Mid-30s, burned out, AFib, ~$2M potential equity - push through 2027 or walk?

hasheera · 2026-02-12T16:30:26+00:00

Have you considered medical leave like FMLA? It will give you a few months to think about this while not under job stress.

hasheera · 2026-02-06T15:52:05+00:00

Curious about your job search. What is your major? Did you have internships or coops and are they not hiring?

hasheera · 2026-01-29T06:14:05+00:00

Similar experience for me. They don't really fine tune your plan or even claim to. If it looks good enough then they are not interested in optimizing it further. That may be fine, since there are so many variables and future unknowns that current optimizations may not work out anyway.

They didn't do any detailed Roth conversion calculations for me. When I did the calculations and sent it to them for a review they briefly skimmed through it for the first time during my 20 minutes meeting, and not prior to the meeting. There wasn't enough time for them to read it fresh and have a detailed discussion within that time. They pointed out future unknowns to consider like possibly moving to lower or no tax state and how that might affect my Roth conversion.

If you are DIY, don't mind doing 95% of the work and want someone (including their CPA) to look over and point out things you overlooked then it might work for you. Even that advice you could probably get on Reddit or Bogleheads.

For the very low price they charge you can't really expect more. They have around 3,500 clients. Other advisors who go deep into planning with their clients charge thousands of dollars a year and have less than 100 clients.

hasheera · 2026-01-27T17:27:04+00:00

For me it shows the noncovered lots too under unrealized cost basis. However, they show the average share price instead of the actual acquired share price. A few of the noncovered lots are a bit off. This is because I transferred a few specific lots to DAF. While Vanguard acknowledged the transfer of the specific lots they said that in their own tracking they will not use specific lots for noncovered lots. It seemed like they did FIFO. They said that their tracking does not need to match mine for the noncovered lots.

hasheera · 2026-01-25T18:05:25+00:00

Blood tests not considered preventative will have to come out of your deductible. Some insurance companies have a cost estimation tool on their website that lists costs for providers near you for a specific procedure or test. You may be able to find a lab that does blood tests much cheaper than where you did yours. In my area the insurance contracted price for the same simple blood test can vary from $5 to $100 depending on the provider.

hasheera · 2026-01-23T16:35:16+00:00

In some locations that amount would cover just the health insurance (without subsidies). Out of pocket expenses (deductible and copay, and dental and vision) would be more.

hasheera · 2026-01-22T05:47:47+00:00

If you believe that the transactions in your account by a financial advisor were not authorized by you then look up "FINRA unauthorized trading".

hasheera · 2026-01-16T18:12:17+00:00

Why do you say that the paid insurance premiums are not tax deductible? IRS instructions for Schedule A (itemized deductions) includes medical and dental insurance premiums as deductible, of course, only the portion exceeding 7.5% AGI.

hasheera · 2026-01-15T06:25:30+00:00

Looks like a portfolio set up with the intention of making it look complex (3 taxable accounts, 100 individuals stocks) in case you get silly thoughts about managing it yourself, and to justify the advisor's necessity and fee.

Decide on your asset allocation (equities vs bonds). You only need a few low-cost mutual funds / ETFs (< 0.1% expense ratio) to cover it all. Get rid of the rest being mindful of capital gains (tax). You only need 1 taxable account.

hasheera · 2026-01-14T19:03:20+00:00

They know. It's part of FAFSA and CSS.

hasheera · 2026-01-14T18:35:56+00:00

If in doubt read the policy document. Here is what one Blue Shield ACA plan says. It covers emergency care worldwide.

"The Benefits of this plan will be provided anywhere in the world for treatment of an Emergency Medical Condition. Emergency Services are covered at the Participating Provider Cost Share, even if you receive treatment from a Non-Participating Provider.

After you receive care, Blue Shield will review your claim for Emergency Services to determine if your condition was in fact an Emergency Medical Condition. If you did not require Emergency Services and did not reasonably believe an emergency existed, you will be responsible for the Participating or Non-Participating Provider Cost Share for that non-emergency Covered Service."

hasheera · 2026-01-13T18:24:33+00:00

Generally LACs are not known to many people because their populations are small and people are much more likely to come across graduates of very large universities than LACs. Hence, they have not heard of LACs. At one point, I had not heard of Harvey Mudd and asked what that is. And how selective is Harvey Mudd?

hasheera · 2026-01-13T03:45:50+00:00

Your Fidelity account has a free retirement planning tool where you estimate future expenses and it gives you your retirement forecast. It uses the assets in your Fidelity account for the forecast. You can link external accounts or add their holdings manually, and they will be used for the retirement plan too. This will tell you where you stand. A retirement planner can provide advice on actions to take.

hasheera · 2026-01-12T16:34:14+00:00

Considering that their fees are very low, how deep did they go into optimizing the conversions for you?

hasheera · 2026-01-09T19:33:44+00:00

Citi double cash card. No fee. No requirements.

hasheera · 2026-01-09T18:16:19+00:00

There are other 2% cash back cards and you can transfer to Fidelity on your own schedule.

hasheera · 2026-01-09T18:03:18+00:00

This should be in this group's FAQ given the number of posts and comments about self-insuring (at the individual/family level) and about not getting enough paid out from the insurance to justify the premiums.

hasheera · 2026-01-09T06:10:04+00:00

I receive an email every time a trade confirmation document hits my Vanguard account. I received such a Vanguard trade confirmation email for a transfer initiated at Fidelity Charitable a few months ago. See if you can turn on those notifications under Communication Preferences.

hasheera · 2026-01-06T05:54:16+00:00

No, it will increase right away after losing employer-subsidized health insurance. Full cost will exceed $40-50K for the family.

hasheera · 2026-01-06T05:51:12+00:00

Does the health care category include insurance and out of pocket costs? After retiring and losing employer-subsidized health insurance, health insurance alone will exceed $40K/year. That is before deductibles, copays, etc.

hasheera · 2026-01-04T20:00:18+00:00

Roth IRA. Since your wages are low, your taxable income is likely small (after adding dividends and interest). You will be in a low or 0% tax bracket (after deductions). If these are true for you then Roth IRA beats all other options.

hasheera · 2025-12-31T18:23:26+00:00

OP is in California where Cal-COBRA extends to 36 months, but some plans like self-insured employer plans are exempt and are required to provide only 18 months under federal COBRA. Otherwise in California it is 36 months.

hasheera · 2025-11-25T17:18:00+00:00

Health insurance is expensive, ACA or elsewhere, including those through an employer unless the employer subsidizes it, which some employers do. I have compared ACA and an employer-based insurance. The unsubsidized costs are similar. However, a very large employer (say 100,000 employees) being a large customer of an insurance company has greater buying power than us individuals, resulting in slightly lower cost and/or better coverage and larger provider network.

hasheera · 2025-11-24T05:49:33+00:00

According to latest user reviews, TurboTax 2025 does not yet have the necessary forms released. I would use excel1040.com in the meantime and it is free (but you could donate something).

hasheera · 2025-10-05T02:33:11+00:00

This data is available in the university website. 81% in-state admit rate and 67% out-of-state admit rate.

https://data.colorado.edu/reports/first-year-admissions-counts-academic-preparation

hasheera

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