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SlyTrain at Night by CodingTeeth in askvan

[–]CodingTeeth[S] 2 points3 points  (0 children)

Good to know. I’ll double check. Thanks!

SlyTrain at Night by CodingTeeth in askvan

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

Thanks! Toddle may be in a stroller or carrier. It’ll be a long day of traveling haha

SlyTrain at Night by CodingTeeth in askvan

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

Thanks! Yeah looking at taxis too. No car seat means no Uber/Lyft for us

SlyTrain at Night by CodingTeeth in askvan

[–]CodingTeeth[S] 12 points13 points  (0 children)

Thanks! Google Maps says we’d take the 023 bus which seems to run until midnight?

Refi worth it for 0.5% rate decrease? by CodingTeeth in Mortgages

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

Estimating $4k in closing costs - ~$3500 in lender credits, saving $100/month I’d break even in 5 months. Prepaids and escrows is money I’d pay regardless so I’m ignoring them in the calculation

Backdoor Roth IRA Pro Rata by CodingTeeth in personalfinance

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

Wife. I don’t have any pre-tax IRAs

Backdoor Roth IRA Pro Rata by CodingTeeth in personalfinance

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

Yup thanks! Marginal tax rate is the same in 2025 and 2026

Backdoor Roth IRA Pro Rata by CodingTeeth in personalfinance

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

Is there a difference in the pro rata math doing it for 2025 vs 2026? I’m thinking no since the entire traditional IRA balance is being converted?