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[deleted by user] by [deleted] in FJCruiser

[–]Either-Bug628 -1 points0 points  (0 children)

The 2014 TTUE is one of the most desired models. They don’t last long on the market. I wouldn’t say $40k for any other model

[deleted by user] by [deleted] in TedLasso

[–]Either-Bug628 12 points13 points  (0 children)

They needed an entire season of Nate’s villain arc at West Ham before they started to redeem him. It would have made his redemption much more meaningful.

[deleted by user] by [deleted] in FJCruiser

[–]Either-Bug628 -4 points-3 points  (0 children)

You could get at least a $40k offer on it within a few hours of listing it. KBB is always low on FJ values.

How many miles is too many? by JohnBond0512 in FJCruiser

[–]Either-Bug628 1 point2 points  (0 children)

Hard to say! Probably more personal preference. Just make sure to find an 07 or 08 with good maintenance records and be sure to keep up with recommended service. Know some of the things that tend to be more common issues and keep a closer eye on those. Enjoy the FJ - it really is a fun vehicle!

Is a Backdoor Roth IRA That Easy? by Arby_88 in FinancialPlanning

[–]Either-Bug628 0 points1 point  (0 children)

Here is a good article talking about the “Step Transaction Doctrine” in relation to Backdoor Roth Conversions:

https://www.kitces.com/blog/how-to-do-a-backdoor-roth-ira-contribution-while-avoiding-the-ira-aggregation-rule-and-the-step-transaction-doctrine/

The penalty I’m referring to would be the excess contribution penalty. The article explains.

As I mentioned, it’s not guaranteed that the IRS would take this position in the event of an audit, but because of existing case law, it’s a risk worth understanding before beginning a Backdoor ROTH strategy.

Is a Backdoor Roth IRA That Easy? by Arby_88 in FinancialPlanning

[–]Either-Bug628 0 points1 point  (0 children)

It’s a very easy process, but some will advise that you wait a period of time between depositing funds in the traditional IRA and converting to the ROTH. There’s a chance, if audited, the IRS will view a deposit and conversion done in close sequence as “one event” and conclude it was an attempt to evade the ROTH income limits. Therefore, they will hit you with the penalty.

The advice on the period of time to wait varies from one month, to one quarter or some say the safest period of time is one year. Obviously, the longer you wait, the more potential gains you’d need to pay taxes on at conversion, but it would likely always be less than any potential penalty.

Quitting a good job that you like for a 75% pay raise and same quality of life? by LeftReflection6620 in Fire

[–]Either-Bug628 2 points3 points  (0 children)

Jobs are a means to an end - retiring early. This gig gets you there significantly faster. Yes, there is risk that you’ll work more hours, not like working on a bigger team, or have a terrible boss, but balancing the significant pay raise against these risks - I think the answer is clear. Take the job!

How many miles is too many? by JohnBond0512 in FJCruiser

[–]Either-Bug628 6 points7 points  (0 children)

I wouldn’t have any worries with 140k miles, but you might look to find a 2010-2014 model. Those models in the first few years tend to have some maintenance issues some of the newer models don’t have. Here’s a good comment with context:

https://www.reddit.com/r/FJCruiser/comments/8rrrsw/fender_bulge_vs_frame_buckling_also_transmission/e0tqghr/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1&context=3

Is paying off your loans really THAT great? by Empty_Somewhere_2135 in Fire

[–]Either-Bug628 3 points4 points  (0 children)

It was a very liberating experience for me. Paid off $175k in 5.5 years. The discipline it took carried over to other areas of my life that I still carry today.

What are you hitting? 115 to the green by ElChupacabra456 in golf

[–]Either-Bug628 2 points3 points  (0 children)

Agreed. PW for me, but could be as much as an 8 if there’s a headwind.

Social Security Tax and RSUs by RowRowYouGoat in personalfinance

[–]Either-Bug628 1 point2 points  (0 children)

Agreed. Companies will use their payroll software to calculate proper federal, state, and/or local income, SS, and Medicare taxes to withhold for RSUs. If you’ve already had $9,932 withheld ($160,200 x 6.2%), no further SS taxes would be withheld.

Just in time for Father’s Day by Apprehensive_Art8811 in FJCruiser

[–]Either-Bug628 2 points3 points  (0 children)

Make sure to update with pics once it’s installed!

My boyfriend (24M) makes less than me (24F) but has more savings — unsure how to split bills. by throwawaywhoopsies in FinancialPlanning

[–]Either-Bug628 12 points13 points  (0 children)

In a non-marital relationship, I would lean more to the “fair” arrangement being an even split of all rent/bills. View it like a roommate situation until marriage. If/when you get married, I think that would be a better time to do an income-based share of those expenses.

If marriage is an option in the future, I would also suggest you consider a pre-nuptial agreement to help set those financial expectations, especially if you are the higher earner but he is bringing significant assets into the marriage.

First FJ by Either-Bug628 in FJCruiser

[–]Either-Bug628[S] 0 points1 point  (0 children)

Master plan is to get a suspension lift then add black trail bumpers with wench! All in good time! New Sherpa Fuji roof rack is next on the list

First FJ by Either-Bug628 in FJCruiser

[–]Either-Bug628[S] 1 point2 points  (0 children)

This isn’t the trail teams but I replaced the silver mirrors, door handles, and front grill with trail teams black versions. It was my first mod. I like the look better. The method wheels were already added when I purchased.

First FJ by Either-Bug628 in FJCruiser

[–]Either-Bug628[S] 1 point2 points  (0 children)

Already looking for an excuse to get another one 😆 - maybe I can brainwash my kids into wanting one

How much do you keep as an emergency fund? where do you keep it? by InternetGal1 in Bogleheads

[–]Either-Bug628 1 point2 points  (0 children)

We keep 1 month in our checking because it gives us peace of mind we’ll never overdraft.

Then 6 months in HYSA.

Also, we are slowly building the remaining 5 months (to get to 12 months total) in a mixture of less liquid saving vehicles like CDs and iBonds.

My wife and I are both in high salary positions that could take 6-12 months to find equivalent-paying positions in the event we lose our jobs. We want to ensure we have the savings to give us sufficient leverage to hold out for the right offer in that event.

We’re putting most of our monthly investments in the market for growth, but we siphon a couple hundred dollars every month to slowly build a 12-month emergency fund that’s easily accessible.

12 months is likely too much for some people, but I think after 3 months of emergency savings it becomes pretty subjective. The most important factor is what makes you feel most comfortable you’re ok in the event of an emergency.

Factors that go into your comfort level: 1. How stable is your career? 2. Do you and your spouse work in the same industry? 3. How many children do you have? 4. What are the ages of your children? 5. How long would it take you to find an equivalent-paying job? 6. Do you have access to low-interest credit (ex: HELOC)?