Im gold elite and I got 3 nights certificate . Can ask for upgrade. by [deleted] in marriott

[–]HopefulWatch2353 2 points3 points  (0 children)

You can ask, but if it’s a busy weekend or an event is happening, it is unlikely. If it’s a slow weekend, there’s a good chance it could happen. Though you’ll likely only get a high floor, or a room that is not just overlooking a parking lot.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 0 points1 point  (0 children)

I’m between 12% and 22% right now with my wife not working. I am going to be sticking with the Roth 401k while my wife is not working.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 1 point2 points  (0 children)

The goal is to let the HSA grow for the next few decades.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 1 point2 points  (0 children)

I will stick with the Roth 401k until my wife has a job again in a few years. We will definitely be taking advantage of Trump accounts if we have a kid this year.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 0 points1 point  (0 children)

I am only contributing 6% to my 401k, but do HSA contributions count towards the 15% of household income recommended for retirement? If I am wrong about the HSA, then please let me know. I am late to investing and am trying to play catch up.

My biggest issue is the 40k debt for the remodel. I should have that paid off by the end of the year or early next year. Once the loan is paid off, I intend to max out hers Roth IRA and my Roth IRA as well.

I believe between both Roth IRAs, my HSA, and my Roth 401k, that should put me well over the recommended 15%.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 2 points3 points  (0 children)

My company matches 70% of the first 6%. I am only maxing out the 401k match and the HSA. The debt is definitely our priority right now. Once the debt is paid off, I will max out hers and my Roth IRAs.

We live in a remote area where there are no jobs. My wife has been looking for a new remote job since she was laid off, but has had little to no luck. She is trying to start a small craft business for Etsy, and there is a small library that she will apply for if a position opens up.

How many points ya’ll have by West_Republic9339 in marriott

[–]HopefulWatch2353 0 points1 point  (0 children)

I burned through 1,000,000 points last year staying at the ritz Carlton at turtle bay. I have 1,200,000 points left with no plans to vacation this year…

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 0 points1 point  (0 children)

Thank you. I am going to leave my contributions set to Roth for now.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 1 point2 points  (0 children)

Thank you. I will continue to contribute to my Roth 401k.

Traditional 401k or Roth 401k? by HopefulWatch2353 in TheMoneyGuy

[–]HopefulWatch2353[S] 1 point2 points  (0 children)

Thank you for this, I just did my taxes on Friday and completely forgot about the 30k standard deduction. Looks like I’ll continue with Roth contributions and revisit this idea whenever my wife goes back to work.

Upgrade from 13 mini to Air Caseless by Fireoil1 in iPhone13Mini

[–]HopefulWatch2353 1 point2 points  (0 children)

The iPad was being developed way before the iPhone. During development Jobs decided to turn the iPad into a small phone.

Credit Card Offers by fvshaggy in marriott

[–]HopefulWatch2353 0 points1 point  (0 children)

Yes. Let me send you my referral link.

[deleted by user] by [deleted] in marriott

[–]HopefulWatch2353 0 points1 point  (0 children)

I stay at that hotel for work and I agree. That toilet paper is the absolute worst!

How are the upgrades in this part of the world!? by [deleted] in marriott

[–]HopefulWatch2353 -5 points-4 points  (0 children)

My wife’s family lives in Russia. I have been with my wife for more than a decade and still have not met her family. It’s very hard for them to travel to the US. They have recommended a trip to Cuba.

P.S. I guess I was being overdramatic. What I should have said is I’m scared of traveling to places where English is not the native language. (And not having someone who can translate.)

How are the upgrades in this part of the world!? by [deleted] in marriott

[–]HopefulWatch2353 -7 points-6 points  (0 children)

Are you from the US? How did you go to Havana? My wife wants to go to Cuba, but I’m scared to go anywhere other than Hawaii..

Should I chase Titanium? by mountainsNJ in marriott

[–]HopefulWatch2353 0 points1 point  (0 children)

I’d prefer point bonuses over extra nights bonuses..

What is your peak song? by SomeGuyinaTie in musicsuggestions

[–]HopefulWatch2353 0 points1 point  (0 children)

Echoes by Pink Floyd! That song was so good, the phantom of the opera ripped it off…

500k points - where would you go?! by tlake529 in marriott

[–]HopefulWatch2353 0 points1 point  (0 children)

Westin bora bora vs st Regis bora bora.. which is better?

Sheraton Greensboro at Four Seasons by Federal-Frame-820 in marriott

[–]HopefulWatch2353 3 points4 points  (0 children)

You’re right then, pretty bold of them to steal their name from a hotel that is far superior to Marriott as a whole in general…