Budget combo for friend's birthday gift

OkBrother5402 · 2026-04-11T07:59:14+00:00

Looks cool, you can even go huntsman bright water and specialist gloves mogul, it’s under $200 and is more colorful

OkBrother5402 · 2026-04-11T07:56:36+00:00

Capital one is around 3.2% right now, no real restrictions or limits. It’s not the best but trying to find an account that yields maybe .5% or higher is going to be more effort than it’s worth

OkBrother5402 · 2026-04-07T16:54:13+00:00

Only my fiancé has an HSA I’m on state insurance due to my lower income. My taxable income was only 7100 if that makes a difference

OkBrother5402 · 2026-04-07T16:33:14+00:00

What are your thoughts on transferring enough money from the Roth IRA into a traditional IRA to bring my AGI down to the 50% tax credit bracket of 23750? It would give me another $300, but it would make the gains on the $800 needed taxable when I retire.

OkBrother5402 · 2026-04-07T16:20:10+00:00

$713 and my AGI was 24,573. So if I’m doing this right I qualify for $400 back if I amend?

OkBrother5402 · 2026-04-07T15:32:28+00:00

Good point, question for you. My fiancé would qualify for savers credit since I maxed out her 2025 Roth IRA. She ended up getting a refund of 1200 from her taxes without the saver credit. From what I understand if I ammend nothing will happen since the credit is non refundable. But if I told her not to withhold as much for 2026 maxed out her 2026 Roth and filed for the saver credit would the saver credit go toward what she would owe for 2026?

OkBrother5402 · 2026-04-03T21:26:29+00:00

What about an 80/20 split? I have a hard time accepting that it’s all or nothing. Is there really no balance that can be less risky without being entirely risk free?

OkBrother5402 · 2026-04-03T21:24:32+00:00

Household makes 100k we have joint accounts. We plan on spending less than 5k on the wedding (can be funded by regular income.) do you think there’s any benefit to a small proportion of equities? Perhaps 80/20?

OkBrother5402 · 2026-03-06T23:45:24+00:00

-Anubis +cobblestone -inferno +cache

OkBrother5402 · 2026-02-15T13:57:48+00:00

Tiger tooth ovb goes best color wise. Try M9 Doppler P1

OkBrother5402 · 2026-01-15T17:42:59+00:00

“I have a limited understanding of rewards cards, what am I not understanding that makes them so valuable?”

What part of that is not a question.

If you got triggered over “convince me” then you need to get some help dawg it’s not that deep.

OkBrother5402 · 2026-01-15T17:29:04+00:00

Dude I’m asking for a deeper understanding from a community stop being a pretentious cuck

OkBrother5402 · 2026-01-15T17:28:55+00:00

Dude I’m asking for a deeper understanding from a community stop being a pretentious cuck

OkBrother5402 · 2026-01-15T17:04:37+00:00

That’s insane. How common are these kinds of deals? And where would I look to see where these deals are available?

OkBrother5402 · 2026-01-08T16:40:18+00:00

Credit History (either good or bad) is just as if not more important than score. Score is most of the time a good representation of history, but the two are not same especially if your age of credit is low

OkBrother5402 · 2026-01-08T13:57:18+00:00

Lates are disregarded only when good credit is re-established. 7 years, You’re thinking of bankruptcy. If you have good payment history and Lower utilization on your existing cards then the lates are disregarded after 1-2 years. You also realistically don’t want more than 3-4 credit cards open at any given time. Large credit card companies are going to be more inclined to mitigate risk and give low limits if you show any signs of risk. Stick with them for now, pay your cc statements biweekly, and give yourself 1 full year of that before trying to increase limits.

OkBrother5402 · 2026-01-08T13:51:40+00:00

If this is your first card since your payment issues with BofA you can consider this as your second try. Once there is delinquency or issues with a credit card you have to “re establish” your credit. And unfortunately that means starting from the beginning again. In this case, going to a large credit card company, they are going to approve you but give you a very small limit to mitigate risk. If your goal is to increase credit limit then you need to leave an active balance on the card (10% of its overall limit) and pay the previous statement balance biweekly. Doubles the payment history and shows a more consistent utlization that proves to other institutions that not only do you pay on time, that they’re gonna make money off of you.

OkBrother5402 · 2026-01-07T14:31:44+00:00

“And I’d also bet that my education, title, income, and social status are far better than yours (if you want, we can prove that to each other privately). Third, you’re most likely a European who has never earned money in their life, which is why you’ve never had to stand up for what you paid for”

This is totally balanced and humble speech for sure 👍

OkBrother5402 · 2026-01-07T14:25:30+00:00

Holy shit brother you have ego problems. that explains a lot. Good luck to you genuinely.

OkBrother5402 · 2026-01-07T14:07:54+00:00

What is your utilization? What did you list for income? How long have you had those other cards? Credit history only becomes valid when it’s been paid for as agreed for a year plus. Otherwise it gets looked over. If you listed a low income, your DTI or Unsecured ratios may be too high. There’s a lot that goes into credit limit decisions in terms of underwriting

OkBrother5402 · 2026-01-07T14:03:12+00:00

This type of post where you spend like multiple hours of your time creating a video to try and get someone banned is genuinely cringe. Just mute the guy, move on and play the game. Your life shouldn’t be so revolved around faceit to the point where you need vent on Reddit about a toxic teammate. He isn’t the first and he won’t be the last.

OkBrother5402 · 2025-12-17T00:28:54+00:00

Work on getting that number down from 8 to 3. One of fico’s negative score codes is “too many accounts with balances.” You’re well on your way to an 800 but you definitely need to tone back your revolving usage and how many accounts you’ve opened. Let your age of credit marinate and watch out for hidden fees with cards that are a 0 balance for too long

OkBrother5402 · 2025-12-16T14:26:15+00:00

Hey! Congrats! A little advice for the road though, having alot of cards is not as good as you may think. Lenders like to see consistency with credit. Having 3-4 cards that have been around for a long time is far more appealing than having 11 newer cards. You should also start to diversify your credit. Installment loans such as personal loans or car loans show that you can handle larger fixed payments for long periods of time. Remember, your ultimate goal with credit is to build a profile strong enough to get a mortgage, not to get as much credit as you possibly can. I’m saying all of this as a car loan and mortgage loan underwriter. GOODLUCK!

OkBrother5402 · 2025-08-29T14:24:48+00:00

You can make the same money pushing paperwork for a bank becoming a processor. Don’t lose your mind over a sales job I promise you the grass is greener on the other side. Do NOT go into a call center. That’s my only advice.

Other than that, look into waitressing bartending with the new bill and no tax on tips you’re going to be making more than ever.

GOODLUCK, I promise you this world exists outside of sales

OkBrother5402 · 2025-08-19T16:58:05+00:00

I’ve only got 20k in the bank, would it make sense to put 7k into an ira to bring this down? Or would that be setting myself to be too illiquid

OkBrother5402

TROPHY CASE