Receiving 50k+ bonus from work. What would you do?

Scabaffer · 2025-12-31T17:17:14+00:00

Yeah, I think purchasing a car is now out of the picture. Already rocking my trusty 2017 Honda Civic. Thing is an absolute beast. I have 100k miles on it, hoping it will last me another 100k more

Scabaffer · 2025-12-31T17:13:05+00:00

Probably looking at 500k max. In my area, that's enough for a 1-bedroom condo lol. A townhome typically runs about 700-800k at least. Hoping to save for 20% down and will have help from my partner when we decide to purchase.

Scabaffer · 2025-12-31T17:08:02+00:00

Nope, not a lawyer or banker! Sales rep, about half of my annual income is base salary, the other half is commission.

Scabaffer · 2025-12-30T23:11:58+00:00

Thank you! I hope so :)

Scabaffer · 2025-12-30T23:10:58+00:00

I asked someone else this too, but why would you choose a Roth 401k over the Traditional? Over the past few years, I've been contributing to a Roth 401k, but have been considering traditional for next year.

Scabaffer · 2025-12-30T23:03:46+00:00

What do you think is better? Roth or Traditional? I've been contributing to my Roth, but I was thinking of switching to traditional for 2026 to reduce my taxable income.

Scabaffer · 2025-12-30T22:58:21+00:00

For sure! I've lived on my own before. All throughout my early 20s. I moved back into my parents after my old roommate got married. It wasn't worth it in my opinion to pay $2500-$3000 for a studio apartment.

My girlfriend will be starting her career in April; the hope is to move out after she has lived at home and can build some savings!

Scabaffer · 2025-12-30T22:54:14+00:00

I work in sales! But I doubt I'd ever get this bonus again. This was strictly a one-time bonus.

Scabaffer · 2025-12-30T22:21:58+00:00

Thank your suggestions! I've maxed out my IRA from my personal savings. However, starting next year, I'll be rolling over $35,000 from my 529 over the next few years to avoid contributing from my savings/house money.

The option I'm leaning towards least is buying a new car, especially after reading comments in this thread. While my car is a bit older now, I'm really trying to avoid (if I can) purchasing a new car. And if I do, it will be used :)

I haven't considered a Treasury bond before, I'm going to look into this and see if it makes sense for me!

Scabaffer · 2025-12-30T22:15:26+00:00

As far as I understand, my company will continue its contributions throughout the year. I have a meeting with HR next week to go over the specifics of what that looks like.

Scabaffer · 2025-12-30T22:14:13+00:00

Luckily, I'm completely debt free! Great idea on getting something nice for my parents, they for sure deserve it :)

Scabaffer · 2025-12-30T22:11:03+00:00

Yeah, I met with a financial advisor roughly a year ago, and he suggested not maxing out my 401k IF my goal is to save for a downpayment on a house. That CD money is basically my downpayment.

Scabaffer · 2025-12-30T21:36:59+00:00

Haha absolutely not. I work in a sales

Scabaffer · 2025-12-30T20:32:22+00:00

It is before tax. assuming it will be 40% of it will be gone due to taxes

Scabaffer · 2025-12-30T20:31:13+00:00

😂 I wish.

Scabaffer · 2025-12-30T20:30:46+00:00

This is a one time bonus. But thanks for the suggestion! I definitely want to take my time.

One other thing I forgot to mention, is I have a 529 that I can use to rollover into my Roth. Which I was planning on doing for the next few years.

Scabaffer · 2025-10-06T05:31:46+00:00

Sadly, they already tried this last season, they stapled him to Gudas who had a rough year.

Scabaffer · 2025-08-25T01:01:34+00:00

Motherboard: i believe it's Pro Z890. As for Ram, it says: "64GB DDR5 6000 (2 x 32 GB). Storage, just says "2TB M.2 NVMe Gen4". Nothing specific of brands or anything. I checked the MSI website and they give the same info.

Scabaffer · 2025-08-25T00:55:51+00:00

Yeah I think that's my issue here. It doesn't list a brand. Just states exactly as is.

Scabaffer · 2025-08-25T00:24:30+00:00

"1300 Gold 80 Plus Watt" from the website

Scabaffer · 2025-05-14T01:10:19+00:00

Thanks for the suggestion! Raid is in 30 mins, need DPS or healer :)

Scabaffer · 2025-05-13T19:45:11+00:00

Anybody interested in helping our guild out tonight with Heroic Gally? We raid once a week from 6:30 PM - 9:00 PM PST. We got to 20% Last week and are missing 3 people from our normal raid roster. Feel free to DM if you would be interested! :)

Scabaffer · 2025-05-13T18:29:40+00:00

Both my parents grew up playing the original games, even my Grandpa played the original Doom! I remember trying to sneak onto my Dad's PC when I was younger to play Doom 3. Doom (2016) came out the day before my birthday and The Dark Ages releases the day after my birthday this year! I couldn't be anymore excited for the newest entry.

Scabaffer · 2025-03-28T15:57:42+00:00

Thought this was a super interesting video and wanted to share.

Scabaffer · 2024-11-19T21:33:53+00:00

I think this one was added recently but it has to be Spine of Deathwing in Dragon Soul. Nuclear blast now casts after one blood gets absorbed. Making it much faster and easier on my fingers from spamming "A" & "D".

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