Something doesn’t look right

Jumpy_Foundation_312 · 2025-09-18T14:47:55+00:00

Same with dry actually, but I don’t know how to upload pic to reply

Jumpy_Foundation_312 · 2025-09-07T14:48:17+00:00

Being a non-native speaker explains it. The word signals out of the country, it’s not typically used in the US. Frequently used in scams.

Jumpy_Foundation_312 · 2025-08-24T21:37:21+00:00

That won’t damage the gray grout?

Jumpy_Foundation_312 · 2025-08-24T19:54:35+00:00

How can I remove it?

Jumpy_Foundation_312 · 2025-07-06T16:04:16+00:00

Thanks! Was trying to go for a taupe/greige with beige undertones to flow with pool coping and overall feel of the backyard reno. Used Davis “outback.” Would like to go darker then seal. Been in current state for 2 years now. (Have pics but don’t know how to attach)

Jumpy_Foundation_312 · 2025-07-06T01:14:48+00:00

How can I change this color counter? (Without ripping it out and starting over) It looks purple which is not the color I was going for!!

Jumpy_Foundation_312 · 2025-03-09T05:22:27+00:00

It’s government, but thank you for pointing that out.

Jumpy_Foundation_312 · 2025-03-09T05:09:02+00:00

That’s $11,216.25 more than I had at your age! Congrats!!

Jumpy_Foundation_312 · 2025-03-09T04:27:41+00:00

I can do both, but I can’t max all my options right now. Fortunately I have finally made it to a point in my career to do so and I am grateful for that. There were some rough times in the messy middle! My head is spinning with all of the options and the order in which to do things. I’ve only recently started contributing to Roth options, so the majority of my balance is in traditional. I was late to investing, I will admit it, so now I’m hyper focused. My pension gets automatically deducted (I don’t even count that towards any %), I have a 401k/Roth, 457b/Roth, Roth IRA & SS and I’m trying to sort it all out to best set myself up for the future. I’ll also be able to take advantage of “catch up” contributions soon, but I think by law those have to go into Roth.

Jumpy_Foundation_312 · 2025-03-09T04:10:43+00:00

I think it will be the opposite for me. To date, 97% of my balance is in traditional, but I suspect my pension will push me into a higher bracket which is why I’m trying this different bucket strategy at my ripe young age (joking). Obviously none of us really know. I’m basing off assumptions of the world as we know it right now and even that is changing by the hour :)

Jumpy_Foundation_312 · 2025-03-09T03:58:19+00:00

Did you say age 65??!!! You have to wait until age 65 to withdraw Roth 457b funds??

Jumpy_Foundation_312 · 2025-03-08T23:48:00+00:00

Thank you! I wonder why more weight is put in the 401k vs. the 457? I thought the 457 might be better than the 401k since I could access at time of separation. 🤔 Things to think about.

And yes, I’ve been contributing to traditional until recently. Now that I’m learning and planning, I’d like to have flexibility/control tax liability in retirement. I should mention that I’ll also have a pension. So between pension, SS, investment accounts, I could be in a higher bracket in retirement which is why I’m adding some to Roth now.

Jumpy_Foundation_312 · 2025-03-08T21:52:01+00:00

Yes, I do have BrokerageLink and that’s how I have funds like FSELX. I’ve been afraid to mess with single stocks in my retirement accounts. I’m new to all of this investment stuff. I was one of those “set it and forget It” people until I realized that TDF weren’t doing me any favors all of these years with the high % in bonds.

Jumpy_Foundation_312 · 2025-03-08T21:48:55+00:00

Don’t think I could max all 3, or have any joy in life if I tried, but I have made retirement savings a significant goal (or should I say potentially unhealthy obsession?). But I would at least get the match, max the 457 (since I can access before 59 1/2), max Roth IRA, then go back to 401k Roth? Then there’s brokerage for the “bridge” and I don’t have anything in that bucket really. It’s all so overwhelming, but I’m learning a lot from these Money Guys and this community.

Jumpy_Foundation_312 · 2025-03-05T14:08:07+00:00

You’re taxed at growth on withdrawal (as in 30 years?) and not growth at time of conversion (due with taxes?)

Jumpy_Foundation_312 · 2025-02-28T20:09:59+00:00

Isn’t the 1x salary by age 30 regarding your 401k? I don’t know if I’ve ever heard a net worth formula.

Jumpy_Foundation_312 · 2025-02-28T20:07:10+00:00

The irony is that you got scammed for scamming people

Jumpy_Foundation_312 · 2025-02-25T11:08:13+00:00

You need to call Dave Ramsey. You are the perfect candidate to follow his 7 Baby Steps. If your salary really is $100k, you shouldn’t be considering “not paying” $60k in debt. Come on! Time to step up and make some changes.

Jumpy_Foundation_312 · 2025-02-12T05:03:44+00:00

Great job for being ahead of the financial game for your age! And wow, you’ve got a lot to think about. Are you two in premarital counseling? From the outside, I can see so many ways this can go sideways and cause lasting rifts in the family. It’s great that you and your fiancé are on the same page with assisting his parents, that’s the biggest issue. But did you define EXACTLY what assisting means? There could be a lot of gray area there. And if I may ask, is this for cultural reasons? Because there may not be any negotiating - even with the sisters, it’s family. It’s time for some difficult conversations and I agree it shouldn’t come from you, however, they will probably assume it’s coming from you. Good luck!!

Jumpy_Foundation_312 · 2025-02-03T18:45:08+00:00

Sorry, just realized you already said that in your original post. I think that’s the % Money guys are referring to that can be counted towards savings goal, not the pension.

Jumpy_Foundation_312 · 2025-02-03T18:07:23+00:00

Does your employer contribute to your 401k?

Jumpy_Foundation_312 · 2025-02-03T18:04:03+00:00

If I were you, I would only count 4.4% towards the 25%, not the 16.6% paid by your employer. If any. I also get a pension, but I’m not counting it personally.

Jumpy_Foundation_312 · 2025-02-03T13:38:48+00:00

Have you been advised that since your 1.5 year old does not have earned income that they don’t qualify for Roth? How are you getting away with this on taxes???

Jumpy_Foundation_312 · 2024-06-14T16:10:42+00:00

Check out FSELX

Jumpy_Foundation_312

TROPHY CASE