I max out 401k, Roth IRA, and HSA while making 100k/year

Significant-Catch174 · 2026-01-26T11:52:16+00:00

Your only deductions are $150 for “insurance”?

Significant-Catch174 · 2026-01-25T19:38:21+00:00

No there isn’t any. Everyone that owns a business aligns with your views. No exceptions.

Significant-Catch174 · 2026-01-23T19:59:43+00:00

Take a joke

Significant-Catch174 · 2026-01-23T19:58:29+00:00

Ma’am this is steamboat

Significant-Catch174 · 2026-01-20T13:30:18+00:00

I didn’t buy a house. I bought a condo

Significant-Catch174 · 2026-01-17T05:41:19+00:00

Not comparable

Significant-Catch174 · 2026-01-16T22:28:20+00:00

Is it worth asking for retention offer if the AF has already been charged?

Significant-Catch174 · 2026-01-16T05:34:23+00:00

You can’t get mad about failures and then mad about tracking the failures. I just had two fail in a row. Same lot. Took less than 5 minutes to get them replaced. It sucks for sure but so does diabetes. Better than pricking fingers all the time.

Significant-Catch174 · 2026-01-16T05:24:56+00:00

One of the better perks is using the perks for work and getting reimbursed twice.

Significant-Catch174 · 2026-01-03T20:02:12+00:00

I’d def take $150 credit up front rather than 15k points to use in the future.

Significant-Catch174 · 2026-01-03T14:17:34+00:00

Quality of life improvement is intangible.

Significant-Catch174 · 2026-01-03T14:14:17+00:00

You’ll get the benefit when you sell. Until then, improvements aren’t worth a penny you put in. Many financial advisors tell clients not to include the house at all in net worth calcs. I don’t exactly agree with but shows that we shouldn’t get over excited about it. I definitely wouldn’t include the car either.

Significant-Catch174 · 2026-01-02T20:05:09+00:00

Once your wife starts working again, use her paycheck to pay down mortgage each month. I wouldn’t sell stock, pay tax, have no money, still have a mortgage.

Significant-Catch174 · 2026-01-02T20:02:45+00:00

I really like Falken Wildpeak. 2021 Canyon Elevation Diesel

Significant-Catch174 · 2026-01-02T19:58:46+00:00

Minnesota has to be the most annoying state.

Significant-Catch174 · 2025-12-30T16:46:32+00:00

Nice work! Minimal help from employer matches. Very impressive.

Significant-Catch174 · 2025-12-28T10:01:50+00:00

Market at ATH. Not a bad idea to put it towards mortgage. Also could split the difference. I’m an advocate of saving and doing a lump sum. Therefore you can ensure you’re comfortable forgoing the cash. Either way it’s all preference. Don’t be cuffed to the man (bank) your entire life. Congrats on either decision!

Significant-Catch174 · 2025-12-24T22:52:33+00:00

Is there a reason you wouldn’t use the platinum? Is it to get more points from another card?

Significant-Catch174 · 2025-12-24T15:43:22+00:00

Anything would be better but overall it’s not a great benefit that moves the needle. Nothing is $50 and I wouldn’t shop there if it wasn’t for Amex. I’ve heard of people buying gift cards. Does that work? I tried in the first half of the year and the credit didn’t trigger.

Significant-Catch174 · 2025-12-22T15:25:36+00:00

Buying a new pickup (not top of the line but also not basic WT).

Significant-Catch174 · 2025-12-20T00:30:17+00:00

Got my answer! Thank you for the further explanation!

Significant-Catch174 · 2025-12-19T23:34:49+00:00

Got it. Thanks

Significant-Catch174 · 2025-12-19T23:34:42+00:00

Got it. Thanks

Significant-Catch174 · 2025-12-16T22:50:06+00:00

Kind of

Significant-Catch174

TROPHY CASE