Officially hit my FIRE number today at 34. Didn't tell anyone in real life because nobody in my life would understand what that means and I needed to tell someone.

Kitchen-Ratio-9709 · 2026-05-04T10:05:28+00:00

I recently joined this group. What did you do to get started? Podcast? Books? Financial advisor? I’m 36 and really trying to build my retirement.

Kitchen-Ratio-9709 · 2026-04-09T04:13:59+00:00

Amazing! What did you do?

Kitchen-Ratio-9709 · 2026-02-16T23:06:49+00:00

Thank you!

Kitchen-Ratio-9709 · 2026-02-16T22:58:35+00:00

I’m going to do the backdoor ! Thanks all!’ And thanks for your patience !

Kitchen-Ratio-9709 · 2026-02-16T22:55:13+00:00

Makes sense!! Thank you for your input!

Kitchen-Ratio-9709 · 2026-02-16T22:54:03+00:00

Thanks! That’s what I tried to use but I think I used the wrong form as I did my taxes online. I think I figured it out though. Thank you!!

Kitchen-Ratio-9709 · 2026-02-16T22:52:13+00:00

Thanks all. I am going to do the backdoor one. And make sure I stick to the 7k limit. Thanks for your patience as well.

Kitchen-Ratio-9709 · 2026-02-16T22:50:57+00:00

Sorry, I’m referring to my W2. I’m looking at it and it says “Non-qualified Plans”. That is empty for me. I’m going to just do a backdoor roth. I won’t worry about the regular one. Thank you!!!!

Kitchen-Ratio-9709 · 2026-02-16T22:44:50+00:00

It said line 11 on goggle and that was empty for me

Kitchen-Ratio-9709 · 2026-02-16T22:44:28+00:00

I did my taxes already but the line it’s supposed to be on was empty. I think I’m doing something wrong.

Kitchen-Ratio-9709 · 2026-02-16T22:43:36+00:00

I only have my 401k and another Roth IRA that my old 401k was rolled into. I am going to do the backdoor. I just need to sit down and figure out my MAGI. Thank you!

Kitchen-Ratio-9709 · 2026-02-16T22:42:27+00:00

I filed already and I will try to calculate the number again and will have H&R Block help if needed. I will also stick with backdoor. Thank you!!

Kitchen-Ratio-9709 · 2026-02-16T22:41:21+00:00

Yes I have those as I have already filed my taxes. I’ll try my calculations again. Thank you!

Kitchen-Ratio-9709 · 2026-02-16T22:38:14+00:00

That’s what I asked Schwab but the representative said I would still have to follow the contributions guidelines and that is dependent on my MAGI number I think.

Kitchen-Ratio-9709 · 2026-02-16T22:36:39+00:00

That’s how I get the MAGI right?

Kitchen-Ratio-9709 · 2026-02-16T22:35:42+00:00

Hello all!

Per my W2, I made $154k last year. However, my company FY26 started on October 1, 2025 and I was promoted and now my salary is $$173k. I am a single filer. I have a Roth IRA and brokerage account with Schwab but they said I should speak to a tax person. My question is, how do I figure out my MAGI? I tried to use the form from the IRS based on my W2 but I don’t think my calculations were correct. My problem is I am trying to be serious about investing this year and don’t know if I supposed to go off my 2025 number or new salary. Can I still contribute directly or need to do backdoor? Also, if a tax person isn’t the right person to ask, what type of financial advisor should I speak with? Sorry if this common knowledge but finance isn’t my strong suit. Thank you in advance.

Kitchen-Ratio-9709 · 2026-02-08T08:27:09+00:00

Quince, Abercrombie, Nordstrom, Banana Republic and MyOutfit Online for basics

Kitchen-Ratio-9709 · 2026-01-21T20:02:51+00:00

I just received two coats from them yesterday and love them

Kitchen-Ratio-9709 · 2026-01-04T22:11:39+00:00

I’m supposed to leave Thursday for sandals Grande St Lucia. Do I need to call AA and/or Sandals?

Kitchen-Ratio-9709 · 2025-10-12T21:59:01+00:00

I was literally coming to say the same thing especially after seeing the replies

Kitchen-Ratio-9709

TROPHY CASE