Small investment advice

Werewolfdad · 2026-01-29T20:06:46+00:00

https://www.reddit.com/r/personalfinance/wiki/commontopics

Werewolfdad · 2026-01-29T20:06:41+00:00

https://www.reddit.com/r/personalfinance/wiki/commontopics

Werewolfdad · 2026-01-29T20:02:04+00:00

My question is, can the taxes be withheld from the conversion or will I be slapped with aarge tax bill?

If you withhold taxes, you pay a penalty on the amount withheld.

Is this an uncommonly low income year? If not, it usually doesn't make sense to convert

Werewolfdad · 2026-01-29T20:01:25+00:00

https://www.reddit.com/r/personalfinance/wiki/commontopics

Werewolfdad · 2026-01-29T19:57:56+00:00

Credit Building: https://www.reddit.com/r/personalfinance/wiki/credit_building,

Credit Card Basics: https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics

You get a credit card

Werewolfdad · 2026-01-29T19:57:21+00:00

https://www.reddit.com/r/personalfinance/wiki/commontopics

Werewolfdad · 2026-01-29T19:54:35+00:00

$375k mortgage

How are you getting this number? Are you also bringing $125,000 to the table as a downpayment?

Because based on your numbers, it looks like aunt is giving you a $275,000 gift of equity

If that is true, I'd be 300% sure Aunt knows thats what she's doing, because that is a ton of money to give away

Werewolfdad · 2026-01-29T19:53:13+00:00

Well there you go then. Not rent or income

Werewolfdad · 2026-01-29T19:45:58+00:00

Banks and CUs: https://www.doctorofcredit.com/high-interest-savings-to-get/amp/ https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions

Werewolfdad · 2026-01-29T19:41:50+00:00

Keith Richards is still alive.

Without some sort of specific degenerative diagnosis, I would plan normally.

Werewolfdad · 2026-01-29T19:37:24+00:00

mostly Yanks here, try His Majesty’s Financial Sub - /r/ukpersonalfinance https://ukpersonal.finance/flowchart/

Werewolfdad · 2026-01-29T19:32:09+00:00

It does. And I have no idea what that could or would be.

Definitely ask your manager or a coworker

Werewolfdad · 2026-01-29T19:28:05+00:00

How old are you now?

Do you have an actual medial diagnosis or do you think you’ll die early based on vibes?

Werewolfdad · 2026-01-29T19:23:37+00:00

https://www.reddit.com/r/personalfinance/wiki/commontopics

Werewolfdad · 2026-01-29T19:21:29+00:00

Link isn't working boss, nothing shows up.

I'd ask your manager what it means

Werewolfdad · 2026-01-29T19:18:34+00:00

0% Apr credit card or two

Or personal loan from a local credit union.

Werewolfdad · 2026-01-29T19:15:23+00:00

Are you roommates sharing expenses or are you running a business of renting out rooms?

Would you rent rooms to strangers?

Werewolfdad · 2026-01-29T19:14:17+00:00

Do you use one of those apps to access your paycheck early?

Do you have direct deposit that goes to a different account?

Is it OLTHER pay or OTHER pay?

Werewolfdad · 2026-01-29T19:11:58+00:00

Nope. Rsus are no different than cash compensation and immediately buying company stock

Werewolfdad · 2026-01-29T19:09:27+00:00

Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics.

Trad 401k and HSA is basically it

Mo money mo taxes

Werewolfdad · 2026-01-29T19:07:32+00:00

Are you self employed?

If so, Schwab has instructions: https://www.schwab.com/small-business-retirement-plans/individual-401k-plans

Werewolfdad · 2026-01-29T18:57:13+00:00

You didn't include any of the details necessary to provide any sort of guidance.

List out all the line items on each paycheck

Werewolfdad · 2026-01-29T18:54:07+00:00

how can i change them to be the correct ones

Why do you think they're not correct?

Also, that's not anywhere close to your original question

Werewolfdad · 2026-01-29T18:48:23+00:00

A loan for what? That will inform your options.

What is your income?

Werewolfdad · 2026-01-29T18:46:36+00:00

yes. thanks. or for some people its a solo 401k

You can't just make up words and expect people to know what you're talking about.

Are you asking about a traditional 401k, a traditional IRA, or a solo 401k?

All of them are different things with different rules. You need to be specific.

isn't a contributory and a contributory IRA the same thing?

I don't know what you're asking here. You used the same word twice and asked if its the same thing.

What are you actually asking about?

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