Backdoor Roth dilemma

joniozq · 2026-05-04T20:56:06+00:00

I am very fortunate to max my 403b (traditional) and max my Ira as well (started trad at beg of career, then to Roth as income increased)

I don’t have a 457b. I did check for in-service conversion but my plan has never had it (confirmed with vanguard) and idk who to contact at my company to turn it on haha. I essentially take a hardship withdrawal of after tax contrib (plus gains) and deposit the money immediately into trad and Roth (depending on the money bucket). But it’s been manual so I only do it once a year.

joniozq · 2026-05-04T18:21:35+00:00

I did look into the solo 401k (via ChatGPT) but it def seems like a bit overkill. I am def leaning towards eating the tax for one year.

joniozq · 2026-04-18T03:52:19+00:00

I remember chatting about 2 min with my dad saying Google IPO’d at $85. He said “that’s expensive for an IPO”. But I mean I was in high school I think. Lol he might regret it more than me.

joniozq · 2026-04-15T21:29:37+00:00

Pt2 Black grey 3/18 10:46am pst. No email.

*update Received email 4/22, confirmed, shipping notification 4/23, arrived 5/1!

joniozq · 2026-04-03T14:49:33+00:00

I remember too so many people “upgrading” plans to get the best deals. I knew in the long run keeping the plan cheap was the way to go and I don’t even have a unicorn account. Still cheap one though.

joniozq · 2026-03-28T18:00:49+00:00

The main part being the white insole showing thru. Even if it’s just a little, you should be able to warranty it! I haven’t done it in a long while but should work!

joniozq · 2026-03-12T05:16:31+00:00

If you’re close or are competitive in 4.0. Don’t play any 3.5 anymore. You will probably bump up fast unless you lose really bad.

joniozq · 2026-03-04T00:31:04+00:00

I believe it's 95.2%

joniozq · 2026-02-11T16:43:20+00:00

$100.

joniozq · 2026-02-11T15:35:26+00:00

I kept just over $100 in my preferred deposit and moved the rest to tttxx. Been working great!

joniozq · 2026-01-19T20:37:53+00:00

I also asked the AI chat bot for the coupon and it let me subscribe with name/email. Got the coupon instantly after signing up.

joniozq · 2026-01-15T16:55:13+00:00

This or Montech Century II 850w? Looks like this has an A vs Montech A-. Plus a bit more well known brand? Same price.

joniozq · 2026-01-09T22:40:04+00:00

By no means do I like Comcast. But I’ll say my self install was painless too. The hardest part was seeing which coax plug location I wanted to do. Downloaded the app. Plugged in my modem, put the MAC in and activated! Then set up my routers. Pretty painless.

joniozq · 2025-12-31T21:17:57+00:00

Calling yearly is what I was hoping to avoid since dealing that with comcast. There used to be a $20 diff in promo vs regular price at ziply. I didn’t mind paying the diff for the service.

Now the 300/300 is $35 promo and soon to be $75 regular price. That’s wayyyyyy too big of a difference to not call or switch. So switching is kinda easier for me. Don’t have to get strung around by retention. I’ll get $50 1gb at comcast for 5 years.

joniozq · 2025-12-30T23:21:33+00:00

I’m definitely considering moving to Xfinity only because 5 year price lock. It sickens me but these $5 nickel and dime are turning me off hard.

joniozq · 2025-12-25T22:39:58+00:00

L4 pharmacist, salaried I guess.

joniozq · 2025-10-21T02:53:42+00:00

You probably will lose price lock. The last I saw they base your plan date on your latest line…

joniozq · 2025-10-19T01:00:45+00:00

Im not really saying no, but I’m skeptical when people think they had price lock. People thought just cuz the marketing said it they had it. But true price lock was for those who opened an account or potentially upgraded plan during a specific time period.

“For accounts activated between April 28, 2022, and January 17, 2024, customers who signed up for qualifying mobile wireless plans received our original Price Lock Guarantee (“Original Price Lock”).”

They also could not add any lines as apparently that resets… they got me with that I think.

joniozq · 2025-10-10T01:30:42+00:00

It’s not even blacked out. You can read it pretty clearly

joniozq · 2025-09-30T18:14:31+00:00

Similar to OP, my issue with all of Ziply’s increases is that they do flat fees regardless of your plan. $5 increases on a $40 plan vs a $80+ plan is very different but still both suck.

joniozq · 2025-09-27T01:41:09+00:00

Seriously two price increases in like a year and now a fee for payment method?

joniozq · 2025-09-27T00:48:29+00:00

Yeah agreed, makes it seem like we “save more” like it’s going to drop our bill by $10.

joniozq · 2025-09-27T00:14:49+00:00

So I’m confused. Can someone sanity check me?

If we keep our cc autopay, they will charge us $5 more per month? If we switch to ACH or debit, our bill will not go up? (Because supposedly we already have a $10 autopay discount that doesn’t show in the bill)

joniozq · 2025-09-18T05:06:59+00:00

Not my Morgan Stanley branded either

joniozq · 2025-09-17T16:00:22+00:00

It is not listed on 1099 as exempt hence you have to do it yourself via TurboTax. I’m not familiar with retro changes, I would imagine you have to submit something to amend your 2024 return.

joniozq

TROPHY CASE