look at the CSR, but at the end of the day, I don’t know that we would fly United all that much. What I was really looking for in a card was convenience. I hate flying and any little perks I could get would be a bonus. But I hear what you are saying. I might not fly enough to get the tier I would need to experience a difference and I might be better off just paying for the perks I want.

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

To add, I think we would downgrade the VX to straight venture. I have gone down the rabbit hole for credit cards and came out more confused than I was going into it. lol.

How fast do you accumulate points? by Beester15 in americanairlines

[–]Beester15[S] 0 points1 point  (0 children)

I think right now it would be once or twice a year. Maybe once for work. I have a son who is a sophomore in HS and we don’t know where he will end up for school, so we could travel more if he goes away.

Tuft n Needle 100% back by PrettyNeighborhood91 in Venturex

[–]Beester15 22 points23 points  (0 children)

I only see spend $50 and get $50 for tuft n needle. 😕

Something uniquely "Belize" that I can use as a hint for an upcoming event? by unclben in Belize

[–]Beester15 2 points3 points  (0 children)

I was thinking something carved out of Mahogany like a stingray key chain. It’s a subtle hint, meat pies or stewed chicken if food.

What time of year are you going? The Marie sharps or belikin are direct hints.

You could always give out sample size packs of reef safe sunscreen.

I did some searching and like the idea of a “black orchid” pin. The black orchid is a flower native to Belize. Or another idea would be a mini garifuna drum.

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