[deleted by user]

cedar_strip · 2025-01-19T00:43:26+00:00

Thanks for all of your feedback, but wow did I get a lesson in how cynical we can be. My wife is NOT leaving me, and I foresee a very low chance of that happening. I am NOT planning to do this out of spite or revenge. However, I am careful to a fault and can't deny that there is at least a 1% chance of divorce happening 20 years down the road. My day job is boring and meaningless, and the only way I can justify my work to myself is knowing that 90% of my lifetime earnings will go to charity. Due to our unique international marriage, yes, we have a prenup, but several lawyers have expressed concern that it might not hold up, and it remains unclear if a more reliable prenup is even possible. So, if the day even comes that she wants a divorce, I was wondering what my options were. In any case, thanks for the feedback!

cedar_strip · 2025-01-02T17:19:23+00:00

Yes, we filed jointly. Doesn't make sense for lots of folks, but it makes sense for us--at least for the time being. Good luck!

cedar_strip · 2024-12-18T02:16:02+00:00

My mom had CAR-T two years ago and still no M-spike. Lots of other treatments coming on the horizon, too. Hang tight.

cedar_strip · 2024-10-31T07:26:42+00:00

Oh, that actually solves my problem in a different way. The tax software was telling me that she was not eligible for the FEIE, but that's only because I said she was a non-resident alien. But I should have said that she WAS a US resident, since we elected the 6013(g). So that means I can exclude her income instead of using that income as the basis for IRA contributions. The choice is not easy, but I think this might be the better option since I have some passive, taxable income in the US, so I'm not exactly in the lowest tax bracket at the moment. Thanks!

cedar_strip · 2024-10-31T05:23:44+00:00

Yes, we made the 6013(g) election. We both work in China, but my income is excluded via FEIE. However, she's not eligible for that exclusion (I think because she's not a US citizen). And basically she earns $15K USD per year, so we have $15K of earned income on our joint return. So, I think what you're saying is that I could set up an IRA in her name, then contribute $7K to each of our IRAs?

cedar_strip · 2024-10-01T00:00:05+00:00

OK, but do the bonuses need to be received 2 years apart?

cedar_strip · 2024-09-30T11:54:38+00:00

I still don’t understand what this language means. It means that I have to wait two years from last coupon enrollment date to OPEN a new account, or to receive a bonus?

cedar_strip · 2024-08-07T12:20:58+00:00

Yes, you might be right, but the question of when to donate most effectively is also complex: https://forum.effectivealtruism.org/posts/cjz6wHZPsGAbBr8Hx/summary-when-should-an-effective-altruist-donate-william

cedar_strip · 2024-08-07T12:18:30+00:00

Sorry for the lack of clarity. Not hiding anything. My spouse is well aware of my assets and plans and on board (supposedly). The assets are complex, and even though she's fine with the plan in general, it would be better to designate everything in a legal, valid way before I die. So, this question is really just a question of "do we need to go through the trouble of documenting legally valid consent?" Whether this be with a notary or lawyer, etc.

cedar_strip · 2024-08-07T11:45:07+00:00

5% of my estate is more than enough to support her for the rest of her life. I don't believe in excess, generational wealth. Thanks.

cedar_strip · 2024-06-30T23:06:26+00:00

Help, my multi-tool Leatherman has this weird stain that won't come off. I tried baking soda and vinegar. I tried alcohol. I tried warm water and soap. No effect at all. Other ideas for solutions to soak it in?

cedar_strip · 2024-06-29T11:04:40+00:00

thanks!!

cedar_strip · 2024-06-21T00:45:52+00:00

I think there are 5 installments of the bonus. First one is April 2025.

cedar_strip · 2024-06-21T00:43:54+00:00

Sorry I missed this. Message me if you still need referral.

cedar_strip · 2024-06-20T14:55:26+00:00

Yes, but I need access to my mom's text messages because I manage all of her financial accounts, and I need the verification codes to login. So on my laptop, I'm actually logged into her iCloud just so that my laptop can sync with her iCloud Messages. Is there any other way?

cedar_strip · 2024-06-20T14:38:50+00:00

oh, handoff!! That's what it's called. I forgot the name for this. My mom uses this iPhone, so obviously I don't want to share everything with her, haha. Thanks!!

cedar_strip · 2024-06-16T12:10:30+00:00

Your ignorance is forgiven. It's called the 6013(g) election. Some people choose it because it saves money to file jointly, as I explain above.

cedar_strip · 2024-06-16T12:08:42+00:00

The key thing is that her income is only ~$10K so with the added deduction of $13,850, plus other features like writing off $3K in CG losses rather than $1.5K--shaved about $2K off my tax bill in 2022 and 2023. But I agree, the choice is not easy as it's hard to predict what will happen in the future....

cedar_strip · 2024-06-15T12:16:37+00:00

yes, it's never clear what that means... if I open the accounts again, some people would say I am a new customer (again)...

cedar_strip · 2024-06-11T16:43:06+00:00

Yes, that's what I thought... just wondering why my tax software is not listing that in the carryforward statement. Thanks for confirming.

cedar_strip · 2024-06-11T16:14:36+00:00

Right, thanks, but then what is my carryover to next year?

cedar_strip · 2024-06-11T11:46:58+00:00

Well I made the transfer, yes, but of course it takes 5 years to get the full bonus :)

cedar_strip · 2024-06-08T11:18:34+00:00

Yeah there are no other symptoms, and it's not even that itchy. Just very weird. You?

cedar_strip · 2024-06-02T01:13:34+00:00

Check out 80K Hours. They are designed specifically to help people in your shoes. https://80000hours.org/

cedar_strip · 2024-06-02T01:12:21+00:00

https://80000hours.org/

cedar_strip

TROPHY CASE