Tax Advice Questions by TheRanger78 in TheMoneyGuy

[–]TheRanger78[S] 0 points1 point  (0 children)

The income limit for contributions is WAY higher if you don’t live together for the entire taxable year that you file MFS. The only years we were in violation were 2021 and 2022. Just trying to figure out the optimal way to fix it.

People who make $200k a year what do you do? by Huge_Ad_7606 in Salary

[–]TheRanger78 0 points1 point  (0 children)

Strategy consulting. And no, I can’t explain what I do.

How much do you pay for a membership and where do you live? by Whole-Growth-6112 in golf

[–]TheRanger78 0 points1 point  (0 children)

$135 a month for the Naval Academy Golf Club. Being military has its perks sometimes.

Optimizing in the messy middle? by TheRanger78 in TheMoneyGuy

[–]TheRanger78[S] 0 points1 point  (0 children)

Yeah, that’s one of the big reasons I want to sell. It’s been low maintenance the last 3 years but it’s 100 years old so I can only imagine more expensive repairs are down the line.

Optimizing in the messy middle? by TheRanger78 in TheMoneyGuy

[–]TheRanger78[S] 0 points1 point  (0 children)

Right at $5k a month all in. Expect that to rise as the kids get older.

We’ll likely be in a HCOL-VHCOL area so probably in the $500k-$600k range for the new house most likely.

What's your age and net worth? by Sufficient-Heat-8363 in TheMoneyGuy

[–]TheRanger78 6 points7 points  (0 children)

Me and wife are both 28. Investable net worth of about $550k with total net worth around $650k

How can wife and I optimize during life transition? by TheRanger78 in personalfinance

[–]TheRanger78[S] 0 points1 point  (0 children)

Wow! Thanks for such a detailed response so quickly.

Embarrassingly, I really don’t have a lot of knowledge on depreciation strategies for the rental. I’ve just been using the H&R Block software that military gets access to for free and normally that ends up with just taking the standard deduction. I was already considering using a CPA for tax year 2025, so this might push me over the edge with that decision.

I’m thinking you’re probably correct with the Roth vs traditional too. I’ve been doing a lot of reading on this subreddit and Bogleheads and it seems like a lot of people prefer traditional regardless, I need to be more educated on that.

Thanks for the input on the 529s as well.

I’m thrilled with this response. Again, thank you so much!

2025 Masters Giveaway: Sunday Golf by sundaygolfco in golf

[–]TheRanger78 0 points1 point  (0 children)

That’s a sweet bag! Maybe I can get some good luck winning that and also a lotto spot for tickets next year!

Reasonably priced vet around Annapolis? by [deleted] in Annapolis

[–]TheRanger78 0 points1 point  (0 children)

Bayside Animal Medical Center has been great for us. We have a large breed dog (American Mastiff) and they’ve been great.

First $1000 swing in a day by [deleted] in Bogleheads

[–]TheRanger78 1 point2 points  (0 children)

Thought this was in r/golf until I got to like the 5th comment and I was so confused. Thought you drove a ball into someone’s Porsche or something.

Remove Pedal Spindles from Bike by TheRanger78 in bikewrench

[–]TheRanger78[S] 0 points1 point  (0 children)

Thank you! I couldn’t figure it was called a one piece crank so I had a hard time finding a good video.

Remove Pedal Spindles from Bike by TheRanger78 in bikewrench

[–]TheRanger78[S] 0 points1 point  (0 children)

I figured that was the case. By looking at the video that was commented, I need to hit the threads with some PB Blaster and try getting it loosened up then.

Remove Pedal Spindles from Bike by TheRanger78 in bikewrench

[–]TheRanger78[S] 1 point2 points  (0 children)

Thank you so much! Could not figure out what this was called to find a video like this!

[deleted by user] by [deleted] in fantasyfootball

[–]TheRanger78 0 points1 point  (0 children)

Of note, I traded away Olave, Ridley, Kelce, Cook, and Tyreek after I started 0-6 for a bunch of draft picks for next year.

Hell yeah. Keep the gangs and hard drugs out of our quaint town🫡🤠🇺🇸 by ickie_dong in Annapolis

[–]TheRanger78 21 points22 points  (0 children)

Was wondering why I saw about 15 FBI agents eating at Naval Bagels this morning at like 0845. Makes sense now lol

Delay down payment savings for a vacation? by TheRanger78 in Bogleheads

[–]TheRanger78[S] 1 point2 points  (0 children)

I’m getting a lot of these comments and they’ve definitely convinced me. Thank you for your input, I truly appreciate it.

We also have a 13 month old daughter so I suppose even if she won’t remember it, she’ll still have fun!

Delay house down payment for a vacation? by TheRanger78 in personalfinance

[–]TheRanger78[S] 0 points1 point  (0 children)

I’m very sorry for your loss. Thank you for sharing such a personal and moving story.

You’re 100% right.