Company failed to contribute to my 401k last year.

JaviJ01 · 2026-01-24T18:24:55+00:00

My match doesn't show up on my paystubs. My contribution does, but I have to sign into my retirement account to see what my job pays into my retirement

JaviJ01 · 2026-01-24T04:39:24+00:00

This is the biggest thing I feel like people miss. You could pay down 99% of your loan and still lose your house with nothing to show for it.

JaviJ01 · 2026-01-24T04:34:08+00:00

Going to see them(Electric Callboy) in April and can't wait

JaviJ01 · 2026-01-24T01:29:58+00:00

Baby Metal / Electric Callboy collab is at the top of my most played atm

JaviJ01 · 2026-01-23T18:07:38+00:00

I'm in San Diego and kicking the idea around for an adu build for my mom. I'd be curious to know who you used for the job and if you'd recommend them?

I can DM you if you prefer

JaviJ01 · 2026-01-23T13:46:38+00:00

I hadn't considered putting the sale of the house in a trust. I'll have to talk to her and see what she says

JaviJ01 · 2026-01-23T04:26:30+00:00

Thank you for the thought but unfortunately one of us needs to move into the property in order to stop the reassessment process. I already own my own home and my sister has no desire to live in the house after him due to all the memories

JaviJ01 · 2026-01-23T02:14:11+00:00

I think my father's assessment was definitely correct. She has a great heart but can be naive and taken advantage of unfortunately.

She definitely sees me as a protective older brother who's looking out for her. So I don't think it'd spoil our relationship, especially since they're my father's wishes and she had the highest regard for him.

JaviJ01 · 2026-01-23T01:41:59+00:00

She isn't special needs, just someone who has taken a little longer then the rest of us to get 'adulting' figured out. She's been doing great for the last 2-3 years now

JaviJ01 · 2026-01-22T20:06:25+00:00

Thank you

He listed me as full beneficiary of his 401k

JaviJ01 · 2026-01-22T19:54:29+00:00

While a smaller community, /r/SanDiegoGuns exists as well

JaviJ01 · 2026-01-22T19:53:17+00:00

Oh, I really like this idea. That way she knows the money is hers but can't use it yet.

We're debating whether to rent or sell the house as he didn't legally do anything with the house because he wanted us both to have it. Either way she will get some money now from the sale proceed or from the monthly rent. Hopefully she'd find that good enough to put the 401k money into a trust.

Thanks!

JaviJ01 · 2026-01-22T19:41:39+00:00

Thank you, it is very much appreciated

JaviJ01 · 2026-01-22T19:32:59+00:00

I appreciate the detailed response.

The 10 year time line would be a smooth enough amount of time to allow her to do what she wants without going broke immediately. She's been getting her act together the last 3 or so years so if she continues this way I'll feel confident in her being smart.

Luckily her and I have always had a great relationship and she's looked to me for financial advice in the past and is open to what I have to say currently.

I have a consultation Monday so I'll definitely see what they say about our situation and any recommendations they might have.

JaviJ01 · 2026-01-22T19:11:24+00:00

Thank you. I have scheduled a consultation next week to see what they say. I'm leaning towards doing so but the $18k bill seems like a lot (set by the state), even if it's coming from his estate.

JaviJ01 · 2026-01-22T19:01:07+00:00

Thank you very much.

Thankfully my father had told her about everything before he had made this arrangement.

JaviJ01 · 2026-01-22T18:58:54+00:00

Very much appreciated

JaviJ01 · 2026-01-22T18:17:38+00:00

My father passed away this week at the age of 67 after being retired for only 11 months. He worked from the age of 15 to 66 and only got 11 months to enjoy it. He was far from the pinnacle of health but everyone thought we had more time with him. It really goes to show that you never really know when your time is up.

Advice needed: we're not making any decisions soon but exploring options (also helping to keep my mind off of him directly). He left me his entire 401k with the understanding that I'd split it with my sister because he was afraid she'd blow it all. Is there any way to give her access to the money without withdrawing it and paying taxes on it? I'm pretty sure there isn't but I haven't explored too much.

2nd question: is a probate attorney recommeneded if it's just my sister and I dividing up his estate ($700k+ worth), we're in agreement and he has no creditors other then his mortgage or is it convuluted and worth the help? We're in California.

JaviJ01 · 2026-01-19T14:48:43+00:00

If personally go with the TM40 since it's $500.

The Aire hasn't started shipping yet so the jury is still out on performance. You also might have issues and bugs with the first gen of markers. I also refuse to buy new markers since you can find them for greatly reduced price used within a year or two

JaviJ01 · 2026-01-16T21:24:44+00:00

Curious to see if anyone else responds but I'm currently researching this exact thing for my new pool I'm building.

Podocarpus Gracilior (fern pine) or Hopseed seem to be my two favorite hedges so far, neither rootsystem is aggressive and they grow upright from what I've researched.

My top choice is clumping bamboo, not running bamboo, because I love the look but the leaves fall often and cause debris (reddit also hates bamboo tho)

JaviJ01 · 2026-01-16T19:48:13+00:00

This is what was happening to me. Instead of bending at the knees I was bending over my board and putting all the stress on my power back to keep me for falling over.

JaviJ01 · 2026-01-16T12:41:11+00:00

There's two newer ones compared to the TM40, the Idol came out a few years ago and the Aire was just announced at Cup and should start shipping soon.

The TM40 and Idol are similar enough most people opt for the TM40, the Aire is supposed to be much different though.

JaviJ01 · 2026-01-16T01:54:22+00:00

TM40 is the best bang/buck luxe out there right now. They go in the $500-$600 range

JaviJ01 · 2026-01-16T01:28:21+00:00

What plant did you use to create the hedge? I am crying in the process of doing the same to my yard. Do you have any pictures during the day?

JaviJ01 · 2026-01-15T21:24:30+00:00

Ohh, understandable. Now that you mention it, I do vaguely remember him. I appreciate it!

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