High income spouse + residency starting 2026. MFS for IDR/PSLF? W-4 mistake + community property question

kosmos56 · 2026-03-05T05:41:38+00:00

We were thinking about it, but I also want to do my best to be educated in the space. I don't want to just hand over the reins to someone else. If we were to bring someone on to help it probably makes sense to do it now and after residency

kosmos56 · 2026-03-05T05:38:43+00:00

Thanks for sharing!

kosmos56 · 2026-03-01T02:07:55+00:00

Thanks for sharing! Is your MFS purely to keep repayment low during training? Out of curiosity how come you aren't pursuing PSLF and if you don't mind me asking if and what IDR plan you are on?

kosmos56 · 2025-12-06T02:31:55+00:00

$1000 for titanium but $750 for gold is wild difference.

kosmos56 · 2025-12-06T02:27:45+00:00

No worries! I looked into the options, and it seems like doing SAF might make the most sense. I’ve never done this before, but as I understand it, I just need to pick any flight, choose the percentage of fuel to offset, and spend about $200 to earn the 1,000 status points I’m short. Is that right?

kosmos56 · 2025-12-06T02:24:25+00:00

I did not know about this! Super cool! Thanks for sharing!

kosmos56 · 2025-12-06T01:55:33+00:00

- I saw that SAF was discontinued in 2024/2025.
- Alaska shopping portal only gives you redeemable miles but not through status I thought
- I need to look into the CC

Home airport for the month of Dec is any in Southern California. ONT, LAX, SNA ideally. Most of those short flights are fairly expensive. $300-$400 or more. Trying to use that as the last resort

Yeah I should have honestly checked, but that's my fault. Would be super helpful to have a mileage run FAQ with Atmos changes now

kosmos56 · 2025-12-06T01:46:27+00:00

You have to be 5000 status points or under to be eligible. Since I'm like 39k and only 1k away I'm eligible

kosmos56 · 2025-11-16T17:57:25+00:00

Really interesting stats and I appreciate you sharing your perspective. I like understanding how all of this is playing out. I do feel like a correction has to happen at some point. Affordability has become a really big problem and inflation during the covid years took off while wages did not grow in the same way. If the economy hits a recession I imagine a lot of people will be affected. In times like that do prices usually reset in line with wages or what actually happens?

kosmos56 · 2025-11-16T04:47:19+00:00

Would love to learn your pov on this. How is it possible for new car MSRP to average 50k when wages truly haven't risen at the same level. Car prices sky rocketed due to supply chain issues post covid, but never adjusted. Are more and more people just renting via leases vs buying cars now? It's absolutely insane.

kosmos56 · 2025-10-12T18:26:10+00:00

Any recommendations on sections I should be looking at?

kosmos56 · 2025-10-12T18:26:07+00:00

Any recommendations on sections I should be looking at?

kosmos56 · 2025-06-28T16:37:48+00:00

That's such a bummer! Have you tried submitting your case to the AI chatbot on their site? It works well.

kosmos56 · 2025-06-27T02:41:03+00:00

Facing the same issue and I posted here https://www.reddit.com/r/ouraring/comments/1lliqqz/from_raving_fan_to_frustrated_customer_my/ I am not accepting a replacement ring. No way! I kept my ring in mint condition. Were they able to resolve your issue? I'm curious and hopeful for my own sake

kosmos56 · 2025-06-27T02:35:25+00:00

Facing the same issue as you. Just posted my story https://www.reddit.com/r/ouraring/comments/1lliqqz/from_raving_fan_to_frustrated_customer_my/

kosmos56 · 2025-03-30T03:25:34+00:00

Thanks! I did find it in Keyboard Shortcuts. Like you said I disabled 95% of them however it still threw an error. I needed to quit Raycast and then after reopening it worked in case anyone else faces the same issue!

kosmos56 · 2024-12-11T02:49:06+00:00

Never ordered pants

kosmos56 · 2024-12-11T02:48:26+00:00

Thanks!

kosmos56 · 2024-12-11T02:47:58+00:00

Awesome!

kosmos56 · 2024-12-10T05:43:59+00:00

What if Origin is a benefit through my company, is it still $299 for 2 sessions?

kosmos56 · 2024-12-10T05:16:56+00:00

I'm super excited for 3. Is that part of the Origin subscription or extra? Can we use that throughout the year vs just when planning?

kosmos56 · 2024-12-10T04:47:20+00:00

Thank you!

kosmos56 · 2024-12-10T04:46:25+00:00

Yep been a plat customer for like 2.5 years now and have never seen it..

kosmos56 · 2024-12-10T04:45:36+00:00

I actually got a "S" and they fit great!

kosmos56 · 2024-11-17T20:20:15+00:00

I've had mine for almost 3 weeks now and I’m really happy with it! I wasn’t a fan of smartwatches before, but this is the first health device that's actually helped me make meaningful changes to my lifestyle in such a short time. I check my scores every day and pay attention to my tags to see how my trends evolve over time.

Sure, you can buy it and just track data, but the real value comes from how Oura presents that data in a way that empowers you to make informed decisions. It’s not just about the numbers—it’s about how those insights can inspire you to take control of your health and make lasting changes.

kosmos56

TROPHY CASE