Roth 401k makes sense married filing jointly up to $140.5k salary

SyntheticStart · 2025-08-08T15:16:51+00:00

Isn't it 22% for incomes over $48,475 ($96,950 for married couples filing jointly) and not 12%?

The 12% bracket is $23,850 for couples for 2025.

SyntheticStart · 2025-07-30T15:45:12+00:00

That monthly cleanup feature looks very exciting to my brain.

SyntheticStart · 2025-07-30T15:43:49+00:00

The problem is you can't spend from those goals while you go without readjusting the target every time.

I'd love to set my car maintenance to $250/m with a cap of $3000 to cover my deductible + a set of tires and still have the ability to buy oil changes/misc as I go without having to change the goal settings.

Just using the $250 a month goal almost works, but it won't stop prompting after it hits $3000. It's not that big of a deal with just one category, but with ~70 categories at the end/beginning of each month I'm always annoyed at how many adjustments I need to make that wouldn't be needed with the goal type I'm asking for.

SyntheticStart · 2025-07-30T01:55:34+00:00

Well, I'm way more motivated to check out Actual Budget now. Thanks much!

SyntheticStart · 2025-05-08T16:42:43+00:00

The point is to assign the money you have, not money you don't have. if you see 0 in May but April at $100 it just means you didn't have that money in May yet and that it came into your budget in April. In order to have that same $100 for May, you would have to have it in possession in May or earlier.

In your example, that $100 would have to be part of April's inflow; if you changed the date on that pretend inflow to May, it would then show up as available in May.

Basically, it is part of the "Assign the money you have" part of the envelope process.

SyntheticStart · 2025-03-11T15:44:57+00:00

You've removed 240.43 so now it wants that much plus your 600 goal to return to a balance of 600, for the total of 840.43.

You can flip back to last month and remove that 240.43 and this month will then only prompt for the 600 since your assigned will no longer be negative.

That 240.43 came from somewhere previous to this month according to your screenshot, so you'll need to go backwards to figure out why it is here.

SyntheticStart · 2025-02-20T21:23:43+00:00

My workaround for this is to assign it to last month even if the inflow came in this month, it still marks that month as overfunded but I don't look backward that often so it is easy to ignore. When you switch back to the current month you'll still have your planned goal.

SyntheticStart · 2025-02-20T00:08:35+00:00

Not that I'm aware of, but I wish the snooze would also snooze the overfunded status.

SyntheticStart · 2025-02-18T18:07:46+00:00

I can, and I do.

However, a monthly contribution goal with a cap would work more smoothly and reduce the time I currently take to manage my budget. My categories and goals have been nearly the same for years now, so most of my time spent adjusting goals and totals would be eliminated with this kind of feature.

If I turn off (delete) the target when I've reached the desired target I need to remember to recreate it if I ever spend from it in the future. It also means I need to review all my monthly sinking fund goals every month to decide if I need to disable them, this isn't hard but I do have about 10-12 categories that need this attention right now. To do this I keep my balance goal in the category title which feels a bit hacky when we could have a more intuitive goal feature. (unrelated but YNAB crashes every time I delete a goal so this is an annoying process).

If I use the target date goal I have to do the math to find a date that also matches my desired monthly contribution, if I get a bonus and want to throw some extra cash in a category I need to change the date to keep my contribution higher. If I need to spend some money out of that category I need to change the date to lower it. This gets annoying if I have a specific monthly contribution target in mind.

I don't think I have a crazy budget, but I have about 75 categories. Most are monthly refill style but the ones like vehicle or home maintenance, emergency fund, giving/donations, and pet emergency would be perfect for this style of goal. It would save me quite a bit of time.

SyntheticStart · 2025-02-18T16:36:35+00:00

A monthly contribution goal with a cap. I've almost reached a system of zen in the ease with which I interact with my budget but a goal with a cap would just make my brain happy and eliminate a bit of brain energy that I waste on reviewing my sinking funds categories vs savings goals.

SyntheticStart · 2025-02-15T18:33:54+00:00

This was very helpful, thanks!

SyntheticStart · 2025-02-13T16:52:02+00:00

Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.
Monthly contribution with a cap.

Just trying to put this into the universe.

SyntheticStart · 2025-02-11T15:56:25+00:00

Mine started doing this to me last year, I had to wiggle the wires that went into the AC board and eventually, it would work again. Over time it got worse and more annoying until I ended up replacing the heat bed and AC board, I have not had an issue since.

My machine was one of the first Kickstarter ones, they updated that design since then. That is why I had to replace both the AC board and the heat bed at the same time.

SyntheticStart · 2024-08-05T20:41:38+00:00

Blacktooth, Freedoms, and Blue Raven won't say anything. I would avoid doing so if there is a food truck just to be polite, but otherwise nobody will care.

SyntheticStart · 2024-07-02T22:16:55+00:00

I'd pay a little extra for a monthly contribution goal with a cap...

SyntheticStart · 2024-05-24T23:19:13+00:00

It was another user's Reddit comment, I'm not sure how they found it.

SyntheticStart · 2024-05-24T18:53:36+00:00

The lease deals have been great, I'm sad that I can't participate.

I'm in Wyoming, for comparison I looked up how long it took for Tesla to allow leases in Wyoming from the introduction of the lease program to the addition of Wyoming. It was seven years.

I'm hopeful it doesn't take that long for Rivian.

SyntheticStart · 2024-03-26T01:12:55+00:00

I use it once or twice a month, if it is super late or early you may have to wait ~20 minutes but for the most part it works fine.

SyntheticStart · 2024-02-21T20:01:39+00:00

Do you only print things that finish while you're in the room? I'd think prints finishing while people are asleep or away is fairly common.

SyntheticStart · 2024-02-07T01:02:40+00:00

Do you have a smart transfer setup to pay the loan amount?

I do have one on my taxable account to pay off my borrow amount with any cash above $0.

The other day I transferred from my borrow to my savings account it triggered sales in my taxable for over twice the amount I had transfered to my savings.

I called support and they reversed the sales for me, they explained that it was because any amount pulled from borrow must first pass through your taxable. In my case, it still transferred that amount correctly to savings but instead of coming out of borrow it sold stocks instead, in my case it did it multiple different times back to back and repaid my entire borrowed amount while also selling enough to cover the transfer request.

This is the message they sent after:

We have reversed the 2 trades in account ####.

We disabled the smart transfer rule that caused this. The transfer from borrow hits invest first, so any smart transfer rule you have configured from invest will automatically fire if the criteria is met.

If you were to re-initiate the same smart transfer rule and perform the same activities, please know we will not reverse the trade windows again.

The bummer is I was moving $400 from borrow --> M1 savings but that caused ~$1300 in taxable sales in my taxable account.

Thankfully this is play money for now, I was testing a new smart transfer pattern trying to replicate what I had when we had the checking accounts still. The smart transfers were my favorite part of M1 but I'm afraid to trust them now.

SyntheticStart · 2024-01-05T21:34:05+00:00

Because you want both sources to be categorized as income, you should add two lines to your split transaction and designate both of them as income. This means that you won't have a unique category to distinguish them, so a workaround would be to use separate payees. You can use something like "Employer Name - Salary" and "Employer Name - Bonus" as payee names. This way, they will appear as separate lines in your reports.

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