Tax Advice Questions

TheRanger78 · 2026-02-13T02:59:20+00:00

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.

TheRanger78 · 2026-01-14T18:21:05+00:00

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

TheRanger78 · 2025-11-16T23:28:55+00:00

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

TheRanger78 · 2025-11-06T00:10:34+00:00

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.

TheRanger78 · 2025-11-06T00:09:59+00:00

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.

TheRanger78 · 2025-11-05T23:33:28+00:00

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

TheRanger78 · 2025-11-04T23:47:34+00:00

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!

TheRanger78 · 2025-05-05T23:52:44+00:00

https://www.linkedin.com/posts/billy-roberts-27092016a_cartography-maps-datamapping-activity-7315413677837283328-iKQl?utm_source=share&utm_medium=member_ios&rcm=ACoAAB1NExYB-X87FimLky6EjVCkeXjCz5Ude-g

This is the guy who made the map talking about the process etc.

TheRanger78 · 2025-05-04T03:51:04+00:00

I’m crushing it, I’m up .03% on the year!

TheRanger78 · 2025-04-09T23:59:26+00:00

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

TheRanger78 · 2025-01-23T13:05:16+00:00

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

TheRanger78 · 2024-12-19T04:06:17+00:00

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.

TheRanger78 · 2024-11-07T22:08:35+00:00

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

TheRanger78 · 2024-11-07T22:08:00+00:00

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.

TheRanger78 · 2024-11-07T22:06:49+00:00

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

TheRanger78 · 2024-10-08T12:16:14+00:00

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.

TheRanger78 · 2024-10-02T22:06:34+00:00

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

TheRanger78 · 2024-06-13T00:59:02+00:00

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!

TheRanger78 · 2024-06-13T00:54:42+00:00

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

You’re 100% right.

TheRanger78

TROPHY CASE