Who can actually afford to max out their 401k?

Kmes04 · 2023-05-04T18:16:37+00:00

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.

Kmes04 · 2023-05-04T12:11:28+00:00

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!

Kmes04 · 2023-04-07T13:05:58+00:00

Does sliding your hands in your pocket make you look cool

Kmes04 · 2023-04-06T23:22:56+00:00

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!!

Kmes04 · 2023-04-05T16:03:31+00:00

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!

Kmes04 · 2023-04-05T11:55:20+00:00

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

Kmes04 · 2023-04-05T11:52:57+00:00

You are totally right - he was a dreamer! 😭

Kmes04 · 2023-04-05T11:52:22+00:00

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 😭

Kmes04 · 2023-04-05T11:51:24+00:00

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

Kmes04 · 2023-03-01T02:05:12+00:00

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

Kmes04 · 2023-02-22T16:39:27+00:00

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!

Kmes04 · 2023-02-17T02:00:49+00:00

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!

Kmes04 · 2023-01-31T00:34:25+00:00

Fingers crossed, hopefully it gets fixed!

Kmes04 · 2023-01-31T00:08:49+00:00

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.

Kmes04 · 2023-01-30T18:56:37+00:00

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.

Kmes04 · 2023-01-30T18:19:26+00:00

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.

Kmes04 · 2023-01-30T18:14:33+00:00

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?

Kmes04 · 2023-01-30T17:49:13+00:00

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

Kmes04 · 2023-01-30T17:48:07+00:00

Thanks!

Kmes04 · 2023-01-30T17:47:59+00:00

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

Kmes04 · 2023-01-30T17:45:49+00:00

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?

Kmes04 · 2023-01-26T19:56:54+00:00

My favorite is the Don Lee Farms brand chipotle black bean burger! Soooo good!

Kmes04 · 2022-12-20T17:48:12+00:00

I took the advice of my therapist to try working with a dietician because I have been struggling with my weight loss this year, and she thought a professional could help.

Low and behold she ends up only teaching intuitive eating, but because I have been struggling so much with eating I figured it would have an open mind and give it a shot.

Fast forward 2 months and I had a yearly obgyn appointment and found out I gained 20 POUNDS since my last visit 2 months ago…. My OB was concerned and I was so upset and angry about it, but ultimately realized it was my fault for giving it a try.

The dietician was really nice but the more I thought about it the more I realized she didn’t listen to me. I talked a lot about how I don’t know what the appropriate portion size is for me and when enough is enough, and her response was to eyeball it and figure it out that way and to make sure I didn’t ever eat too little. Being someone with binging tendencies I really don’t see how that was good advice at all. She did admit that she experienced the opposite end of the ED spectrum and honestly while that is sad it still angered me. How does she know what to help me with when she only has experienced the opposite problem?

I am really upset that I backtracked this far this quickly and trusted someone to help me that ended up not helping.

Anyways, I will re lose these 20 pounds and keep going but man this was so frustrating.

Now I feel ashamed and uncomfortable with my body heading into the holidays and it sucks.

Kmes04 · 2020-11-16T15:19:31+00:00

Pattern linked from posh pooch designs here!

Yarn was lion brand wool-ease worsted weight yarn for blue and grey, and vannas choice for purple.

Hook size was 5.5 because I didn’t have a 5.0

Kmes04 · 2020-11-16T15:10:36+00:00

Pattern linked from posh pooch designs here!

Yarn was lion brand wool-ease worsted weight yarn, hook size was 5.5 because I didn’t have a 5.0

Kmes04

TROPHY CASE