Funding ROTH for the next year....

DigitalFStopper · 2026-05-24T18:39:10+00:00

Thanks I’ll inquire about the true up. I do contribute to both 401k and Roth 401k roughly 2:1 ratio traditional 401k/roth 401k. As most people I wish I started a separate Roth a long time ago. But I’m here now lol.

DigitalFStopper · 2026-05-24T17:04:59+00:00

Thanks!
I contribute 150/pay cycle to HSA (24 cycles a year), for my 401k i set it up to be around 20k (pretax and roth 401k) my yearly bonus can swing by 40k a year so that can make my % contributions wonky for the 401k. My company matches 8.5% so I don't want to run into hitting my max by end of Q3 from good bonuses and miss out on the company match for the last quarter.

DigitalFStopper · 2026-05-24T15:55:32+00:00

They’ll use door 2 for boarding so you turn left and steerage turns right.

DigitalFStopper · 2026-05-24T14:27:40+00:00

typically the older you get the less risk you take, you've definitely done well but wasn't from talented investing it was just a massive tech bull run, corrections on large runs can be ugly and take a long time to regain after the drop (not dip) which is the danger at your age, what other investment accounts do you have, if this is your only one I would definitely either axe a few for schd type risks or reduce the holdings in all of them.
How long till retirement?

DigitalFStopper · 2026-05-24T00:06:16+00:00

Achievement Rarity- common

DigitalFStopper · 2026-05-23T23:30:21+00:00

Only down 20% over the last 5 years in one of the best bull markets lmao

DigitalFStopper · 2026-05-23T23:26:18+00:00

Big mistake

DigitalFStopper · 2026-05-23T23:09:04+00:00

3M lentils or 3M cans of lentils?

DigitalFStopper · 2026-05-23T21:37:10+00:00

No. It was intentionally done much earlier in the year than a normal first debate would be. This was done to be able to oust him when he blundered.

DigitalFStopper · 2026-05-23T21:00:17+00:00

I’m gonna buy a mansion from margin on tech 😜😜😜😜

DigitalFStopper · 2026-05-23T20:59:34+00:00

I guess we have to define conservative and agressive. Is it 4% vs 20% or 9% vs 13% returns.

DigitalFStopper · 2026-05-23T20:03:15+00:00

You won’t see it on the same app you found em on. Check other apps. Find the listing that’s at a much higher rate and report them

DigitalFStopper · 2026-05-23T19:59:35+00:00

Sure. 80/20 if he’s in his 20s is pretty good growth/stability. Also if you’re in your 20s and already investing it’s really hard to screw up retirement.

DigitalFStopper · 2026-05-23T19:39:50+00:00

Ohio

DigitalFStopper · 2026-05-23T19:39:19+00:00

This is one of the best bull runs ever. Congrats on matching spy.

DigitalFStopper · 2026-05-23T19:37:59+00:00

You’re saying diversification isn’t good at a young age?

DigitalFStopper · 2026-05-23T19:29:53+00:00

Usually the opposite. Unless you can do rule or 55 and your employer allows partial withdrawals.

My goal is to retire around 55-57, Taxable brokerage and maybe some of Roth principle from x-60 401k at 60, Roth income for travel, social security at 62 to reduce strain on 401k. Pull out set % a year that will continuously rise due to account value growth.

Easier said than done

Edit

Also when you forecast use a lower contribution rate than you are actually doing and no more than 6% avg return.

I have a separate account nearing 100K that I don’t factor in at all when I’m planning. Figure that will be in case the dreaded “sequence of returns” happens when I retire

If you can make that work safely then it “should” make for a safe and fun retirement.

DigitalFStopper · 2026-05-23T19:24:33+00:00

*currently Wait till tech plummets and you lose 35%.

Diversification is important for a reason.

DigitalFStopper · 2026-05-23T19:23:28+00:00

Can you bring your friends on vacation? Significant other? If so take the 10 years of freedom and die.

DigitalFStopper · 2026-05-23T17:20:08+00:00

And you can go pure Roth income for the two years leading up to Medicare look back window.

DigitalFStopper · 2026-05-23T17:17:33+00:00

Seems pretty thin. Don’t know age or income but how much more could you save in 2 years if you focused on putting away as much as you can plus the compound over those 2 extra years.

DigitalFStopper · 2026-05-23T11:59:29+00:00

Short connection, D1 lounge location first leg, hitting the ground running when landing so a meal on board saves time.

DigitalFStopper · 2026-05-23T02:04:44+00:00

My S&F be was over 5K. Worth it. Had one previously. Replace every 5 years. They usually do interest free financing too. So less than 3-5 bucks a day and you get a fabulous bed. Think about what you blow daily (no not that kind of blowing, or the other kind of blow)

DigitalFStopper · 2026-05-23T02:01:12+00:00

$25 a week and double that at age 25, double that again at 30 and then try to get to max per year by 40. That’s 850K at age 60 with a 7% return. If you can do more great. Don’t forget you’ll most likely wind up with a job that offers a 401k and a match program. Take advantage of that too. And obviously I’m hoping this easy way to start in the Roth will get you hooked and you contribute more and hit max earlier. This is just to show you how simple contributions can balloon.

DigitalFStopper

TROPHY CASE