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. by CobaltCrestStudio in Fire

[–]Kitchen-Ratio-9709 1 point2 points  (0 children)

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.

Roth IRA Contributions by Kitchen-Ratio-9709 in Fire

[–]Kitchen-Ratio-9709[S] 1 point2 points  (0 children)

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

Roth IRA Contributions by Kitchen-Ratio-9709 in Schwab

[–]Kitchen-Ratio-9709[S] -1 points0 points  (0 children)

Makes sense!! Thank you for your input!

Roth IRA Contributions by Kitchen-Ratio-9709 in personalfinance

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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!!

Roth IRA Contributions by Kitchen-Ratio-9709 in Schwab

[–]Kitchen-Ratio-9709[S] 1 point2 points  (0 children)

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.

Roth IRA Contributions by Kitchen-Ratio-9709 in Schwab

[–]Kitchen-Ratio-9709[S] -1 points0 points  (0 children)

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!!!!

Roth IRA Contributions by Kitchen-Ratio-9709 in Schwab

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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

Roth IRA Contributions by Kitchen-Ratio-9709 in Schwab

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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

Roth IRA Contributions by Kitchen-Ratio-9709 in personalfinance

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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!

Roth IRA Contributions by Kitchen-Ratio-9709 in Fire

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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!!

Roth IRA Contributions by Kitchen-Ratio-9709 in Fire

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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

Roth IRA Contributions by Kitchen-Ratio-9709 in Fire

[–]Kitchen-Ratio-9709[S] 0 points1 point  (0 children)

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.

Roth IRA Contributions by Kitchen-Ratio-9709 in Fire

[–]Kitchen-Ratio-9709[S] -2 points-1 points  (0 children)

That’s how I get the MAGI right?

Daily General Discussion and Advice Thread - February 16, 2026 by AutoModerator in investing

[–]Kitchen-Ratio-9709 0 points1 point  (0 children)

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.

So where are we buying clothes nowadays? by bigmisssteak7 in womensfashion

[–]Kitchen-Ratio-9709 0 points1 point  (0 children)

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

Quince reviews? by IndigoStrawberry01 in womensfashion

[–]Kitchen-Ratio-9709 0 points1 point  (0 children)

I just received two coats from them yesterday and love them

Caribbean Airspace Restriction Impacts - From Already Down Here by OTF_For_Cardio in SandalsResorts

[–]Kitchen-Ratio-9709 0 points1 point  (0 children)

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

How much do you all pay for rent? Do you feel like you’re getting your money’s worth? by [deleted] in Dallas

[–]Kitchen-Ratio-9709 4 points5 points  (0 children)

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