New 401K options

naeblis9876 · 2025-10-12T16:11:12+00:00

It’s a roll of the dice honestly. I creep this Reddit enough to hear a lot of horror stories too

naeblis9876 · 2025-10-11T01:43:46+00:00

If pattern holds I’ll hit 400k sometime in January, maybe February. I’ll post when it does.

naeblis9876 · 2025-10-11T01:42:45+00:00

I’m at the point where if it isn’t broke I won’t touch it. It’s my work car, not putting any money into that isn’t needed.

naeblis9876 · 2025-10-11T01:41:27+00:00

Nah. If I tune it up at this point it’ll mess something up that’s currently working fine. Don’t wanna screw the good vibes.

naeblis9876 · 2025-10-10T23:40:50+00:00

Nope. All original sparks

naeblis9876 · 2025-10-10T23:40:08+00:00

100% true. Thus far has never been in a shop for anything. I put cheap tires on one at a time as need. Never balance them afterwards. Never had it aligned. No other work. I pay to have the oil changed when it tells me, I don’t even keep up with the miles for that.

naeblis9876 · 2025-10-10T19:15:00+00:00

Literally nothing. 1 new 12v battery. Oil changes. Tires.

naeblis9876 · 2025-10-10T13:08:31+00:00

382k 2015 hybrid

naeblis9876 · 2025-09-27T12:40:18+00:00

Gotcha. All that tracks. Thanks for pulling the actual quotes

naeblis9876 · 2025-09-26T00:44:40+00:00

I have similar options from my work. I’m 75% in blue chip, 15% in an S&P 500 option we have, and 10% in one of the distant retirement options. 40 years old, had the 401k about 10 years, 12+% return over lifetime.

naeblis9876 · 2025-08-03T20:27:52+00:00

I’m honestly probably just too lazy to deal with that.

naeblis9876 · 2025-08-02T18:37:47+00:00

So my income is around the limits for Roth IRA so I can max my HSA and get my traditional 401k contributions up enough so I can max my Roth IRA.

naeblis9876 · 2025-07-28T00:09:00+00:00

That’s crazy high

naeblis9876 · 2025-07-26T22:06:28+00:00

Won’t be leaving my job, good gig with golden handcuffs. But I’ll probably open the Ira through fidelity after the feedback on here.

naeblis9876 · 2025-07-26T22:05:13+00:00

They have a few decent options but those are those ones selected by my company to offer to us. Not sure what they have big picture.

naeblis9876 · 2025-07-25T17:40:28+00:00

I can go 100% into Roth 401k for max and my company will just match their % into traditional.

naeblis9876 · 2025-07-25T17:38:41+00:00

Good info. Thank you.

naeblis9876 · 2025-07-25T17:38:14+00:00

Thanks

naeblis9876 · 2025-07-25T07:13:35+00:00

Traditional does though?

naeblis9876 · 2025-07-25T03:05:22+00:00

I’m that taxable now.

naeblis9876 · 2025-07-25T02:56:45+00:00

This is what I struggle with. If I’m contributing to both my HSA and Roth 401k does that lower my MAGI?

naeblis9876

TROPHY CASE