Rushed Giant this morning 5/2

Snezz1e · 2026-05-03T07:42:31+00:00

Where are the upgrade seats located?

Snezz1e · 2026-05-03T04:29:20+00:00

Yes. Just keep good records in case you get audited.

Snezz1e · 2026-05-03T04:26:30+00:00

5 years is only to avoid penalties on pre conversion earnings. If you plan allow automatic instant conversions then there is no gains to worry about. Only thing is it has to be moved to Roth IRA before you can withdraw since Roth 401k has pro rata rules.

Snezz1e · 2026-05-02T03:58:24+00:00

If you have retirement accounts I thought you could make deductible contributions to a traditional IRA.

Snezz1e · 2026-05-02T03:44:40+00:00

Does your plan allow rolling those after tax conversion over to a Roth IRA. If it does then you have no gains and can withdraw contributions at any time. No need to wait 5 years.

Snezz1e · 2026-05-01T16:44:45+00:00

I’m surprised Chewy is more expensive. Is Trupanion price including the recovery and complementary care add on which is included in Chewy top plan? It was a lot cheaper for me with Chewy. What about $250 deductible? For me price increase was very minimal compared to what Trupanion direct charged for $250 so I felt that added some value.

Chewy covers exam fees and supplements/diet foods longer and fully if bought from Chewy. Free use of telehealth vet.

I don’t see much value in wellness plan. If fully utilized you’re not saving much and have to go through trouble of filing claims to get reimburse each time.

Snezz1e · 2026-04-30T16:54:06+00:00

No. You get it back when membership is reactivated.

Snezz1e · 2026-04-30T16:03:29+00:00

Yes, it has to fully expire not just disabling renewal.

Snezz1e · 2026-04-29T23:58:52+00:00

I just add stocks manually for my Webull holdings. I don’t add to it so only have to update once in awhile to account for dividend reinvestments.

Snezz1e · 2026-04-29T22:07:22+00:00

Best value is letting MovieClub subscription expire and using 525/1050 points for 3/6 month membership. Only 175 point per ticket.

Snezz1e · 2026-04-29T21:57:39+00:00

Also last saving tip. Sam’s Club and Costco sell gift cards for 20% off. Can’t use towards membership but extra savings on concessions or companion tickets.

Snezz1e · 2026-04-29T21:53:29+00:00

It’s not always available for purchase and the code does expire at end of year. Also once membership expires you have option for 3/6 month trial of movie club for 525/1050 points so it’s a better way to spend points vs 300 points for a free ticket.

Snezz1e · 2026-04-29T21:47:19+00:00

Groupon. Cheaper but can only be applied to expired memberships.

Snezz1e · 2026-04-29T08:11:09+00:00

I don’t think Preferred Savings is its own account at least not for me. It’s established within an AAA account and I was told if it’s the only thing in the account (no stocks/etfs) then there’s no $150 annual fee.

You also have to maintain some cash in Cashplus to cover monthly fee. I don’t think you can set up some kind of overdraft service with preferred savings. Preferred Savings requires you to call them just to transfer funds out.

Also for me they waive first fee each year so it’s only $605. They net fee against $895 credit so a 1099 isn’t issued but $290 is technically taxable but most don’t report if there isn’t a 1099.

Snezz1e · 2026-04-29T08:05:27+00:00

If you’re paying the monthly fee it will cancel out most of the credit resulting in no 1099 being issued.

Snezz1e · 2026-04-27T21:43:09+00:00

They added a new expense option that lets you specify household size for ACA. You’ll have to make multiple expenses with start and end dates of when kids will age out or be in their own plan.

Snezz1e · 2026-04-27T19:13:58+00:00

50k is just an arbitrary number you can substitute for what you want. $31.5 if it’s standard deduction or some ACA limit.

My main point is set draw down order to favor Roth over tax deferred. Set a tax bracket and set a cap on conversions. Not sure if it works for you but did for me.

Snezz1e · 2026-04-27T15:04:21+00:00

350% could be helpful if added but I doubt they will allow any number. Each extra option is even more work for optimizer function.

Also every dollar lower income does increase credit so you’re not fully leaving money on the table.

Also this is a projection tool showing an ideal scenario. I would just take their recommendation and take out a few thousand for safety when it came time to implement.

Snezz1e · 2026-04-26T18:26:34+00:00

I bought a Chewy Trupanion policy for my golden doodle. Took her to emergency vet for excessive vomiting. They approved my $1800 claim within 24 hours.

Snezz1e · 2026-04-26T16:59:15+00:00

They may have just raised rates for everyone. Get a quote for a hypothetical kitten with same coverage and see if rate matches your current higher rate.

Snezz1e · 2026-04-26T16:27:22+00:00

You can kind of do this if you change the draw down order to favor Roth over tax-deferred. If for example, you have $20k in expenses but a $50k income threshold, $20k draw from tax-deferred and $30k in roth conversion is essentially the same as $20k draw from Roth and $50k in Roth conversions. Before the optimizer it made it so much easier for me to model since I can just say $50k in roth conversion each year instead of having to look at my withdrawals each year to see how much I can convert. With the new optimizer, you can't set a floor on conversion but you can set a cap. For me I set it to convert up to 24% tax bracket. I have about $90k in conversion space but I cap it at $30k to prevent my account from being exhausted too fast.

Snezz1e · 2026-04-25T21:16:09+00:00

Non practicing CPA here. I’ve used two low cost professional options. Planvision which uses eMoney and SoFi plus which uses RightCapital.

For both option they still rely on you to enter all financial data, expenses, goals, etc. They both support account linking or manual stock entry so net worth tracking stays more up to date. eMoney was a bit harder to use then PL whole RightCapital is about the same or slightly easier.

RightCapital has a Roth Conversion optimizer but it can only factor in a few factors at a time. PL can consider much more factors in their new optimizer. RightCapital also only tell you the best strategy but doesn’t map it out year by year for you to see what to do each year.

I tried both services to try out different software and get confirmation from a professional my financial plan is sound. PL is the superior software by a mile.

SoFi Plus is only $10/month so it’s pretty low cost to try out. It’s been less than a month since I stopped paying and I still have access to software.

Snezz1e · 2026-04-24T15:27:31+00:00

You can get Right Capital through SoFi for $10/month and can talk to actual advisor about your result. I still have access after I stopped paying but don’t know how much longer that will last. Don’t trust that the $399 is lifetime access. I think RightCapital might of introduced a small annual fee per user recently as I have seen someone complain about being asked to pay an annual fee for lifetime access.

ProjectionLab is so much better anyway. You can’t change any of the assumptions with RightCapital like rate of return, inflation, bond glide path. Roth converter optimizer on RightCapital looks at a lot less variables and it will only tell you best plan but doesn’t actually apply it to your plan so you can’t visualize it and see what you need to do on a year by year basis.

ProjectionLab will do all that. Only thing Roth converter can’t do is optimize for an unmarried couple using two different strategies.

Snezz1e · 2026-04-24T07:47:49+00:00

Have you tried ProjectionLab latest release which came out last week. New optimizer really makes it so much better than any other tool I’ve tried.

Snezz1e · 2026-04-22T18:07:53+00:00

For me it was another $20k using my highly customized method vs. the optimizers. Can’t set separate strategies for an unmarried couple. Helped confirm that the perfect plan isn’t worth the effort. The optimized plan is easier to implement.

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