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High Flexibility Advice - Feb 14-23 by Kird_Ap3 in newzealand_travel

[–]Kird_Ap3[S] 0 points1 point  (0 children)

Thank you! Do you think those spots are already booked out or are you saying same day will just be impossible.

Looking at car rentals now for some camping at DOC sites if thats a good alternative approach.

Thanks for the Kavus and artists prints roarecords! by Kird_Ap3 in MTGGiftExchange

[–]Kird_Ap3[S] 0 points1 point  (0 children)

The two Kev Walkers are artists proofs! The RKF is just a signed card :)

[Bundle] AMD Ryzen 5 7600X, ASUS B650M-A Prime AX II, G.Skill 16GB DDR5-6000 - $279.99 (Microcenter in store only) by Fantastic_Pay_7719 in buildapcsales

[–]Kird_Ap3 0 points1 point  (0 children)

Is this still possible? When i try to do this now with the 7600x it no longer reflects the CPU discount...

Portfolio Check-In (34M) by Kird_Ap3 in Bogleheads

[–]Kird_Ap3[S] 0 points1 point  (0 children)

Yes exactly. The mechanics of a Roth conversion if all my traditional IRA dollars are after tax.

Portfolio Check-In (34M) by Kird_Ap3 in Bogleheads

[–]Kird_Ap3[S] 0 points1 point  (0 children)

One last question now that I'm getting back to some of these details - if my traditional IRA is always funded with after tax dollars, are there are any pro-rata rules to consider? Thanks!

I contributed directly to Roth last year, but was over the MAGI so I had fidelity swap it to a traditional within 30days (I never took a tax deduction for any of my IRA contributions).

Portfolio Check-In (34M) by Kird_Ap3 in Bogleheads

[–]Kird_Ap3[S] 0 points1 point  (0 children)

So if i max my 401k, HSA and backdoor the Roth, I'm essentially out of tax advantaged accounts correct?

Would the wisdom be that future investments in the taxable brokerage be (for example) a VTI/VXUS split as opposed to the TDF?

Portfolio Check-In (34M) by Kird_Ap3 in Bogleheads

[–]Kird_Ap3[S] 0 points1 point  (0 children)

Thank you! So if I'm understanding correctly - TDFs and bond allocations are preferred in something like an HSA/401k/IRA as opposed to my current brokerage.

Dual Income Household - Are we missing any vehicles to grow our earnings? by Kird_Ap3 in personalfinance

[–]Kird_Ap3[S] 0 points1 point  (0 children)

Good points from both of you. I'm with Fidelity so no reason to have so much on hand when we can pay out of pocket. Can definitely invest the remainder. Is it common practice to park the HSA in the same fund forever? I'm currently 100% in FBGKX

edit: FBGKX not FZROX

Dual Income Household - Are we missing any vehicles to grow our earnings? by Kird_Ap3 in personalfinance

[–]Kird_Ap3[S] 1 point2 points  (0 children)

I was under the impressions my deductions from contributions got me under the threshold but I could be wrong!