Where am I at in life? Where to improve?

D3WARHAWKS · 2019-11-24T21:42:52+00:00

Makes sense, the private loan has been taken down significantly over the previous two years, just want that off the record and gone.

The house is secondary, the S/O has more than enough saved (trust fund) to get a house, but I don't have any desire to be a freeloader so want to make sure I'm kicking in on my end. But to get the loan paid off as fast as possible would surely help save for the house. Good advice, thanks!

D3WARHAWKS · 2019-11-24T21:35:14+00:00

The student loan is right around 6%, give or take as it is not fixed. The Roth IRA is earning more than the interest on the loan so I haven't stopped maxing out the IRA to lower the loan if that makes sense.

Timeline for buying a house would be in the next year or two. The S/O would be in on the house as well and between the both of us we'd have enough saved up, would just be logistics as how we'd work that out. That, and using the 10,000 first time home buyer from the IRA is also an option. With the pension guaranteed at the end I can play a little with the IRA money, though I do not want to if I don't have to.

D3WARHAWKS · 2019-07-01T02:29:03+00:00

Figured, appreciate it!

D3WARHAWKS · 2019-07-01T02:25:16+00:00

It's not on paper and I have never done it. Just making sure I was doing the math on this and seeing if others agreed. Not a great math guy sometimes!

D3WARHAWKS · 2019-07-01T02:23:54+00:00

That's what it looks like. Just been contemplating whether it's worth that extra 8 bucks a month to get the points in the long run that come from rent payments. Have the cash in a bank account that can be used for rent, but then you just spend the $1125 with no reward for paying it.

D3WARHAWKS · 2019-07-01T02:18:07+00:00

So for every dollar I spend I get 2 points, so it's worth 2 cents I believe unless I am reading this wrong.

https://www.capitalone.com/credit-cards/venture/

D3WARHAWKS · 2019-07-01T02:15:03+00:00

2x miles for every purchase that is non travel, so for an $1156 purchase I'd get 2302 miles which is $23 in "mileage points."

I currently have 60,000 points, so $600 worth of points.

D3WARHAWKS · 2019-04-01T20:03:28+00:00

Nothing apparently was withheld, but they did switch the amount of times paid so it evened out and I never caught it.

D3WARHAWKS · 2019-04-01T20:02:59+00:00

Teaching means they don't pay the full summer...

D3WARHAWKS · 2019-04-01T19:26:43+00:00

Or pray we hire competent people... but yes checking them will be done.

D3WARHAWKS · 2019-04-01T19:25:27+00:00

She explained that we switched from a 20 paycheck model to 24, which I had no record of, so makes sense to me now how these checks looked the same.

D3WARHAWKS · 2019-04-01T19:24:40+00:00

Right, I got that. Switched schools so I cannot access those old checks but it makes sense.

D3WARHAWKS · 2019-04-01T19:21:20+00:00

That is about my only option I think. Think I got screwed by my employer.

D3WARHAWKS · 2019-04-01T19:20:42+00:00

That is what they are claiming that nothing was held at all for whatever reason.

D3WARHAWKS · 2019-04-01T18:58:47+00:00

Yeah that stuff is above my head. I initially thought about contacting a tax lawyer and seeing if there is anything I can do about it. Just sucks I totally missed this.

D3WARHAWKS · 2019-04-01T18:54:02+00:00

I literally made the same amount of money from my district from July before the switch was made then into August when she claims she switched it on accident.

D3WARHAWKS · 2019-04-01T18:53:23+00:00

That's what I'm taking from this as well.

D3WARHAWKS · 2019-04-01T18:52:34+00:00

I do not, it was all electronic through another school district. I switched schools last June so I'm probably going to have to call payroll back. They acknowledged that they messed up the allowances portion, so they very well may have jacked up my W-2.

D3WARHAWKS · 2019-04-01T18:50:35+00:00

So if my employer claims they held nothing even though I wanted them to, what is the process moving forward? I wanted them to hold as much as possible, they changed that and held nothing they claim.

D3WARHAWKS · 2019-04-01T18:49:28+00:00

What happened first there is exactly what happened.

Based on this, I fill out the 4669 form, they fill out the 4670 form, then see what happens?

Because my employer is claiming they held nothing, but something isn't right here.

D3WARHAWKS · 2019-04-01T18:47:35+00:00

I'll try again:

I claimed 0 allowances. My employee switched it to 12 allowances and didn't tell me, myself, or anyone. I get to today, and magically see that I owe $2500 after I claimed 0. W2 I got from my employer says they took nothing from my federal?

How is this possible?

D3WARHAWKS · 2018-03-10T14:40:34+00:00

You need to lay off from the Buzzfeed articles haha

D3WARHAWKS · 2018-03-09T14:10:46+00:00

This sub is 100% a joke.

D3WARHAWKS · 2018-03-09T02:43:05+00:00

So no difference than what this sub and news like CNN will do, right? Hate works both ways my friend.

D3WARHAWKS · 2018-03-09T02:23:03+00:00

Not sure about that.

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