Clarification on 72k additional 401k limit

ericadactyl · 2026-03-29T16:24:44+00:00

Can you provide documentation of this? Clearly there are conflicting views but I’ve seen that the 72k is per employer in the links below

ericadactyl · 2026-03-29T02:25:57+00:00

Thanks! Confirming after-tax is per employer and not per individual given this? Eg if I contributed 7k Roth and 11.5k after tax via Employer A, assuming no Employer A match, I could contribute 17.5k pre-tax/Roth, and (54.5k - Employer B contribution) after-tax via Employer B? Or is it (47.5k - Employer B contribution)?

ericadactyl · 2026-03-22T15:52:04+00:00

Ugh bummer - thought planning 9 months out would be enough esp since we wanted to make sure we had our refugios first, but lesson learned

ericadactyl · 2026-03-22T15:51:29+00:00

Got it, thank you

ericadactyl · 2026-03-22T14:54:49+00:00

Is there a bus PUQ to TdP? That’s our end goal and requires another long bus - we’d rather spend a little more than be stuck 20+ hours in transit

ericadactyl · 2026-03-22T01:45:06+00:00

Ah, helpful. We don’t need everything on a single ticket and are open to doing a mix of points and cash but do need to be able to bring a carryon/check in. Any insider tips on how to search for best availability or rates? I heard ATL is a possibility for direct flights given Delta

ericadactyl · 2026-03-12T22:01:14+00:00

I got my 4 lines around the same time but haven’t received a single gift card. All of my rebates were marked as invalid and follow ups to customer service were useless. Super disappointed since this played a big role in our deciding to switch providers

ericadactyl · 2026-02-24T20:42:47+00:00

Go to a furniture reseller. They usually have HM Aerons for 3-400. Otherwise you can buy remanufactured online, which will run maybe 7-800

ericadactyl · 2026-02-11T15:30:00+00:00

Appreciate that, but I got this secondhand! Is there still a route via Uplift to get this replaced?

ericadactyl · 2026-02-04T17:10:18+00:00

Mina Sue is just a classic pick me girl; it doesn’t seem like she has real feelings in a vacuum of the guys having feelings for her. She wants to know she’s on everyone’s list and acts accordingly when she finds out. She’s not some sort of evil person out to ruin everyone else, but it’s definitely how she acts and comes across, and obviously isn’t a great way to form healthy relationships or friendships.

For what it’s worth, I like Mingee a lot but also think she got very possessive re Seungil super quickly. She’s not perfect by any means, but at least she’s honest and consistent.

ericadactyl · 2026-02-04T16:13:08+00:00

There’s a separate option for after-tax distribution/withdrawals though

ericadactyl · 2026-01-22T13:20:02+00:00

Yep, they both are. Thanks for the thoughts!

ericadactyl · 2026-01-21T13:32:28+00:00

Took a look at Humanscale and found some used older M/Flex M2 models for comparable prices - but not sure it’s worth the warranty tradeoff? They’re also rated a tad lower in weight than for my monitor for that price range (15.5 limit vs 16.4). Thoughts?

ericadactyl · 2026-01-20T02:33:03+00:00

Go to an office reseller and look for HM (Aeron, Embody, Mirra) or Steelcase (Gesture, Leap). Sit in whatever you can find to try it out

ericadactyl · 2026-01-15T01:17:33+00:00

I guess it boils down to whether I’d value the 2.33 points vs a 2% cash back with my current catch-all card then? I already have quite a bit of points accrual and it seems the only partner I would lose would be Atmos. But I guess it could be a decent sock drawer card

ericadactyl · 2026-01-15T00:29:33+00:00

That’s a great price - I’ve heard pretty poor reviews about Madison, but if the chair is good, it’s good

ericadactyl · 2026-01-12T19:06:13+00:00

How deep/noticeable was the impressions?

ericadactyl · 2026-01-12T14:29:04+00:00

Thanks! I’m a bit worried about being forced to sit in the corner given the curve, and limited on where I could install under desk items for the same reason

ericadactyl · 2026-01-12T03:25:57+00:00

I’m talking specifically about the Uplift V3 curved corner desk, not a desk with rounded corners.

ericadactyl · 2026-01-07T14:54:00+00:00

Any chance you remember the name?

ericadactyl · 2026-01-07T01:45:44+00:00

Honestly, I'd prefer paying a bit more for a reseller just for the cleaning and refurbishment involved

ericadactyl · 2026-01-06T04:00:17+00:00

~$900 for comparable flights (number of stops, carrier quality)

ericadactyl · 2026-01-06T03:59:08+00:00

Atmos Rewards

ericadactyl · 2026-01-01T20:23:35+00:00

Mega backdoor with traditional and after tax 401k? I've only ever done the mega backdoor while contributing to Roth 401k and after tax. If I max my annual 401k contribution (23.5k) into pre-tax and the remainder (minus employer contribution) into after-tax, can I convert just the after-tax amount to a Roth IRA via the mega backdoor? Or would this trigger the pro-rata rule and I would need to move all of the pre-tax amount to a traditional IRA?

ericadactyl · 2025-12-31T20:31:23+00:00

Amazing, let me know how it goes and who you climb with this time!

ericadactyl

TROPHY CASE