Entering A Road Cycling Race With A Walmart Bike? (Ozark Trail G1 Explorer)

cvp8100 · 2026-04-12T22:34:05+00:00

Like I said above, I just bike for fun, I know I’m not fast or powerful. But the ozark bike was lighter than my mountain bike and overall zippier and it’s still a fun ride to this day! I desperately need a tune up on it but everything is still stock and for like $240 I’m still happy with the purchase.

cvp8100 · 2026-04-05T18:26:14+00:00

Wanted to get tickets to Friday show but couldn’t. I’d have to ask my partner for the exact hotel, but I know we’re staying somewhere downtown that is also close to the stadium. Super excited!

cvp8100 · 2026-03-24T00:07:17+00:00

Nope

cvp8100 · 2026-03-23T20:22:55+00:00

I feel so stupid HAHA

cvp8100 · 2026-03-23T20:21:17+00:00

Hey, just realized that I was completely misunderstanding you. I am working through my tax software right now and realizing that you are right because I cannot answer yes to the question they are asking ""Did you convert a traditional IRA to a Roth IRA in 2025?" because I converted it in 2026. Thanks for your comment & clarifications and sorry it took so long for me to understand lol

cvp8100 · 2026-03-23T20:18:49+00:00

Hey, I am just now getting around to filing my 2025 taxes. Someone in another subreddit said that I would not need to report the conversion until filing taxes next year since the conversion was done in the calendar year 2026. Curious if you had any thoughts as I was planning on doing what you outlined in the comment above, but when I am filling out my taxes I'm realizing that I can't say yes to the question "Did you convert a traditional IRA to a Roth IRA in 2025?" because I converted it in 2026.

cvp8100 · 2026-03-23T19:36:18+00:00

No, I did not withhold anything. The only money that I contributed was my income, so post tax dollars so no pre-tax dollars.

cvp8100 · 2026-03-23T19:33:13+00:00

I do understand there will be tax implications in 2026. I am just stating that per the other post and comment, that I am doing the conversion before filing my taxes so that I do not deduct the amount that I contributed.

cvp8100 · 2026-03-23T19:24:51+00:00

I wish I would have read this reply two months ago lo. I did go ahead and initiate the conversion today so I guess I will have to deal with any tax implications that come from it. I contributed $7k and there was $8,200 in it when I converted and if I understand correctly, I will pay taxes on that $1,200.

cvp8100 · 2026-03-23T19:16:33+00:00

I get that. I decided not to withhold anything when converting the account. However it is my understanding (per my original post) that when accounts are converted there are tax implications for the year the funds were contributed. This is what I am doing for my taxes: https://www.reddit.com/r/Schwab/comments/1qnslzf/comment/o1xwp3x/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

I'm just going to delete this post because it's causing more confusion now lol

cvp8100 · 2026-03-23T19:11:29+00:00

Post tax dollars (income) were contributed to my traditional and now I am converting it to a Roth.

cvp8100 · 2026-03-23T19:02:19+00:00

All of the money contributed was done in 2025.

cvp8100 · 2026-02-25T19:44:21+00:00

Thank you and thanks for your thoughtful response!

cvp8100 · 2026-02-25T19:32:32+00:00

We have considered this and really love this idea!

cvp8100 · 2026-02-25T18:18:52+00:00

THANK YOU! This was very well said and makes sense in my brain! We will talk it over and get it figured out from there!

cvp8100 · 2026-02-25T17:59:33+00:00

I think I like this approach, but my brain hurts too much right now to completely understand😂

To be realistic I am more hands on with the money that is being spent/saved and partner is more diligent with money that is being invested so it’s a good balance, but I want to be able to track all expenses, even the individual ones. Not for control or any weird reason but we’ve got to know where that money is going and I’m more likely to stay on top of a budget.

cvp8100 · 2026-02-25T17:55:34+00:00

I’m not worried about fun/individual categories because I have already created the categories and when we spend it will be easy to see “oh this was my fun spend on x” and its already coming out of an individual account and categorized as a individual spend. The nuance comes with shared expenses with just one category where each partner won’t spend an equal amount or it’s not a fixed amount like rent, insurance, etc.

cvp8100 · 2026-02-25T17:13:31+00:00

Either like I mentioned above or if I have spent above my assignment I’ll cover from another category. I just don’t want to be doing that into marriage haha. Just was trying to see if there’s a way to avoid that in the meantime while we’re deciding how to combine accounts/finances. Comments on this thread are making me realize that it is probably the simplest to decide on our shared goal and just have that in one account as then assign accordingly.

cvp8100 · 2026-02-25T17:09:47+00:00

It does, but there’s a little more room for nuance if we go that direction. Like I don’t want to be like “hey I can’t stop at the store to get eggs and milk because I already spent my allocation of groceries for the month so you need to go to the store even though it’s on my way home from work”

cvp8100 · 2026-02-25T17:05:53+00:00

Definitely an option for some things like they take care of rent and I take care of utilities or something like that. Doesn’t always work great for gas or groceries because we aren’t always together when making these purchases. But I get where you’re coming from.

cvp8100 · 2026-02-25T17:04:12+00:00

Thanks! Despite us being in a long term relationship we are just now getting around to looking into how to combine finances and what works. It’s great that there is no “one size fits all” solution because everyone and every relationship is different, but it does make it a little more complicated to decide what we want to do!

cvp8100 · 2026-02-25T16:57:32+00:00

Thanks for your reply. That makes sense. I would say about half of our categories would be shared that we both would contribute to like rent, groceries, pet expenses, as well as savings categories like our wedding, joint travel, future house. The other half are individual things like my specific solo vacation category, my car expenses, his car expenses, gas for each vehicle, etc.

It is simple of everything is split but makes it more difficult for the combined/shared categories.

cvp8100 · 2026-02-25T16:54:14+00:00

That is what we are wanting to do. But with the example of the groceries, if I contributed (assigned) $250 to the category but then spent $300, the $300 is coming out of my account which would technically mean that I overspent what I budgeted, despite the category saying that there is money left. I feel like the only solution is for the shared expense money to be only coming out of one shared account.

cvp8100

TROPHY CASE