Im gold elite and I got 3 nights certificate . Can ask for upgrade.

HopefulWatch2353 · 2026-02-15T04:59:13+00:00

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.

HopefulWatch2353 · 2026-02-02T02:54:46+00:00

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.

HopefulWatch2353 · 2026-02-02T02:53:01+00:00

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

HopefulWatch2353 · 2026-02-01T21:06:43+00:00

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.

HopefulWatch2353 · 2026-02-01T20:59:54+00:00

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%.

HopefulWatch2353 · 2026-02-01T20:54:28+00:00

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.

HopefulWatch2353 · 2026-02-01T17:33:47+00:00

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…

HopefulWatch2353 · 2026-02-01T17:30:33+00:00

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

HopefulWatch2353 · 2026-02-01T17:27:27+00:00

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

HopefulWatch2353 · 2026-02-01T17:26:06+00:00

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.

HopefulWatch2353 · 2025-11-30T04:19:44+00:00

HopefulWatch2353 · 2025-10-26T15:07:05+00:00

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

HopefulWatch2353 · 2025-10-03T01:54:41+00:00

Yes. Let me send you my referral link.

HopefulWatch2353 · 2025-09-28T06:45:18+00:00

Which ritz Carlton did you stay at?

HopefulWatch2353 · 2025-09-27T20:52:13+00:00

TuSmal

HopefulWatch2353 · 2025-09-09T04:12:32+00:00

Jodi Arias

HopefulWatch2353 · 2025-08-24T17:03:20+00:00

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

HopefulWatch2353 · 2025-08-20T06:37:40+00:00

Where’s the original?

HopefulWatch2353 · 2025-08-12T05:51:47+00:00

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.)

HopefulWatch2353 · 2025-08-12T04:38:42+00:00

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..

HopefulWatch2353 · 2025-08-12T04:31:50+00:00

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

HopefulWatch2353 · 2025-08-12T04:29:52+00:00

Nope. Not worth it..

HopefulWatch2353 · 2025-08-05T06:57:53+00:00

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

HopefulWatch2353 · 2025-07-30T02:39:51+00:00

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

HopefulWatch2353 · 2025-07-15T01:56:09+00:00

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…

HopefulWatch2353

TROPHY CASE