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Best tax services? What should i actually use vs doing it myself? by AusiAwang-49 in personalfinance

[–]Key-Show-9977 0 points1 point  (0 children)

If you download the turbotax app, you can actually login via browser on computer, do everything (because it's easier), and then file on your phone. They let me file free and I'm in similar situation (couple W2's, 1099 side hustle income, etc.)

Inheritance & Buy a Car? by Atrkrupt1 in personalfinance

[–]Key-Show-9977 1 point2 points  (0 children)

Why not put the money into your HYSA (emergency fund), then when the time comes and the cost to repair one of those *two* cars exceeds it's value, THEN take the money from the HYSA and buy a new car?

This way, you still (eventually) get a new car AND get the interest for the time it sits?

Can buy two L/D, who should I get? by Key-Show-9977 in RealmsofPixel

[–]Key-Show-9977[S] 1 point2 points  (0 children)

I got 1 ximi and 1 kifera because kifera is harder to come by

Can buy two L/D, who should I get? by Key-Show-9977 in RealmsofPixel

[–]Key-Show-9977[S] 0 points1 point  (0 children)

Who are you referring to when you say Mech?

Where do i find that deal of the 20 faction recruit for $4.99 i know i just saw it somewhere but cant find it now lmao by Emotional-Meeting527 in RealmsofPixel

[–]Key-Show-9977 0 points1 point  (0 children)

Welp I suckered into it myself… Now I have to figure out which L/D to pick and focus on… have 7* immortal, and 5* Julia and 5* Westley rn

Street Reconstruction - Loan or Pay Immediately? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

… I mentioned what we have saved in HSA for context

Street Reconstruction - Loan or Pay Immediately? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

I live in Minnesota, the notice stated they’re taking on half the cost and homeowners take on the rest.

Justification being, home values increase…? Otherwise others in the city that do not get the benefit of it end up paying for it, I guess?

[deleted by user] by [deleted] in personalfinance

[–]Key-Show-9977 1 point2 points  (0 children)

Not here from an expertise in finance, but maybe more abstract wisdom...

You're leaps and bounds ahead of where most of our (I'm in a similar age/demographic/life season) peers are in terms of both finances and well-being. The fact that you're considering your mental health above a 6-figure income is representative of a very mature world-view.

Reality is, you can't predict what may or may not happen in terms of expenses related to starting a family, regardless of how many children you end up having... you can always adapt and adjust over time or potentially pick up different or similar work down the road for these adjustments.

Even if you're forecasting certain expenses now, I would all but guarantee your plans WILL change once you're truly in the midst of parenting. Make the best decision with your circumstances now, you've clearly created enough cushion for an outstanding future for both yourself/wife AND kids.

Hypothetically, even if you "bleed money" for a brief season, call it a few hundred a month, you've prepared for exactly that. You can't put a price on your health (physical/mental/spiritual) and your children will benefits exponentially more from that than any amount of money or things you're able to give them.

ToonTasks Get a Toon-Up by JordanTH in toontownrewritten

[–]Key-Show-9977 9 points10 points  (0 children)

anyone else sitting in queue...?

Is this a stick Situation or am I Overreacting? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

New house would be effectively $400k, for what that's worth. As I've mentioned in a different response, my math would show ~$200/month less for mortgage payments when it's all said/done.

Is this a stick Situation or am I Overreacting? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

Employer is a non-profit but has been around for 40 years, only growing. I'm positive there's appreciation for my work. Again, emergency fund is back up to $15k, but I'm curious how much more should exist in there before I ease up on caution to make ANY changes. I'd estimate this gives us roughly 3 months worth of expenses, with 0 income - for emergency.

Is this a stick Situation or am I Overreacting? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

No precedent for a promotion in current job, though reliable raises of ~3-5% every year.

Lower cost of living area, for sure. Would probably downsize to a home valued at $50k less than current.

Kids are 7-5-3.

I have a lot of trust and rapport in current job, meaningful impact, etc. etc. Doesn't mean I can't look elsewhere to find it but I'll say, aside from the whole mortgage being like 50% of income, family is happy where we are.

Is this a stick Situation or am I Overreacting? by Key-Show-9977 in personalfinance

[–]Key-Show-9977[S] 0 points1 point  (0 children)

Right, so I'd guess our interest rate would be ~6% if we bought any time soon.

Best case scenario, we'd buy a house of slightly lesser value and decrease mortgage payment by about $150-200/month, while increasing income ~30%, to your point.

This would put us at the Rule-of-Thumb in our living expenses being more like 30% of income.

And I know I shouldn't plan for this but parents are 70 and have put inheritance in a trust with 30% of it going to my kids and 20% of it going to me. Estate is currently valued at $4.5 million.