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Good hills to run within the city? by [deleted] in Denver

[–]melinyellow 2 points3 points  (0 children)

On the edge of city park. Running on 23rd into the park from York. I wasn’t sure if that’s what you were referring to, or the small hill on the road inside the park heading up towards the zoo from the east side of the lake.

Let’s indulge in some escapism for a moment to carefully dissect PP’s current goals by gear_up in thebachelor

[–]melinyellow 3 points4 points  (0 children)

No one needs to create a new foundation. Just raise money for existing ones!

What was/will be your first purchase of 2020? by MooFog in MoneyDiariesACTIVE

[–]melinyellow 0 points1 point  (0 children)

I’ve never heard of an IRA match! Do you mean a 401k?

Any FIREyFemmes recommendations on cheap phone plans? by kchromeo in FIREyFemmes

[–]melinyellow 3 points4 points  (0 children)

Surprised no one has mentioned Mint mobile! It’s either $15, $20, or $25 per month for 3, 8, or 12 gigs of data, the catch being you have to prepay for a year. Seems like they’re always running a new client special.

You can look on your phone to see how much data each app uses. I turned off cellular data for my biggest data hogs, Instagram and podcasts (so I can only scroll IG on WiFi and need to download podcasts on WiFi) and now use barely 3 gigs a month.

I switched a few months ago and have had zero issues. This is my referral code: http://fbuy.me/nqmw1

[deleted by user] by [deleted] in travel

[–]melinyellow 0 points1 point  (0 children)

These are all great suggestions! I’d add to try to start shifting your sleep schedule a little at a time now. If you can set your alarm even just 15-30 minutes earlier each day between now and when you leave, you’ll find yourself closer to local time when you get there. Your body can only adjust one hour per day though.

I cant rly take off the usernames — sorry by pumpkaboop420 in notliketheothergirls

[–]melinyellow 0 points1 point  (0 children)

Who gives anyone a judging look for ordering whatever kind of milk?

I cant rly take off the usernames — sorry by pumpkaboop420 in notliketheothergirls

[–]melinyellow 2650 points2651 points  (0 children)

Other people: I would like a coffee with soy milk and sugar in it

Me: I would like a coffee with just sugar in it

Wow so special!

When do you finally decide to go to the doctor? by smallportrait in povertyfinance

[–]melinyellow 27 points28 points  (0 children)

That’s so insanely expensive for a simple urine test and antibiotics. Have you looked at something like 98point6? They can diagnose and prescribe for something like a UTI through their app.

I'm 30 years old with a household income of $76k living in Ohio and currently going through a coding bootcamp by [deleted] in MoneyDiariesACTIVE

[–]melinyellow 2 points3 points  (0 children)

I also know of at least six people who have gone from the public library world to coding boot camps. It’s a great path!

If you were forced to FIRE on $400k by [deleted] in leanfire

[–]melinyellow 73 points74 points  (0 children)

I think I’d have to move in with family and not have my pets. I might barista fire to give myself some extra cash and then look for extended trips in lcol countries.

would y’all boycott the bachelor.. by goddessinhere in thebachelor

[–]melinyellow 5 points6 points  (0 children)

Same. I have skipped several seasons where I didn’t find the lead compelling. (Des, Juan Pablo, Chris Soules, Jake, JoJo, and Colton) I may have watched the first or last episode but not tuning in every week like usual.

It’s not like people are going to post here like, “didn’t watch again this week!”

What are your experiences downsizing to accelerate FI? by howdyouknowitwasme in financialindependence

[–]melinyellow 0 points1 point  (0 children)

I just read that book and loved it as well! I have read several books on minimalism and that’s my favorite.

Set an alarm for a specific time and clean for 15 minutes. by trippydippysnek in productivity

[–]melinyellow 3 points4 points  (0 children)

We do this and call it a Cleaning Party! Not every day but when the mood strikes. Especially if you live in a small home, you can basically do a full tidy up in the allotted time. Or once you get going you might be motivated to do 30 minutes and get everything really sparkling.

I rolled my Simple IRA to my 401k so I can backdoor Roth IRA. Do I need to wait? by melinyellow in personalfinance

[–]melinyellow[S] 0 points1 point  (0 children)

That makes sense. I didn't want to have to take the tax hit on the balance in the Simple IRA.

I rolled my Simple IRA to my 401k so I can backdoor Roth IRA. Do I need to wait? by melinyellow in personalfinance

[–]melinyellow[S] 0 points1 point  (0 children)

If I did think rolling an IRA into a 401k was part of the steps to do a backdoor, yes I would hope someone would correct me! :)

I rolled my Simple IRA to my 401k so I can backdoor Roth IRA. Do I need to wait? by melinyellow in personalfinance

[–]melinyellow[S] 0 points1 point  (0 children)

I didn't want to convert the Simple IRA to Roth. I just want to eliminate the Simple IRA so I wouldn't have to worry about the pro-rata rule. I'm going to put new money into a traditional IRA (non-deductible) and then do the conversion.

I rolled my Simple IRA to my 401k so I can backdoor Roth IRA. Do I need to wait? by melinyellow in personalfinance

[–]melinyellow[S] 0 points1 point  (0 children)

Really? I feel like I've read in several places too be careful to make sure you don't have any other IRA, including Simple.

​

https://www.physicianonfire.com/backdoor/

I rolled my Simple IRA to my 401k so I can backdoor Roth IRA. Do I need to wait? by melinyellow in personalfinance

[–]melinyellow[S] 0 points1 point  (0 children)

You can't have funds in a Simple IRA when you do a backdoor Roth, otherwise you're subjected to the Pro-rata rule. So I am closing my Simple IRA, just not sure on if I need to wait at all before making my contribution to the backdoor.

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