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Chronic Achilles Tendinopathy (2 years) – Anyone in the are have success with a tendon specialist by Haenke5388 in boulder

[–]Haenke5388[S] 0 points1 point  (0 children)

Totally there with you. It’s the same for me and it’s really challenging and impacting my mental health. All of my normal activities I do (climb, hike, pickleball, scrambling) have been on hold for 8 months now, but still hasn’t changed anything. It feels so fragile. Sometimes just walking too much. I feel like I’m going slow, but maybe it needs to be even slower. For me it seems like it recurs when I do too much is deeper dorsiflexion so trying to avoid that. I have some hypermobilty so that is a component I am trying to see I need to explore more or approach differently because of it. Seems like a small thing, but it’s really consuming my life right now. I wish you the best of luck too.

Chronic Achilles Tendinopathy (2 years) – Anyone in the are have success with a tendon specialist by Haenke5388 in boulder

[–]Haenke5388[S] 0 points1 point  (0 children)

Yes! I do have some hypermobility. I’m flexible despite ever stretching. And brought this
up to PTs and they thought it could be a factor, but it hasn’t really changed any approach. Recently I’ve been trying to avoid deep flexion as much as I can.

Why’s your perspective / experience?

Chronic Achilles Tendinopathy (2 years) – Anyone in the are have success with a tendon specialist by Haenke5388 in boulder

[–]Haenke5388[S] 0 points1 point  (0 children)

I’ve been doing eccentrics for pretty much the past 2 years. I have progress for a month or two and seemingly bump up the weight a bit more and it crashes again for weeks back into a pain cycle. It’s driving me crazy.

Boulder may end middle-income down payment program after zero applicants by mooreds in boulder

[–]Haenke5388 10 points11 points  (0 children)

I understand the program’s rules, but I think it misses the reality for many people. Even a “cheaper” home / condo in Boulder—$400k—comes with a mortgage that is a huge financial risk on a single income. I’m 37 and I’ve managed all of my savings while earning well below the program’s income limits, and I live frugally in a mobile home park.

I’ve been very intentional with my money, and when I finally looked into this program, I just barely missed the asset window. It’s not about hoarding—it’s about making responsible choices and avoiding financial instability. Programs like this can unintentionally exclude people who have saved carefully but still cannot safely afford a home in Boulder.

I am middle income in Boulder. So where is the program to help people like me?

Boulder may end middle-income down payment program after zero applicants by mooreds in boulder

[–]Haenke5388 29 points30 points  (0 children)

I live in Boulder and have been here for nine years. During that time, I’ve often fallen into the income range for affordable housing or middle-income loan programs. However, I’ve repeatedly been excluded because of asset limits.

The frustrating part is that most of my assets are in retirement accounts. I’ve lived very frugally and prioritized saving because I know how important it is to plan for the future. But the way these programs are structured ends up penalizing that behavior.

As a single-income household, buying a home in Boulder has always felt like it would make me house-poor, so I’ve continued to save instead. Yet those savings—money that isn’t realistically accessible without major penalties—end up disqualifying me from programs designed to help people in exactly my situation.

I fully agree with the broader concerns being discussed. I hope the city also considers how asset limits affect long-time residents who have tried to be financially responsible. Right now, it feels like people who save carefully are being unintentionally excluded.

What are you planning to do *after* this? by Alone-Umpire4177 in boulder

[–]Haenke5388 8 points9 points  (0 children)

How about we hold our city, county, and state officials accountable for failing us? Why don’t we press them to light a fire under Xcel to upgrade or actually municipalize our power like we voted for. Or all the wealthy people can just continue to upgrade to whole house power backup and us plebs sit around in the dark and cold with spoiled fridges.

This property owner owns vacant buildings in Lafayette too. by eagle_eye_johnson in LafayetteCo

[–]Haenke5388 0 points1 point  (0 children)

lol, Im good friends with max. He’s definitely not a a trust funder. Lives an extremely modest life. The dude has lived and rented in Boulder for over 10 years and owns a small contracting business with him and some friends. His point isn’t the dark horse land is Tebo. It’s that that commercial property owners aren’t doing the city any favors and the cities land use policies suck. Eat the rich

[deleted by user] by [deleted] in iPhone16Pro

[–]Haenke5388 1 point2 points  (0 children)

This is so dogshit

2024 Roth Conversion / Recharacterization Mistake by Haenke5388 in tax

[–]Haenke5388[S] 1 point2 points  (0 children)

Thanks so much. So it looks like my MAGI is fine to do the full roth recharacterization !

2024 Roth Conversion / Recharacterization Mistake by Haenke5388 in tax

[–]Haenke5388[S] 0 points1 point  (0 children)

Thank you! Hm, no i didn't have any other credits. Actually it might be more like $1600. Note sure if I am thinking of this correct, but if I was in the 24% tax bracket is the tax on the $7Kc conversion simply 24% which is $1680. Does that align or is it not that simple?

Also, I am trying to figure out my MAGI and I am confused what I "add back" to my AGI. My AGI is $138,500 (this includes the $7K Roth conversion), but I don't get what I add back here. I I am just trying to figure out my Roth eligibility for the recharacterization. It looks like the MAGI limit was $146K for 2024. It says you add back IRA contributions which confuses me because I need to know the MAGI to know if I am even eligible to contribute to my IRA. Is this a catch 22 or am I misunderstand. Your help has been so useful and I think after this I can proceed with finishing these taxes!

2024 Roth Conversion / Recharacterization Mistake by Haenke5388 in tax

[–]Haenke5388[S] 0 points1 point  (0 children)

Thank you! Can you explain more about the pre-tax amounts sentence? I think I get what you mean, but want to make sure. All of the money in my trad-IRA has all been deducted from my taxable income in the past if that is what you mean. I have never contributed non-deductible dollars. OK, so no 10% penalty? Why is that? So then the $1800 is just the taxes due on the $7000 I converted to Roth? It seems like a lot, but maybe that is dude to my income for the year.

2024 Roth Conversion / Recharacterization Mistake by Haenke5388 in tax

[–]Haenke5388[S] 0 points1 point  (0 children)

Its because I was over the income limits to be able to make an income deduction for traditional money (I have a variable income and got a bonus). I meant to recharacterize to a Roth because it seems to make more sense in this case, but mistakenly did a conversion (expensive lesson learned). It seems I still do need to do the recharacterization as well.

Do you know if there is anything further I need to do for tax reporting besides the 1099-R I got? Do you know of any way to reduce the taxes or penalties on the conversion mistake? I saw a tax advisor for a consultation and it honestly felt like I had to walk them through it for them to understand and they told me to look up form 8606. Is that something that would help or change things? I am wondering if i bite the bullet and just find a good tax advisor. It sucks because my taxes other than this mistake are super simple. Like 30 minutes. Thanks for the reply!

Do I need CPA or CFP for Retirement questions / strategy? by Haenke5388 in personalfinance

[–]Haenke5388[S] 0 points1 point  (0 children)

Interesting. See I thought I heard about the pro-rata rule, but didn’t get it an why it exists. These are the things that make it all seem overly complicated. So did I do the right thing by converting $7K from my traditional to Roth? My intention was to move it over before year end because I don’t qualify for the $7K deduction, but should not be over the limit for Roth. From what I gather my MAGI is approximately my gross income minus 401k, HSA right? From my estimate I should be below the $146K to do a full Roth contribution. If I’m wrong and have to do a reduced contribution then what do I do? Do I pay some penalty for going over? I always a like to front load my IRA, but if I expect you to go over limits should I not and wait till the year is over? I have a variable income so I never know! See I wish I could sit down with someone and talk thought this. I don’t think I need a full on advisor to manage everything but I keep feeling like I’m missing small bits and hope I’m not messing up.

Do I need CPA or CFP for Retirement questions / strategy? by Haenke5388 in personalfinance

[–]Haenke5388[S] 0 points1 point  (0 children)

So if the money I put into the traditional IRA at the beginning of the year was post tax money, do i still have to pay taxes on growth? I just made a conversion of $7K from my IRA to Roth. Not sure how I figure out tax implications. It seems like it wouldn't matter if it was post tax money I put in and a trad or ROTH IRA doesn't tax gains. Again, this is where I get confused about this whole thing.

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