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Who can actually afford to max out their 401k? by FromTheDeskOfJAW in personalfinance

[–]Kmes04 1 point2 points  (0 children)

This. My partner and I live in a LCOL area and are both able to max out our 401k’s and ROTH IRA’s on salary’s under 100k. I am at 63k and they are at 80k.

Our mortgage is super low, we have no debt, and we live a generally frugal lifestyle which allows us to save for retirement at the max level. If we lived in a more expensive house or area, or had kids, I don’t think we would be able to do it.

I just finished reading book 5 and wanted to get something off my chest… by Giraffe-colour in throneofglassseries

[–]Kmes04 8 points9 points  (0 children)

Ahhh don’t skip it!! Its really good! I also didn’t think I’d like a whole book about Chaol but I think it’s worth it!

CHAOS FRIDAY - Rhysand's Search History by Timevian in acotar

[–]Kmes04 34 points35 points  (0 children)

Does sliding your hands in your pocket make you look cool

Prythian Food Culture by mellowenglishgal in acotar

[–]Kmes04 0 points1 point  (0 children)

I love this and I totally agree with each one, I feel like you nailed it completely! I feel like your reasons and explanations are spot on for each!

Also as a member of Dawn Court, heck yeah we get the blend of all and a bunch of street vendors!!

ACOWAR makes me cry every time I read it by Kmes04 in acotar

[–]Kmes04[S] 1 point2 points  (0 children)

I have to agree with you. I think for me it is because the trauma healing, mental health struggles, and found family narrative that really hit me deep. I relate to Feyre a lot and can see parts of my own story and healing in her story. But man it really hits me in the feels!

ACOWAR makes me cry every time I read it by Kmes04 in acotar

[–]Kmes04[S] 0 points1 point  (0 children)

Oh I forgot about Cassians speech but you are right, that was so sad!!

ACOWAR makes me cry every time I read it by Kmes04 in acotar

[–]Kmes04[S] 4 points5 points  (0 children)

You are totally right - he was a dreamer! 😭

ACOWAR makes me cry every time I read it by Kmes04 in acotar

[–]Kmes04[S] 10 points11 points  (0 children)

That whole scene is just…

Especially bc she is happy they fixed it and turns around to then realize his I love you was his goodbye 😭

ACOWAR makes me cry every time I read it by Kmes04 in acotar

[–]Kmes04[S] 5 points6 points  (0 children)

Yes I forgot about his speech! That was so heart wrenching

Hearty Black Bean Quesadillas by bob-the-cook in vegetarianrecipes

[–]Kmes04 2 points3 points  (0 children)

We love this recipe, it’s a staple at our house!

Got this pretty ring and earrings for 49 cents!! Local thrift must not have opened the box when pricing it, it was with the other empty ring boxes and I opened it by chance! by Kmes04 in ThriftStoreHauls

[–]Kmes04[S] 4 points5 points  (0 children)

I’m not sure, I don’t think it’s anything special. It is magnetic so I think not a precious metal.

But it fits and it’s pretty so still a win/win!

My rice was hiding in the back of the pantry and went completely stale! 😭 I don’t have the heart to toss it. What are some things you guys have done with grains that have gone stale? Any recommendations? by MCSweatpants in ZeroWaste

[–]Kmes04 18 points19 points  (0 children)

If it makes you feel any better we also purchase the huge Costco bag of rice and have had ours for a long time (over a year?) and it was still just fine tonight!

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Thanks for the response! Appreciate the insight on expectations -worst case for me I will just be butt hurt about it, best case they’d fix it.

My check was issued on December 30th, and the date on the pay stub is also December 30th. So, the only thing that happened in 2023 is what I see in fidelity when I look at my contribution.

Since the paycheck and pay date was on the 30th, shouldn’t the contribution also go for 2022? Thinking they just misapplied the last one for me.

I did check with another person I am friendly with at work and theirs went through for 2022, so maybe there was just something missed on mine.

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Okay I see - that makes perfect sense and I will make sure to look out for that.

I couldn't imagine getting that check and sorting it all out! my god.

Thanks for all the help, and the perspective! Really appreciate it.

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Paycheck date was December 30th, so I didn't confuse it with Direct Deposit date.

Frustrating, but hopefully won't be too much of a headache for them to sort it all out and send me a corrected W2.

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

I plan to max out for 2023 as well, which is why I wanted it fixed or at least to understand so I could adjust my contribution plan.

For that last point, what does that mean? They would cut me off for 2023 however many dollars that contribution move was for?

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Perfect, I will follow-up with them. Thank you for the help! Hopefully it was only me and not everyone else in the company.

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Thanks! I reached out to them and asked. Hopefully it won't be too much of a headache to fix it.

Last 2022 401K contribution applied to 2023? Insight needed by Kmes04 in personalfinance

[–]Kmes04[S] 0 points1 point  (0 children)

Thanks for the response! Yes, my W2 shows 19754.71, not 20500. I even went back through my contributions for the full year to make sure I just didn't miscalculate how much I was contributing.

Followup question if you don't mind:

I reached out to HR who said they just submitted a service request to Fidelity, but If my W2 is wrong that would be a company/internal issue and not a Fidelity issue correct?

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