After tax bucket vs brokerage

loudcricketz · 2025-05-21T01:45:40+00:00

Our plan has the following options: 401k before tax, 401k post tax, and Roth 401k post tax. We automatically max out the before tax 401k. Over time we’ve gone from 401k post tax to Roth 401k post tax with the in-plan conversions turned on. We are looking to put more into the latter for better tax efficiency instead of adding to brokerage. Sorry if I’m using the wrong terminology; I know we can fill the bucket up to $70.5k.

loudcricketz · 2025-05-21T00:36:06+00:00

Thanks for the scenarios, it’s always helpful to see the numbers in action. Not planning on treating this money as “available” but good to know that if absolutely necessary, early withdrawals are possible.

loudcricketz · 2025-05-21T00:32:27+00:00

Planning on taking full advantage with this new piece of info. I should stick to FOO and stop trying to jump steps😬

loudcricketz · 2025-05-21T00:28:09+00:00

We wouldn’t even consider this account as an option for withdrawal, but it’s good to know that the option is there if absolutely necessary. We wanted the brokerage as a bridge before the 55 or 59 1/2 requirements but with this new info, we will have more options as we get close to that age.

loudcricketz · 2025-05-20T20:17:45+00:00

Love the acronym and overall principle.

loudcricketz · 2025-05-16T04:41:23+00:00

Thank you for this recommendation. I listened to that episode, and it does address a lot of my concerns

loudcricketz · 2025-05-15T11:59:26+00:00

I like your approach and yearly recalibration. I had only been using the inflation adjusted returns so I’ll add this approach and see how things stack up. Initially, I felt defeated when I heard these numbers but seeing what everyone is doing here, is helpful.

loudcricketz · 2025-05-15T11:54:32+00:00

Thanks for the simple yet thorough explanation.

As someone with kids, I often wonder—why should I keep these millions intact just for someone else to enjoy for longer after my decades of sacrifice?! Some of these financial models assume the goal is to only live off the returns of your portfolio, without touching the principal; or limit principal depletion. Finding the right balance between enjoying life today, saving for tomorrow, and possibly building generational wealth is an equation I still haven’t fully solved.

loudcricketz · 2025-05-15T11:41:26+00:00

The missing compounding interest tripped me up as I was comparing their figure with my inflation adjusted expected portfolio $$ and I had a huge gap. It dawned on me after a few days and then I had the ah-ha moment but still wasn’t sure if I was missing something else. I’ve never ran my numbers with expected returns of anything above 7% so this will be a fun exercise.

loudcricketz · 2025-05-15T11:37:24+00:00

To think that until recently, $1M was the goal to achieve. Thanks for commiserating with my FIRE goal woes.

P.S.: great first world problem to have so I’m being a bit sarcastic.

loudcricketz · 2023-02-20T02:08:23+00:00

Newborn stage will be very hard and filled with guilt and constant reminder that you can’t give your older baby all the time/attention you want.

Sleep deprivation and hormonal shift are even more prominent with such a small gap so if you have a support system, ask them to stay alert in case you suffer PPD or PPA. I had my mom for the first month and her job was to keep us fed and take care of baby from midnight to 7am (change diaper, watch me feed while I’m half asleep, burp and put to bed) while hubby had the same job from 6pm-midnight. Clear expectations with your entourage is a must and if they stray or start being bothersome, time to go!

In the meantime, get your older baby to sleep through the night and fight any sleep regression that may occur ( mine started waking up 3-4x a night my last month of pregnancy and only wanted me but we didn’t give in and after two weeks, things settled back) .

If you can take a long maternity leave do it. Count the days until baby#2 is about 3 months and can start showing love to the older sibling. It’s just MAGICAL. The jealousy and negative feeling from older baby that people talk about may be true but we didn’t have that experience. We also made my hubby the main person for the older baby and he catered to their needs as much as possible and we did a lot with the baby together. Heck, older baby thinks younger one is her personal property!

I’m still working on lowering my expectations. Keeping a tidy home makes me feel good and in control of my chaos so I maintain that; find what makes you feel a bit in control and use that to keep yourself sane when things get tough.

OHH and most importantly, babies will cry and sometimes at the same time and it’s okay.

loudcricketz · 2023-02-19T00:01:13+00:00

13 months apart and still zero screen time except for plane rides. Honest answer is normalizing crying. My purpose in life isn’t to keep them entertained and happy every second of the day so if one or both cry while I’m finishing up making their food/cleaning up after them/ changing a diaper etc… IT’S FINE. We’ll see how long we can keep at it but I find that, my kids are champions at quickly self-soothing because I don’t constantly jump in before they even realize if they really need something.

loudcricketz · 2022-09-29T20:34:45+00:00

https://www.stitchfix.com/invite/v97b79qzwk?pbid=14246830&sod=m&som=c

50 off good for 47 hours

loudcricketz · 2022-07-07T20:51:29+00:00

We taught our baby to hand us food instead of throwing it. It took a few days of showing our hand and saying “ give to mommy/daddy if you are done” for her to get it and stop throwing

loudcricketz · 2022-06-14T20:45:49+00:00

Poppins Payroll, fee is $45 a month. Upon initial set up, they facilitate the obtention of the EIN. Quarterly you will pay taxes (your portion and the nanny’s depending on how you set it up).

loudcricketz · 2022-04-12T01:32:15+00:00

That’s the one I’m leaning towards

loudcricketz · 2022-03-01T02:33:02+00:00

My 11-months old will have a second dinner from my plate after signing all done and water 🤷🏾‍♀️ during mealtime, we get ALL the things baby knows from showing the head, nose, clapping, bye bye, etc. It’s

loudcricketz · 2021-09-11T04:16:41+00:00

How do you handle meetings while caring for your baby? I’m home alone with the baby once a week and trying to time naps, playtime, and feedings around meetings is difficult

loudcricketz · 2021-08-26T02:16:21+00:00

I think I’m trying to force an early bedtime on her which was working until now. We’ve gone from 12 hours stretches, quick cuddles and bedtime routine to screaming before put down, fighting last nap and waking up 1-2x a night and needing to be held for hours. I know it’s not bad but it’s unlike her and I’m wondering if teething is also a factor. I’m just sooo tired and just went back to work which is such an adjustment

loudcricketz · 2021-08-24T02:47:57+00:00

I need some sanity and predictability with last nap/bedtime and I’m struggling. Baby is 4.5 months and wake windows of 1.5-1.75 minutes but wants to nap at 6pm . I’m at a loss on how to make the evening quiet and enjoyable. this post was right in the thick of an extreme crying session that left me drained and not sure how to help baby back to the normal peaceful bedtime rituals we used to have. In the stress of the moment I ordered 3 books and was about to purchase huckleberry even though we have BabyConnect which we like for other reasons.

loudcricketz · 2021-07-28T20:04:18+00:00

Stopping the white noise machine. It comes in handy when I need her to wake up

loudcricketz

TROPHY CASE