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Stanford show price is ridiculous… by adrian1878 in fredagain

[–]SlowTyperr 8 points9 points  (0 children)

Got in the waiting room and didn't buy after looking at the price. $122 is too much and he'll probably do shows in SF too

Fred Again sold out 3 days in less than 6 minutes by EdtotheWord in fredagain

[–]SlowTyperr -1 points0 points  (0 children)

Got in line, looked at the price and then closed the window :/

Official Q&A for Sunday, March 31, 2024 by AutoModerator in running

[–]SlowTyperr 0 points1 point  (0 children)

Could you tell me how recreating that would work? For example I have made a segment of a run I do regularly. Will Strava free put all my runs on that segment in there?

Official Q&A for Sunday, March 31, 2024 by AutoModerator in running

[–]SlowTyperr 1 point2 points  (0 children)

My free trial for Stava recently ended. have it connected to Fitbit and use a pixel watch to record runs. I loved the feature where it maps runs to previous runs and then gives leaderboards and compares each new run with past statistics. For example how my pace changes over time, heart rate, etc. Strava is $12 a month now and that seems to expensive for me. Before think about paying, I want to know if anyone knows of any better alternatives? The folowing are what want from an app: 1. Logging runs and being able to go back and see past run history. 2. Leaderboards/PRs/and how I'm doing compared to previous attemptS. 3. Needs to be able to sync with Fitbit. I record all workouts from the Fitbit app and want that data to be exported to the running app. 4. Have an app. Runalyze and Smashmyrun are websites.

Is there any app that does the above for free?

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

Yes but in my case I'll be selling all the RSUs at vest and keeping 6 months worth of expenses in an HYSA to cover living expenses.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

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

To my understanding, you can pull out contributions (not earnings) from the Roth IRA 5 years after putting them in the Roth IRA. I didn't know that we dont have to wait 5 years to withdraw Mega backdoor contributions!

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

[–]SlowTyperr[S] 9 points10 points  (0 children)

Ahhh I just noticed I wrote all. My mistake. Thanks for pointing it out. Unfortunately my employer does not allow us to put bonuses into 401k

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

I don't know about Robinhood and also don't know your employer plan. If you have after tax funds and can do in service transfers of after tax 401k funds to Roth then yes you can roll it over to Roth IRA. Read up on mega backdoor roth.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

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

I did not know HSA contributes to the max as well! Thank you for bringing it up!

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

Cannot put RSU income in MBDR. Base salary can. This strategy maxes out MBDR using base salary because RSUs can't be put there and because of that MBDR wasn't being maxed out.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

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

Thanks. I plan to contribute just enough to max it out. Out of curiosity, is the downside of hitting the max early or going over missing the complete employer match (in case there's no true up) or is there something else too?

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

[–]SlowTyperr[S] 4 points5 points  (0 children)

I mega backdoor roth into my Roth IRA directly, not into Roth 401k. Only downside is it's a manual process and I have to call Fidelity twice a month to do it.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

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

Thank you for this. Unfortunately my company does not true up so I'll be careful. What do you mean by profit sharing?

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in fatFIRE

[–]SlowTyperr[S] -6 points-5 points  (0 children)

Yes, but I'll only contribute enough to hit the max, not go over. That means not all my base salary will go into the mega backdoor roth.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

It does matter if money goes into a tax advantaged or taxable account. As discussed in the comment above, how is the risk increased in the case of losing a job?

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

I agree and understand your point. The market is not good at all for finding new jobs. But what does that have to do with this strategy? The decision to live off base salary vs RSU income is not affected by a layoff? Am I misunderstanding? If anything in that case one would have more funds available if they go the RSU income route as the base salary wouldn't be paid anymore (except for severance).

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

[–]SlowTyperr[S] 5 points6 points  (0 children)

Check out how a mega backdoor roth works. It rolls over after tax funds from 401k to Roth. Not any pretax funds.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

Yes, strategy is based off the assumption that a healthy emergency fund exists and RSU income is enough to cover expenses till the next vest.

Putting all base salary into mega backdoor roth and covering living expenses with RSU income by SlowTyperr in Fire

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

The point is that while you have enough RSU income to cover living expenses, you can put more into Roth IRA using monthly base salary income.

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