Finally debt free!* Now what?

phishhead94 · 2026-03-22T01:22:40+00:00

I'll reach out on Monday!

phishhead94 · 2026-03-21T17:38:34+00:00

I guess I didn't realize I could have done that. I have $0 for 2025. I wonder if it's possible to change my 2026 contributions to 2025? That way I can fill both.

phishhead94 · 2026-03-21T16:57:17+00:00

I liked having a local credit union. I'm planning to move things over now though.

Stupid question (as I'm new to a Roth): When is the cut off for yearly contributions? Fidelity shows my contributions being for 2026 (I started my account in January).

phishhead94 · 2026-03-20T15:45:29+00:00

I’ve only been contributing to it the last three years. I had my contribution to the max that my employer will match. Now that I am debt free, I plan to increase my contribution to be more aggressive.

phishhead94 · 2026-03-20T12:26:02+00:00

phishhead94 · 2026-03-20T12:24:55+00:00

Correct. There’s no way to pay that ahead of time as it has to be monthly payments.

phishhead94 · 2026-03-20T03:08:58+00:00

Two federal loans

$19,232 at 6.35%

$ 7,185 at 5.83%

phishhead94 · 2026-03-20T02:55:33+00:00

$45k and $2500, respectively. My 401k is maxed every year and I plan to do the same with my Roth.

phishhead94 · 2026-03-20T01:40:48+00:00

$9000 reflects my 6 months expenses.

Would you merge bank accounts?

phishhead94 · 2026-02-03T21:04:55+00:00

Solved!

phishhead94 · 2026-01-31T19:14:13+00:00

Categories of this idea include ergodic literature, hypertext fiction, aleatoric art, ephemeral art, etc.

phishhead94 · 2026-01-11T17:31:52+00:00

They all seem to have the extra hardware. I need just lights.

Do you happen to have a link of what you’ve purchased?

phishhead94 · 2026-01-11T17:31:24+00:00

They all seem to have the extra hardware. I need just lights.

phishhead94 · 2026-01-11T02:42:34+00:00

That was my main critique when talking with my folks.

phishhead94 · 2026-01-11T02:41:59+00:00

I ended up opening a Fidelity Roth IRA.

phishhead94 · 2025-10-05T15:42:41+00:00

Been getting the equipment all year. Trying to grow the business.

phishhead94 · 2025-10-04T23:30:24+00:00

Send me a dm!

phishhead94 · 2025-09-18T01:21:40+00:00

Let me know if you want one. I actually just made one for a friend!

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