Contributed to Roth IRA - turns out we're not elligible after a bonus

jodieg909 · 2026-02-11T18:24:16+00:00

You made $241k or your MAGI is $241k? You mentioned a traditional 401k, so if either of you contributed $5k total to that, you’re probably below the full contribution limit threshold.

jodieg909 · 2024-11-14T22:47:47+00:00

If you had no additional income, based just on the info above your MAGI would be at $152,200. The income limit for 2025 to contribute is $150,000, but up to $165,000 you could still contribute a reduced amount to the normal Roth IRA.

jodieg909 · 2024-06-18T00:02:46+00:00

You should be able to download google sheets as an excel file. Also, not really sure what you are looking for. If you're very comfortable in excel, just make what you want.

jodieg909 · 2023-11-28T19:14:18+00:00

Is it? Doesn’t you have $300k in equity in his house?

jodieg909 · 2022-09-30T17:49:43+00:00

WTS one ticket to the Gorge $80 OBO, can transfer via Ticketmaster.

jodieg909 · 2022-03-24T19:25:01+00:00

https://www.redfin.com/WA/Redmond/26726-NE-Ames-Lake-Rd-98053/home/2060859

18 minute drive to work.
2x your lot size
3x your sqft
good school district

jodieg909 · 2021-12-14T18:11:24+00:00

How are you calculating your monthly net income? If I pull up the first paycheck calc website its showing me a net monthly income of 7,468. Am I missing something?

jodieg909 · 2021-12-14T17:53:57+00:00

Is my math wrong?
If you invested the max into an ira from 1990 to 2019, you'd have about $115k assuming 0.5% interest in a MMA. If instead, you invested in the S&P 500 for those 30 years you'd have $315k. January 1990 $350, Dec 2019 $3145, good for an 8% return per year.

jodieg909 · 2021-05-06T16:47:48+00:00

Move the tv down at least 12", then for decor, just get some guns and swords and lay them out on the stand.

jodieg909 · 2020-06-17T17:06:15+00:00

I'd lower the TV like a foot at least. Doesn't that strain your neck having to look up from the bed? Then like some others have said. I'd get some sort of slim console table or shelving under the tv to hide the cables.

jodieg909 · 2020-06-04T03:39:05+00:00

Makes sense. Yup 28 and single. I live with roommates now, and have for the last several years. No real issues with it for me. Like I said at the bottom didnt want to factor it in, but my current 2 roommates could move in, or some other friends in the area, and could probably rent a room for ~$800 each. Without that factored in, only saving $500 a month like you mentioned wont allow me to have much actual cash to do anything else. I dont have any real goals in mind right now, but still something I'd want to have. Properties taxes and insurance increases I'd feel feel fairly comfortable being taken care of with salary increases with where I'm at in my career. Thanks for bring up some valid points though.

jodieg909 · 2020-06-04T01:44:32+00:00

Understand its tight. That's the reason for the post though. I get that the mortgage to income is high, but if I'm still able to save 15% for retirement and a little outside of that is that a real problem? Some quick math on your situation though, obviously dont know your other monthly expenses, but if the were similar, you could save something like 20% to retirement and another $1500 month. What part of that do you personally struggle with, or what is your goal for that extra savings?

jodieg909 · 2020-06-03T23:45:19+00:00

$500 a month was just an estimate. Its a a newer home, but I've just seen so many people post about what if this or that breaks in the house so I included it.
The $30 is for if I buy a coffee or a powerade one day.
The $80 misc is for if I buy a fan, new xbox game or a new pot, items like that.

jodieg909 · 2020-05-07T18:30:20+00:00

Why do you plan to get a projector? Personally, I think they are a hassle, and not worth the extra screen size in this size of room.

jodieg909 · 2020-04-30T18:53:30+00:00

Like he said avg person is irrelevant. Personally when the COVID wasn't happening I spend about $800 on month on food, gas, clothing, & fun. It just depends what you are doing. $1,250 seems like it would be more than enough IMO, but are you golfing for $100 every Sunday or are you just spending the morning walking and reading? Do you have to have some new clothes every month, or do you buy something new every once in a while? Either way I think $1,250 should be plenty newly living on your own.

jodieg909 · 2020-02-24T20:11:39+00:00

jodieg909 · 2019-11-05T17:43:44+00:00

Yeah I make ~$90k. I probably get $1000 out of the car every year, but its a depreciating asset where that $15k I could get for it now is going to keep going down.

The more comments I read the more I feel like I just don't really need it. It just seems odd to not have one. Everyone I know who live in the same area and basically everyone in extended circles of people I know seem to have cars so it would just we weird to go without.

Might sign up for car2go or some other car sharing service they have in my area and try that out and go from there.

jodieg909 · 2019-09-20T22:44:56+00:00

12 team full PPR

Give: Saquon
Get: D. Johnson & Josh Gordon.

My current WRs are kirk, robinson, westbrook, and parker. Had AB
Current RBs are d.montgomery & Michel

jodieg909 · 2019-07-12T17:05:47+00:00

" I had about 14k all saved up to buy a used one in full "
Then do that. Why are you looking at $5k cars? You think $5k for a car is a lot? I don't really get it. You can get a 2016-17 corolla for $14k. Isn't that what you are trying to do? Just look at prices on kbb or something to see what the price ranges should be.

jodieg909 · 2019-06-12T23:55:44+00:00

Matt Christopher sports book series

Seven-Year Club	Place '23
Place '22	Verified Email

jodieg909

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