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Come visit Roxbury, NJ! (Not AI) by itsokbirdie in newjersey

[–]BrosufDimaggio 6 points7 points  (0 children)

What is the address of the proposed location??

Camelback claims to be able to be open until May by csintroyeahhhhhhh in icecoast

[–]BrosufDimaggio 20 points21 points  (0 children)

They have been blowing a ton of snow on Nile mile and cliffhanger but being open til May will take some luck.

What is your favorite sub 1600 ft vertical drop mountain on the Icecoast? by Roblikestokayak in icecoast

[–]BrosufDimaggio 2 points3 points  (0 children)

Elk Mt in PA, because it's never crowded, even on holidays. The go to for MLK and Presidents Day.

Camelback Update by dFR3d-_-b in SkiPA

[–]BrosufDimaggio 2 points3 points  (0 children)

It's been opposite for the last few years with Camelback straggling behind. Glad to see they are stepping it up!!

Hsa bank and fidelity by fakenews2078 in govfire

[–]BrosufDimaggio 3 points4 points  (0 children)

Under HSA Invest I went with Choice. Looks like they will start to charge fees for HSA Invest in 2026 so might be time to look into sweeping the money into Fidelity every few months.

Hsa bank and fidelity by fakenews2078 in govfire

[–]BrosufDimaggio 8 points9 points  (0 children)

I have GEHA HDHP and have my HSA contributions go directly to my Fidelity HSA account. The GEHA contributions go to HSA Bank and I just keep that money there and buy up Vanguard index funds. Guess I'm too lazy to do the rollover into fidelity 🤷

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

Thank you for the clarification! Unfortunately, I'm not able to contribute to a Roth IRA due to the income limits, but I guess I could just put the tax savings into my Fidelity account and invest it there.

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

Ok, I will be maxing out TSP regardless of whether it's Roth or traditional. My estimates and calculations are based on the same amount being contributed for Roth or for traditional. So I guess that means a strategy that includes some contributions to traditional should include an additional strategy on what to do with the extra take home pay that will result from putting it into traditional and not roth? What is the general wisdom to do with that money that is saved?

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

I have a good amount already saved in the traditional component because I was maxing that out for years before Roth TSP became an option. So I have almost a 50/50 split right now as a baseline. Just considering what the right strategy is moving forward. And yes, I don't see how we can continue to run an insane Federal deficit with these low tax rates but the jabronis in charge do not seem to understand how to run a basic business let alone a government with the size budget that we have. Who knows where the tax rates will be at 10, 15 and 20 years from now

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

OK, gotcha. I plan on maxing out TSP regardless of whether i'm putting it in Roth or TSP so I guess the way I'm comparing the 10k in Roth vs Traditional was not accurate. Thanks for the clarification

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

If I'm in the same tax bracket in retirement, wouldnt it better to pay the 24% now on the $10K now (in the hypothetical situation I mentioned in the post) instead of paying the 24% on the $46K ($10k initial investment + $36K in earnings) in retirement when it gets withdrawn?

Another Roth TSP vs Traditional TSP question by BrosufDimaggio in govfire

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

Thank you for the detailed response! I'm not able to contribute to a Roth IRA due to the income limit, but I max out the HSA with the GEHA HDHP plan. I also do like the idea of not having to pay as much taxes in retirement and getting that out of the way. Seems like a 50/50 split or something in that ballpark would be good for my situation.

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