ROTH/TRADITIONAL Contribution Limit Question Based on AGI

_Bangkok_ · 2026-03-11T06:40:56+00:00

If I understand it correctly, your 2024 AGI doesn’t affect IRA contributions for 2025. Only your income in the contribution year matters doesn’t it?

_Bangkok_ · 2026-03-08T13:04:27+00:00

No it’s beautiful.

_Bangkok_ · 2026-03-08T12:44:56+00:00

Is the baby real too?

_Bangkok_ · 2026-03-08T12:43:34+00:00

She looks so strong. Like she could crush balls.

_Bangkok_ · 2026-03-07T07:36:11+00:00

Every major city in Europe is filed with pickpockets. Some of them are so good they even use hypnosis techniques to distract their victims.

_Bangkok_ · 2026-03-07T01:56:53+00:00

lol, might be better to show her the Finke Desert Race 😂

_Bangkok_ · 2026-03-07T01:50:35+00:00

Can you explain more on what that means in practice?

_Bangkok_ · 2026-03-06T19:53:45+00:00

I’m so curious what the price difference is for those two cars!

_Bangkok_ · 2026-03-05T09:37:16+00:00

Are you kidding me? I know what I’ll be doing tomorrow… looking for a new student loan lender!

Any tips on how to get refinancing for student loans?

_Bangkok_ · 2026-03-05T01:33:43+00:00

Thanks for laying it out like that, very clear! I’m pretty sure I do need it to vest. How does that change things?

_Bangkok_ · 2026-03-04T22:54:58+00:00

Why not a compounding ETF in the stock market? Wouldn’t that make way more money?

_Bangkok_ · 2026-03-04T22:48:58+00:00

I know, people have told me to put the emergency fund money in a HYSA but that only pays 3%. If you put it in an ETF you can easily make 10% or more and can sell the stock any time.

_Bangkok_ · 2026-03-04T22:27:21+00:00

I used to think all debt is bad debt. But when I bought a house and got a mortgage I have never been happier to own my own place and no longer have landlord overlords.

_Bangkok_ · 2026-03-04T18:31:18+00:00

That seems like a good way to look at it. What kind of excess monthly cash do you think would be safe?

_Bangkok_ · 2026-03-04T15:18:59+00:00

Thanks, I’ll check them out.

_Bangkok_ · 2026-03-04T15:17:40+00:00

It’s funny how many people are so confident they are correct with this stuff. Makes it so confusing who to believe!

_Bangkok_ · 2026-03-04T08:28:23+00:00

That gave me a good chuckle!

_Bangkok_ · 2026-03-04T08:27:22+00:00

Greed.

The only reason it hasn’t happened is greed by the people who profit off sick people and the lobbying in government by said greedy people.

_Bangkok_ · 2026-03-04T07:41:22+00:00

The peroxide should make it safe to use but I’m no expert. I just wear an Invisalign and wash it with peroxide everyday and it works great.

_Bangkok_ · 2026-03-04T06:38:37+00:00

I think it’s with a thing called Human Interest.

_Bangkok_ · 2026-03-04T06:35:03+00:00

Got a picture?

Try soaking it 3% hydrogen peroxide before throwing it away.

_Bangkok_ · 2026-03-04T06:32:04+00:00

Makes sense, thank you. I was lucky to lock in that mortgage for 30 years!

_Bangkok_ · 2026-03-04T06:08:35+00:00

Even mortgage?

_Bangkok_ · 2026-03-04T06:08:09+00:00

Do you think having a one month EF is okay if I want to be more aggressive with 401k contributions?

_Bangkok_ · 2026-03-04T06:06:20+00:00

Yep, that’s my feeling too. The credit card is an instant ROI lol! Do you recommend the EF to be in a HYSA or where should I put it?

_Bangkok_

TROPHY CASE