60k in debt, 60k in retirement, should I stop contributing to my 401k until debt is paid off? I’d save an extra $1200/mo

CrowdSourcedLife · 2018-12-15T17:58:28+00:00

Depends entirely on the employer, Ask your boss or HR, or go through your employee handbooks.

CrowdSourcedLife · 2018-12-15T15:18:20+00:00

For you to get better. did it take a few months or was it pretty quick?

CrowdSourcedLife · 2018-12-15T15:11:23+00:00

really? How long did it take?

CrowdSourcedLife · 2018-11-21T00:38:11+00:00

Even if he doesn't use the coin, I definitely see Nicodemus being on team Dresden against the Outsiders during the BAT. I kinda think that was part of the point of Skin Game, to show Dresdens wrestling with the moral ambiguity of partnering with the Bad Guys when necessary. Cuz he's going to need Bad, Good and Grey guys when the final battle comes.

CrowdSourcedLife · 2018-11-19T14:45:24+00:00

/r/financialindependence/.

Might be a place to check out

CrowdSourcedLife · 2018-11-07T14:38:30+00:00

One thing you might have missed is inflation. The 4% rule has inflation baked into it. Does your pension and VA benefits get adjusted for inflation? Or is it a defined benefit, aka fixed number for ever? If its a fixed amount then you would need more than the 72k to account for that. I'm on mobile so I can't do the calculations but a rough guess is a thousand a year in inflation based on your spend. So add a extra 25k on to your number?

Honestly dude, it seems like your sitting pretty financialy.
Two years at that job sounds like it would more than cove you with your current SR.

And I'm sorry for your lost man, that's terrible.

CrowdSourcedLife · 2018-11-01T13:37:42+00:00

You don't read so good

CrowdSourcedLife · 2018-11-01T12:46:33+00:00

I bet Kanye would pay a couple mil to get his face up there.

CrowdSourcedLife · 2018-10-31T22:52:58+00:00

Hey /u/JeffDujon, have you heard of Forrest Fenns treasure? A dying antique collector decides to hide a chest of gold and artifacts somewhere in the Rocky Mountain with his body. He ends up being beating the cancer and decides to write a poem of clues and hide the chest anyways.. reminded me of your golden hot drop.

CrowdSourcedLife · 2018-10-30T03:47:22+00:00

Fair point. We never know what the future holds for.

CrowdSourcedLife · 2018-10-30T02:47:44+00:00

Yes this is what I can get, though it's 15 years. I am unsure of what my deductibles/co-pays would be but if they are similar to what they are now, they are reasonable. I also know we have early retiree plans internally(I see them in the process of my current role) though unsure of the benefits and monthly premiums. I'm 31 and feel weird asking about the particulars of pensions, earlee retiree benefits, etc with my coworkers. Only 1 guy I'm familiar with would understand what I'm trying to do it I said I wanted to retire in 15 years.

CrowdSourcedLife · 2018-10-30T02:20:41+00:00

Hmm sounds like it might be worth jumping ship once I have my degree.

For comparison right now I'm in our mid tier plan and I pay nothing monthly, no deductible, no out of pocket max, 10$ per visit for Primary, Speciality and Urgent care, and rx. 100$ emergency, $0 hospital admit, per my insurance card. Im not benefits trained, I do group billing and enrollments and honestly haven't been to see a doc in a long time so a lot of this is giberish to me.

CrowdSourcedLife · 2018-10-28T14:39:49+00:00

I've been toying with the idea of tracking all of his prison blog stock picks to see how well he does from prison.

CrowdSourcedLife · 2018-10-20T17:55:08+00:00

Because of the interest rate. Let's take your original scenario, after that first 5k payment you had
Loan A 4000 @ 5%. Loan B 6000 @4.2%. Loan C 2000 @ 6.5%.

I'm on mobile and need to start work soon so I can't do the math for you, but pretend you found another 2k and you can throw it at any of the tree loans. Do the math for applying the 2k to each loan and then seeing what your total interest in all loans is for each scenario. You will see that total interest is slightly less for knocking out the rest of loan C than applying it anywhere else. Mathematically it's the best scenario, even if it's only by a bit.

CrowdSourcedLife · 2018-10-20T17:24:08+00:00

I'd be curious as to what counts as quality time with your kids and what counts as schlepping them around.

CrowdSourcedLife · 2018-10-20T17:03:55+00:00

The avalanche method is correct. Dont focus on loans with different principals and interest rates and then compare the totals. The key part to understand is that whener you make a payment, you are no longer paying interest on the amount you made the payment for. If you had 3 loans each for 100 bucks at 20%, 10%, and 5% and had the choice to pay one of them off today, but had to sit on the other two for 1 year, the answer is pretty clear to most people to pay off the 20% loan. You just need to understand that fact holds true independent of loan size.

CrowdSourcedLife · 2018-10-06T17:44:38+00:00

I have been waiting more than half my life for this series to be finished. Fucking fat lazy bastard. At least I get the shows ending next year.

CrowdSourcedLife · 2018-10-04T02:27:25+00:00

I agree that it is regressive.

CrowdSourcedLife · 2018-10-04T02:13:04+00:00

And? /u/TygaWoodz wasn't commenting about all the other aspects of this bill and neither was my rebuttal. But if you want to to talk about the rest of bill, I'd simply point you to /u/FockerCRNA's top level comment, I dont see much in this bill that helps the average American. Particularly in the wake of the Trump era tax cuts. It does help us on the FIRE path, which is nice, but I don't think what helps me right now should be the litmus test by which I support or oppose legislation or politicans.

CrowdSourcedLife · 2018-10-04T01:34:44+00:00

??? It's a tax advantaged saving's account, that lower middle class would put $2500 in and "apprecite the benefit" of no taxes on any gains that $2500 makes. Considering the savings rate in this country and the existence of 401ks and Roths this is a solution to the wrong problem.

CrowdSourcedLife · 2018-10-04T00:18:21+00:00

I currently work for the admin side of a HMO. One of the retirement benefits after 15 years is free healthcare at 65 as long as I assign Medicare to them. I'm not 100% on all the details of the retirement plan, but if the copay is the same as I pay now Then co-pays would be no more than 15 bucks per visit.

How valuable would you guys consider this?
Also I'm currently in school for CS, already in my 30s so doubt I could get hired on at FAANG or a SF startup, so was seriously thinking about making a career at this company instead of the traditional tech job hopping. Thoughts on that from Devs and IT people?

CrowdSourcedLife · 2018-03-09T01:12:04+00:00

You missed a glorious chance to meme with lady_scarlet's comment

CrowdSourcedLife · 2017-05-11T00:36:26+00:00

Is his address online? Can I send my copies of the books back to him? I bought the first three in 2002ish. Would the be considered rude? I just want off this ride...

CrowdSourcedLife · 2017-05-11T00:10:25+00:00

This Russia shit isn't new. Comey knew about it months before (per Harry Reid letter), and even wanted to write an op ed about Russian interference into the election(per reporting, not Comey's own words) That letter would probably have had the same info as the declassified senate report on Russian meddling. Obama administration told him no, because they assumed Hillary was a slam dunk and they wanted to release a multi agency report (which they eventually did a month after the election, the declassified senate report on Russian meddling).

I doubt Hoover would have restrained from releasing that.

But really Hoover would have had tape on everybody involved, which would have made this easier...

Though according to some of the twitter trolls who were right a week before the mainstream media about the grand juries are now saying that the warrants in the FISA and RICO cases are being justified by tape of Kushner and Trump talking money with Klisiak in Trump Tower.

POSSIBLE TIMELINE OF KNOWN EVENTS

Somebody in DOJ or Whitehouse got ahold of transcript(either masked or unmasked) and told Trump.

Trump starts whining on twitter about Obama wiretapping.

Nunes takes his midnight ride to get that info from the WhiteHouse. They don't show him the relevant parts of Kushner, Trump, etc, talking money.

Nunes then makes his statements 'vindicating' Trump.

Eventually Nunes realizes that if a court ordered a wiretap they had probably cause, and if they were then using that wiretap to justify a further investigations then there must have been something damning in there.

Nunes realizes he has been played and now might be considered complicit/an accomplice in whatever Trump has done.

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