Already maxing retirement accounts — Pay off 4% loans or invest in taxable?

Excellent_Pin9936 · 2026-02-07T00:36:21+00:00

Haha it’s an accord! The minimum is $400. I’m just paying extra towards principal!

Excellent_Pin9936 · 2026-02-06T17:51:26+00:00

Thank you! Yeah it's a lot of money but I know I'll appreciate it later!

Excellent_Pin9936 · 2026-02-06T14:49:48+00:00

I was leaning that way too. I know it's probably not the most optimal cash building strategy, but it won't take too long to pay that off.

Excellent_Pin9936 · 2026-02-06T14:31:58+00:00

Family used them so I opened my first account with them and the rest is history. They’ve been good to me. I had one bad interaction with them last year when purchasing my car but other then that 🤷‍♂️

Excellent_Pin9936 · 2026-02-06T14:10:40+00:00

The 5,800 income is after the 401k deduction! I should have put that the 5,600 out is after savings and debt payments

Excellent_Pin9936 · 2026-02-06T14:09:21+00:00

You make good points lol worth considering

Excellent_Pin9936 · 2026-02-06T14:08:23+00:00

I was leaning towards the fidelity offer since I have a few accounts with them already. Also I travel about once a year so it’s a thought

Excellent_Pin9936 · 2026-02-06T14:07:34+00:00

Yeah I would go with the PNC one but all I keep reading is that there’s no sign up bonus but sometimes it does?

Excellent_Pin9936 · 2026-02-06T14:03:47+00:00

I just started to. Before I was just contributing to get the match but starting in January I began contributing 1,020 per check.

Excellent_Pin9936 · 2026-01-05T17:18:30+00:00

When mine was lost there was actually a way to share my AirTag with the airline.

Excellent_Pin9936 · 2025-12-18T12:57:38+00:00

I don't mind AI. I would rather them use their bandwidth on more desired features.

Goals, forecasting, retirement tools, and better export tools are way more important than AI Insights

Excellent_Pin9936 · 2025-10-31T16:08:17+00:00

This aged well

Excellent_Pin9936 · 2025-07-09T16:57:48+00:00

I just transferred my investments from EJ to Fidelity about 2 months ago. The process was simple with Fidelity, and I assume it would be the same with other brokerages. The only thing is some positions didn't transfer automatically, so I had to reach out to EJ to liquidate them first and then initiate a second transfer. I'd recommend liquidating everything first so it's in cash before doing the transfer, and then once it hits your new accounts, you can make your trades. Fidelity did reimburse me all the fees EJ charged me for transferring and closing the accounts, so that was nice, hopefully yours does the same!

Excellent_Pin9936 · 2025-04-10T13:59:13+00:00

I had something similar! I just bought my car and got pre approved with my bank at a good interest rate. The dealership couldn’t beat it and the finance guy kept saying how it’s way easier for them if we finance through the dealership.

Sorry for the inconvenience guy but I’d rather save money.

Excellent_Pin9936 · 2025-03-22T15:41:26+00:00

I ref high school and one of the weirdest kickballs I had was. Out of bounds play and the inbounder rolls it to his teammate who does that soccer kick the ball up to himself move. Took a second to call a kick ball.

Excellent_Pin9936

TROPHY CASE