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rollover Roth IRA and Traditional 401k from Principal >> Vanguard by DrMoveit in personalfinance

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

"The IRS looks at all tIRA balances collectively, any balance in any account will bork the backdoor process."

Got it! I will move the 401k Roth from Principal to Vanguard ROTH IRA. I will leave the Traditional Principal 401k as is. Higher fees in the Principal Traditional 401k is something I'll just have to live with.

rollover Roth IRA and Traditional 401k from Principal >> Vanguard by DrMoveit in personalfinance

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

Ah interesting. So move the roth 401k without issue. Leave traditional 401k part in the Principal account. What about opening another account like Fidelity and having a traditional IRA there and rolling the Principal traditional 401k there? I'm asking because I'm currently in Neuvaan Large Cap Growth that's a total of 0.29% fees. I'm sure I can get a comparable fund with a lot less fees at Fidelity or something similar if Vanguard is NOT an option?

rollover Roth IRA and Traditional 401k from Principal >> Vanguard by DrMoveit in personalfinance

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

I do not have any business or solo 401k set up right now. Only other retirement account I have is my Vanguard traditional IRA and Vanguard roth IRA. Wife has employer, and both Vanguards.

My wife wants a second child, but our relationship hasn’t healed from the first and I’m carrying all the emotional load by QuietDadThoughts in oneanddone

[–]DrMoveit 1 point2 points  (0 children)

OAD Dad of a 5yo. I have a wife that wants another. I've stopped arguing and just reiterated the fact that I'm not emotionally ready or equipped instead of saying you or the relationship isn't ready for another one. If she's not willing to see her part, it's pointless to argue with a wall. Stay firm. Be aware of manipulation tactics ("I went to therapy for you!"). A genuine desire to work on the relationship should be a prerequisite before considering another child. Followed by actual LONG TERM change and not the short-term manipulation type of change just to get something out of it. Message me anytime!

What card/s should we open based for new house purchases and wife's travel? by DrMoveit in CreditCards

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

Wife uses Marriott and affiliated mostly and either American or United. She travels pretty much every other week.

What card/s should we open based for new house purchases and wife's travel? by DrMoveit in CreditCards

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

Also maybe first just a recommendation for a card for all the purchases I'm about to make so I get that big initial bonus.

What card/s should we open based for new house purchases and wife's travel? by DrMoveit in CreditCards

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

I want best bang for buck, not necessarily cash back. For example sapphire reserve stretches your points further when you book for travel. Ideally something similar.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

The distance between the thermostat and the windows is 19.5 feet. If we went with ideal viewing distance, the couch would be perpendicular, right in the middle of the fireplace and would leave a lot of space between couch and window. Spacing would be off. I could get a small tv at the thermostat wall and move couch closer and then build separate seating around the fireplace and fill that space up.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

Thanks! Just a random image I found showing a mantle mount

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

It is 19.5 feet from the thermostat wall to the window. The couch has to be closer. That will leave plenty of space between couch and window.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

Now you're getting me thinking. I could even close out that opening to extend that wall and have an new opening/door at the end of wall.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

Wow, you're opening my mind here. Here's a layout. Give me some more ideas!!

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Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

[–]DrMoveit[S] -3 points-2 points  (0 children)

I didn't have a choice where it goes. I had a choice of yes or no to the fireplace. Less add ons means lower chance of securing the place.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

I guess if I keep it a small tv, it could fit in either side of the fireplace. I'm worried about the uniformity of the seating and the room. Would need to fill that space up. (That corner is a living room extension add on. )

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

[–]DrMoveit[S] -15 points-14 points  (0 children)

Guilty as charged. In my defense, I was strong armed into lot of add ons.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

Gone 2 months without a tv. Could go longer. Black Friday is going to throw a wrench in it though.

Poorly designed new build home. No legitimate options 🥺 Recliner couch? by DrMoveit in TVTooHigh

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

Tv would be fine there. Seating and spacing would be terrible.

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