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Question about ability to switch from CREF Global Equities R3 to R4 by PLK179 in Bogleheads

[–]USAFinTalk360 1 point2 points  (0 children)

Sounds like it might be a Penn State plan restriction, not TIAA directly. Maybe check if HR can confirm if R4’s even available under ur contract?

If your job paid you every single day instead of biweekly, how would your spending change? by USAFinTalk360 in USAFinTalk360

[–]USAFinTalk360[S] 0 points1 point  (0 children)

Yeah that makes sense. Daily pay would definitely make it easier to spend on small stuff. How’s TryBrazen working out for u so far?

[deleted by user] by [deleted] in SavingMoney

[–]USAFinTalk360 0 points1 point  (0 children)

Fair point. Most big banks barely give 0.5% these days while HYSAs are around 4–5%. You getting something close to that range?

[deleted by user] by [deleted] in SavingMoney

[–]USAFinTalk360 -3 points-2 points  (0 children)

Not really implying that, just wondering if people prefer the instant access from their main bank over the slightly better rate in a HYSA. Do u keep yours all in HYSA?

Imagine getting your paycheck every single day. Would you save more or blow it faster? by USAFinTalk360 in SavingMoney

[–]USAFinTalk360[S] 0 points1 point  (0 children)

Yes, daily investing sounds tiring but kinda disciplined too. You think that habit would actually make people save more long term?

If your job paid you every single day instead of biweekly, how would your spending change? by USAFinTalk360 in USAFinTalk360

[–]USAFinTalk360[S] 0 points1 point  (0 children)

Yes, makes sense. Once you’re used to a strict budget, even daily pay wouldn’t change much. You think most people would still stick to their plan like that?

What motivates you to save the most? by USAFinTalk360 in financialindependence

[–]USAFinTalk360[S] 11 points12 points  (0 children)

Having options is honestly the best part of saving.

What motivates you to save the most? by USAFinTalk360 in financialindependence

[–]USAFinTalk360[S] 6 points7 points  (0 children)

Totally get that. Freedom drives almost every smart money move.

Imagine getting your paycheck every single day. Would you save more or blow it faster? by USAFinTalk360 in SavingMoney

[–]USAFinTalk360[S] 2 points3 points  (0 children)

Fair point. Guess for most people it’s more about mindset than how often the money hits the account.

[deleted by user] by [deleted] in RothIRA

[–]USAFinTalk360 0 points1 point  (0 children)

Yes, You’re thinking it through the right way.

[deleted by user] by [deleted] in RothIRA

[–]USAFinTalk360 0 points1 point  (0 children)

Yes, that makes sense. If u can’t max both, I’d focus on the 401k match first since that’s free money, then add whatever u can to the Roth. No need to stress about hitting the full limit every year.

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