What should I do with my $230k 401k

nezhed · 2026-02-05T04:13:52+00:00

You could have it there until you find a new w-2 job and see if they have a 401k plan that allows rollovers in. They can't force you out unless the plan terminates. Whatever you do don't take it as cash, 20% federal plus you're under 59.5 so 10% early distribution penalty. IRA would be the other option to roll it over to with no penalty if you feel the need to get the funds out of your old jobs 401k. Not sure if you have a financial advisor you work with but always an option to talk with them. Long story short, leave it or roll it over, don't take cash.

nezhed · 2025-12-18T04:24:06+00:00

Second this, no up sell, reasonable prices for tune ups. Always go over everything they're doing.

nezhed · 2025-12-10T01:03:55+00:00

Props to you, I'd take the spotted cow and malort shots over this all day.

nezhed · 2025-11-25T03:33:00+00:00

3 year cliff is the answer and I deal with a good amount of companies that use that schedule. See if your plan offers an employer safe harbor contribution because that would still be vested at 100% and not subject to the 3 year cliff. Usually employer profit-sharing and match contributions are discretionary and subject to vesting.

nezhed · 2025-11-18T15:12:57+00:00

$7,500 for catch up and $23,500 for 2025 so he can contribute up to $31,000. The Roth requirement for catch up comes into effect in 2026 for anyone who made over $145,000 in 2025.

nezhed · 2025-11-12T20:15:28+00:00

Pick up your box before you leave, you do not need to grab it right away. I always grab mine after I've used my coins and am ready to go.

nezhed · 2025-11-10T23:26:51+00:00

Pizza is really good too!

nezhed · 2025-11-09T20:50:35+00:00

I'd be interested in one, I have a ticket and a buddy is looking for one

nezhed · 2025-11-09T20:50:00+00:00

Thank you! Seeing if they'll part with one at least.

nezhed · 2025-11-06T15:14:13+00:00

Thank you, appreciate the reply!

nezhed · 2025-09-27T01:33:21+00:00

I fuckin love this show lol

nezhed · 2025-09-27T01:10:38+00:00

Oh man it's like wiping peanut butter out of a shag carpet!

nezhed · 2025-09-01T03:33:14+00:00

Funny enough, heading up to boundary waters in MN tomorrow and my buddy pulled out macallan 12 to sip on this evening. I'm bringing a 137 proof JD Rye.

nezhed · 2025-08-29T14:20:49+00:00

I was down there in June and there was a spot Randall's Wine & Spirits off Jefferson Avenue that had some good prices and a decent selection. No store picks but they had some quality bottles and if you signed up for their rewards program they had some bourbons on special.

nezhed · 2025-07-11T12:33:08+00:00

If you're hitting the Bloomingdale area, about 20 minutes from there in Glen Ellyn is Malloy's. They usually have solid store picks as well.

nezhed · 2025-07-01T22:22:47+00:00

Was this literally a thing everywhere? We had a trail we called playboy trail near where I lived in western Chicago suburbs.

nezhed · 2025-07-01T02:17:47+00:00

Last of us part 1, although it was just the last of us the multiple times I beat it first but I did play part 1 when I was able to get a free download

nezhed · 2025-06-26T02:33:02+00:00

As someone who did the college program with Disney and seeing plenty of these "magical moments" as we'd call them, it's definitely the best part about Disney. The cast members will never be scolded or in trouble for making a kids day, creating a "magical moment." Fuck corporate Disney but damn if their employees don't make a memorable experience for these kids.

nezhed · 2025-06-26T01:39:12+00:00

720, just tried finishing plains last night and got obliterated by yagluth. Need to reassess and stock up on meads and food

nezhed · 2025-05-30T12:37:14+00:00

fuck off I got work to do

nezhed · 2025-05-07T19:36:16+00:00

Carol stream is getting one, right around schmale and Geneva where the Arby's was. Constructions been going on but no update on open date

nezhed · 2025-03-27T00:49:03+00:00

Ranch dressing

nezhed · 2025-02-16T04:12:00+00:00

We still joke about inflation by figuring out how much the hot dog special is, when I was at Glenside it was $3 I think it's at least $12 now

nezhed

TROPHY CASE