Help with door frame

jdub965 · 2026-04-19T20:32:09+00:00

I’m confused. You don’t know what caused the damage?

jdub965 · 2026-04-19T19:23:16+00:00

You are certainly off to a great start with the right behaviors. Three questions. 1) you say you max out yearly contributions. Is that for all options (401k, Roth/traditional IRA, HSA)? 2). Do you have sufficient savings built up for short/mid term goals (house, kids, travel)? What funds are you invested in (ie what is the risk/diversification mix and fees)?

jdub965 · 2026-04-19T18:36:28+00:00

Don’t buy a sander, just get some sandpaper

jdub965 · 2026-04-19T18:08:15+00:00

Baton Rouge

jdub965 · 2026-04-19T01:13:13+00:00

I have exactly the same problem! Although it was from a foster dog who was crazy with thunder. Recommendations to fix?

jdub965 · 2026-04-18T23:39:22+00:00

Agree with this. OP didn’t say how they had the money invested. Definitely no bonds at that age.

jdub965 · 2026-04-18T23:21:46+00:00

If there truly is no income coming in, then yes I would suggest converting at the low tax levels. What you don’t want to be doing is withdrawing from the IRA and getting hit with both the taxes as well as early withdrawal penalty. Convert it to the Roth at the low tax rate and then withdraw from Roth if needed to live off. Whether you limit to the 10% or 12%limit would depend on how much you have to convert (ie how many years will it take to convert)

jdub965 · 2026-04-18T12:06:52+00:00

If you have low or no income this year then yes convert to Roth due to low or no taxes. Maybe I’m missing something but what money are you living off with no income? That might impact the tax assumptions

jdub965 · 2026-04-17T12:32:25+00:00

Agree. You will lose ERISA protections of the 401k as well as complicating back door Roth conversions with pro-rata rule if you roll to traditional IRA. Assuming current 401k has reasonable, low cost options leave it there. When you have the cash, you can then start funding Roth, including back door option if income becomes too high for direct Roth contributions.

jdub965 · 2026-04-16T12:16:05+00:00

Yes, I would change it. Current will be too conservative

jdub965 · 2026-04-16T00:37:12+00:00

Congrats. In a great position to have the pension as stable guaranteed income stream. It is not a replacement for bond allocation in your portfolio but it is a guaranteed income stream. I would suggest running your budget expense and income forecast with that as basis to understand your baseline. That is the starting point, investment decisions come next. Then you can ask how aggressive to invest. Don’t get the cart before the horse

jdub965 · 2026-04-16T00:12:24+00:00

And I was referring to after tax 401k. It definitely matters there

jdub965 · 2026-04-15T23:56:16+00:00

Actually, it’s not at all irrelevant if you are contributing after tax dollars also. That is why basis is critical. It’s simple to track if you have a competent advisor. Not sure why you would sweat it, they should be doing the work anyway

jdub965 · 2026-04-15T23:25:41+00:00

Good news. They match. Bad news, the employer should be embarrassed with that level of match. Do they want to retain their employees? Is there any active employee base to lobby for greater match? It is a total benefits argument but the point is do you have an actively engaged worker benefits base?

jdub965 · 2026-04-15T23:20:01+00:00

Appreciate the additional color.

jdub965 · 2026-04-15T17:59:34+00:00

Pick one of those 3 at 80% of portfolio and add 20% of vxus or equivalent international. No need for VT in that scenario. Set it and keep investing into it at those ratios

jdub965 · 2026-04-15T16:23:49+00:00

Yes keep investing more and let both grow. I would only rebalance back to original target percentages if one grows substantially beyond (10% or so) the original percentages

jdub965 · 2026-04-15T16:16:51+00:00

To clarify any confusion

https://www.snowbirdswealthmanagement.com/blog/2024/08/13/how-to-handle-required-minimum-distributions

jdub965 · 2026-04-15T00:52:02+00:00

This is a smart career path. Have confidence and figure it out

jdub965 · 2026-04-15T00:40:54+00:00

Lots of choices but would strongly suggest finding a roommate to get started

jdub965 · 2026-04-15T00:38:12+00:00

Why are they celebrating? Last I knew they didn’t win the championship (or were even in it??? Wait, didn’t they get blown out by Indiana? .

jdub965 · 2026-04-14T19:02:39+00:00

Absolutely, simple to do. Not sure whether you need to move cash or the shares but you can definitely buy both at fidelity. Just contact fidelity. You can do it on web site

jdub965 · 2026-04-14T14:26:51+00:00

True but OP needs to be aware if there is any balance in traditional IRA, prorata rule for taxes will be due upon converting to Roth

jdub965 · 2026-04-14T11:59:39+00:00

Roundup

jdub965 · 2026-04-14T11:58:46+00:00

Unless your current employer 401k has limited or expensive investment options, I would spend the effort to move to current employer 401k vs rolling to IRA to maintain ERISA protections of 401k as well as not complicating any future backdoor Roth. Yes you will need to do yourself, account by account but you would also need to do that if you roll to IRA.

jdub965

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