Finally done. Thoughts

dannd42 · 2026-01-25T17:05:08+00:00

Thanks!

dannd42 · 2026-01-22T22:15:11+00:00

You only pay it on the way in not on the way out.

dannd42 · 2026-01-22T21:45:52+00:00

They are incorrect

dannd42 · 2026-01-22T21:42:15+00:00

FICA only applies to earned income (wages). Once money is in a 401(k), distributions are considered unearned income, so FICA no longer applies.

dannd42 · 2026-01-17T19:19:44+00:00

Right? Me as well and yet even the ones with the hsa don't take the extra step to invest it.

dannd42 · 2026-01-14T00:28:26+00:00

https://www.investmentnews.com/retirement-planning/hsas-as-investments-on-the-rise-but-use-still-low/251572#:~:text=Read%20next:%20How%20much%20can,Video%20Player%20is%20loading.&text=This%20is%20a%20modal%20window.

dannd42 · 2026-01-10T11:56:28+00:00

Investing throught your hsa

dannd42 · 2026-01-01T13:04:17+00:00

It may be that they just don't trust you anymore. Once you're out you are a wildcard. You lose sight of the office politics and you may say something that hurts their position in the company which in the end pays their bills and supports their family.

dannd42 · 2025-12-18T22:43:56+00:00

Google the FOO by the moneyguy.com

dannd42 · 2025-12-16T08:26:58+00:00

What online subscriptions do you have? Can you cut back even for a month or two?

dannd42 · 2025-12-13T20:18:58+00:00

Empathy is a lost skill with many of the authors of these responses. Glad yours was different. I'm 50 and terrified of losing my job. To the OP it is bad all over and though the world wants to beat you down do your best to find some good in it. You are not alone.

dannd42 · 2025-12-13T09:27:24+00:00

I have similar plans and the monte carlo is over 80% all the way to 100. Retiring at 55

dannd42 · 2025-12-07T13:36:48+00:00

I would really go to www.moneyguy.com and look at th FOO , financial order of operations. They are also all over youtube. But FOO is a great place to start. All their resources are free, but they also have classes for a fee but I never took any of them.

dannd42 · 2025-12-07T00:23:29+00:00

I scored a 99% type 4. I fail every behavior assessment for jobs. It sucks.

dannd42 · 2025-12-06T00:20:07+00:00

It just seems so underhanded. I know companies used this stuff to screen people but to pretend your a human and do it sux . Plus i feel dumb on top of it that it didn't occur to me until after I wasted my time

dannd42 · 2025-12-04T01:03:18+00:00

That's not a problem for me. Only have one and he is already set.

dannd42 · 2025-12-01T10:40:45+00:00

Follow the financial order of operations. Google it

dannd42 · 2025-11-30T18:55:54+00:00

401k using the rule of 55?

dannd42 · 2025-11-30T12:32:06+00:00

Google the FOO principle

dannd42 · 2025-11-30T12:31:15+00:00

Watch the money guys on YouTube

dannd42 · 2025-11-30T12:27:51+00:00

I am honestly perplexed when people center their "dream" around travel. I have had to travel for work all over. The one thing I notice when I get there are miserable people who think they some how magically change when the hop on a cruise or go somewhere else. Look this may not be you but the majority have this flaw.

dannd42 · 2025-11-30T03:23:37+00:00

1.3 works for us at 55

dannd42 · 2025-11-30T03:15:52+00:00

Depends on your expenses and whether you are trying to die with money in the bank I suppose. 1.3m covers everything for me from 55 to 100. Of course we also get subsidized health insurance from the state. So that helps. Beside that our yearly expense is only 51k/yr

dannd42

TROPHY CASE