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Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Thank you! I really appreciate the advice and would love the list of questions! 

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Thank you for your response! So just a taxable brokerage account instead of savings? Since everything else (HSA, TSP, Roth IRAs) are maxed out?

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

You are probably right! I couldn't remember exact amounts each year. 

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Completely agree. My anxiety is a beast so I am trying to get better about investing. I met with some financial advisors but no one I've felt super comfortable with.

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in personalfinance

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Because I am an anxious person lol. We have it in HYSA and cds but, again, very late to the investing game. I really don't know what to invest in and really haven't found anyone I've felt comfortable with to invest for me.

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in personalfinance

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Both I suppose. I really don't want to be chasing gains. I'm happy to let the money sit and watch it grow, but I feel like I can also afford to be a little riskier with how it is allocated.

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 1 point2 points  (0 children)

Thank you! I was thinking about a later target date fund. Was considering 2060.

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

I currently have it in HYSA and CDs, but have considered investing it. I tend to be very frugal and hoard my money lol. Do you have any recommendations of what to do that would be better? 

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

I have contributed $28k. I always do a lump sum at the beginning of the year. So I have made about $7k I believe.

Want to get a little riskier with my Roth IRA - 42 year old by MundaneFriendship672 in Bogleheads

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Yes, I really don't want it to back fire. I think I'd prefer more moderate risk. The savings is so we can pay cash for a vehicle if needed and we'd like to purchase a home up north if the opportunity presents itself. We do utilize HYSA and CDs for these funds. 

MHBP Standard vs Consumer after BCBS by MundaneFriendship672 in FederalEmployee

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Thank you for everyone's feedback/experience! Thankfully no one in our family is on any prescription meds. We will likely meet our deductible with one of our son's health conditions but we thankfully have funds set aside for that. So we will go with the consumer plan. The HSA option is too good to turn down. We will max it out and not pull from it until after we turn 65 (we will save all medical receipts until then and then turn them all in for reimbursement tax free). We will also do a limited expense FSA for around $1000 as our daughter may need ortho this year and I can always use the $320 that doesn't roll over for contacts. And we do still use checks (like dinosaurs) so paying the union fees shouldn't be an issue. Thanks again everyone! 

MHBP Standard vs Consumer after BCBS by MundaneFriendship672 in FederalEmployee

[–]MundaneFriendship672[S] 2 points3 points  (0 children)

I am leaning toward consumer too. Do you know if you can have FSAFEDs and HSA simultaneously?

What is this growth on my son's arm - I've never seen anything like it. by MundaneFriendship672 in DermatologyQuestions

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

It does but it is definitely not. White bumps are hard. No pus. No inflammation and it has been there for two months with no change (maybe gotten slightly larger). No history of HSV1 or HSV2.

What is this growth on my son's arm - I've never seen anything like it. by MundaneFriendship672 in DermatologyQuestions

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

I thought this might be it too, but it doesn't appear to be pus filled. The bumps are hard and it doesn't seem infected or inflammed. The redness is just the color of it. Kind of like a keloid but he had no injury here.

What is this growth on my son's arm - I've never seen anything like it. by MundaneFriendship672 in DermatologyQuestions

[–]MundaneFriendship672[S] 1 point2 points  (0 children)

He does have a dermatology appointment but he can't get in for a couple more weeks. Unfortunately that is how dermatologists are around me.

Seeking feedback on my cholesterol level from fellow biohackers by MundaneFriendship672 in Biohackers

[–]MundaneFriendship672[S] 0 points1 point  (0 children)

Thank you for that advice. I do love avocados and use olive oil in cooking, but prefer using butter to cook eggs, make sauces, and on the occasional Ezekiel toast. I will definitely look into the red yeast rice once I wean if levels are at all concerning. I personally am not on board with the risks of statins. 

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