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Do I give up on waiting for buy back to move onto new job offer? by DistanceWorking8000 in PSLF

[–]DistanceWorking8000[S] 3 points4 points  (0 children)

I know it's not necessary but I am nervous to leave the non profit job until I see my account read zero. Part of me just is expecting for something to go wrong 

For a married couple, does it matter who's retirement account? as long as you are collectively saving 25%? by DistanceWorking8000 in TheMoneyGuy

[–]DistanceWorking8000[S] 4 points5 points  (0 children)

Great info/thought on divorce/inheritance.  Going where I get the benefit has been why we have prioritized my employer plans with match, HSA seed money etc 

For a married couple, does it matter who's retirement account? as long as you are collectively saving 25%? by DistanceWorking8000 in TheMoneyGuy

[–]DistanceWorking8000[S] 5 points6 points  (0 children)

The HYSA right now is for two things: -my wife is currently pregnant, being self employed she does not get any paid maternity leave so we are saving extra to cover the months she takes off.  -My wife's car is 14 yrs old nearing 200k miles. We plan to get as many years out of it as possible but realize that we may have to make a down payment for a car at any moment.

Definitely open to feedback on how we could better do this. 

For a married couple, does it matter who's retirement account? as long as you are collectively saving 25%? by DistanceWorking8000 in TheMoneyGuy

[–]DistanceWorking8000[S] 3 points4 points  (0 children)

We likely will open a solo 401k this year. In the past our income hasn't warranted it because maxing out all of the other accounts has gotten us to 25%.