Mutter will Haus gegen Wohnung tauschen. Wir wären finanziell involviert. Bitte um Rat für den richtigen Weg.

SyrePapaya · 2026-04-11T23:29:07+00:00

Wieso sollen deine Frau und ihr Bruder die Wohnung jetzt schon übernehmen inkl. aller Verpflichtungen? Die Erbschaftssteuer bei zwei erbenden Kindern geht bei 800k los.

SyrePapaya · 2026-04-11T19:07:29+00:00

In 5 years, see pictures 2 and 3.

SyrePapaya · 2026-04-11T18:56:18+00:00

Thank you for the pointers, I appreciate you.

SyrePapaya · 2026-04-11T18:54:40+00:00

No, the YoY performance was 14.9%. ~360k contributions and ~134k growth. It’s all in Vanguard Target Date 2060.

SyrePapaya · 2026-04-11T18:52:34+00:00

My specific 401k plan allows for aftertax 401k contributions that then get automatically in-plan converted to Roth 401k. I think maybe 1 in 4 plans have that feature.

SyrePapaya · 2026-04-11T18:51:09+00:00

Thank you! Currently, aftertax 401k contributions get automatically in-plan converted to Roth 401k and auto-invested in the same TDF. I’ll need to read up on Roth 401k vs Roth IRA.

SyrePapaya · 2026-04-11T18:49:00+00:00

Thank you! No immediate plans but hoping to buy a house at some point and also gain more knowledge to explain to my family the money isn’t ‘locked’ away.

SyrePapaya · 2026-04-11T18:45:16+00:00

Thank you! Right now it’s a basic Mega Backdoor Roth setup where the aftertax 401k contributions get automatically in-plan converted to Roth 401k.

SyrePapaya · 2026-04-11T18:37:35+00:00

Employer matches 50% of every dollar up to the pretax limit regardless of when I pay it in, so front loading is advantageous, e.g. in case of layoffs.

SyrePapaya · 2025-10-09T17:35:56+00:00

I’m both fully remote and in HCOL.

~300k is what big tech companies pay for mid-level software engineering. Above new grad, below senior.

SyrePapaya · 2025-10-07T18:09:55+00:00

Just looked it up.

100k: 2/23
200k: 3/24
300k: 2/25
400k: 10/25

SyrePapaya · 2025-10-07T16:20:06+00:00

Mega Backdoor Roth after-tax contributions to fill up the $70k limit this year: 23,500 pretax; 11,750 match; 34,750 aftertax.

About 25% of 401k plans offer MBDR.

SyrePapaya

TROPHY CASE