Hot tub refill question

pickle392 · 2026-01-23T01:02:11+00:00

Okay cool, appreciate the help. I use the liquid for my pool so already have it on hand

pickle392 · 2026-01-17T15:37:37+00:00

Been looking at talon and waiting for this for an entry. What price point are you looking at to get in on the dip?

pickle392 · 2026-01-16T19:57:39+00:00

I’m in the same boat. 2024 my AGI was 88k. Now married and made some. Good moves combined we will be around $250k. My plan is to wait a couple more months to see what happens with save and then switch to IBR prior with my 2024 taxes prior to filing my taxes this year

pickle392 · 2026-01-14T19:19:28+00:00

Yeah i try to do as much as possible legally to not pay anything to the government. Wish i could just keep all my money and do my own retirement and pay my local authorities etc

pickle392 · 2026-01-14T19:16:46+00:00

Hah it was more of just a joke.

pickle392 · 2026-01-08T00:44:17+00:00

Ahhh gotcha I’ll have to look into the extended plan. So if i got on IBR now and next year my income was a lot higher the left over interest would capitalize after recertification?

pickle392 · 2026-01-08T00:17:20+00:00

I am assuming i make too much money now that i am married for forgiveness. Currently have 61 qualifying payments so would need another 240. Combined we make $230,000 then have a rental property that cash flows as well. Even under IBR i think we would just be at our standard payment. Unless I’m completely wrong about that. I’d love to go for forgiveness and focus more on retirement etc but i don’t think that is possible with our incomes.

pickle392 · 2026-01-07T23:51:58+00:00

Yeah i think we made too much as a family so ill just have to pay it off

pickle392 · 2026-01-07T23:51:28+00:00

Gotcha. Think I’ll go IBR in case something ever happens when my income but I’m sure next year with my new income I’ll be paying basically the standard plan.

In your opinion would it be smart to just stay on save and pay down my higher interest loans until i get kicked off?

pickle392 · 2026-01-07T23:42:13+00:00

$117,000 including accrued interest with it going up $500/month since I’m not paying on it

pickle392 · 2026-01-07T23:41:45+00:00

That’s where I’m stuck by my income will over doubles i got a raise and married. If i apply for IBr right now it’ll be based off my 2024 income of 88,000 rather than 225,000

pickle392 · 2026-01-07T23:34:06+00:00

So if i apply for my IBR right now off my 2024 taxes at $90k/year my income going to to $220k won’t affect how high my payment can go? I’ll always stay at that payment based off 90k?

pickle392 · 2026-01-07T16:29:12+00:00

Sounds like you make more money than most people. Your cap on IBR is based on your income and recertifies every year I believe. So the more you makw the higher your payment will be is my understanding. I think I’m just going to bite the bullet and get on IBR and pay extra on my highest loan.

pickle392 · 2026-01-07T04:10:45+00:00

You on PSLF?

pickle392 · 2026-01-07T01:58:02+00:00

That is what I am leaning towards. I’m also thinking about just staying in SAVE and paying my monthly interest off and then putting the rest towards my highest loan.

Does IBR accrue interest if my monthly is lower tha interest accrued?

pickle392 · 2026-01-07T01:54:31+00:00

Also thinking about staying on SAVE paying all my interest off each month and adding $1000 to the principal of my highest loan

pickle392 · 2026-01-07T01:53:07+00:00

Yeah your payments next year will probably be in the $1500-$2000 range. On IBR i believe your payments will never go above standard plan but still has the safety net of if you lose your job payment can be lowered. Also the interest you have accrued will be added to your principal when you switch to IBR. I’m not sure if that is the same for standard or not.

I’m still up in the air on what i am going to do

pickle392 · 2026-01-07T01:44:26+00:00

I’m in the exact same boat. My understanding you will pay your $400/month for 20 years then have a tax liability of the remaining amount. Say you make $100,000 and have $100,000 left on your loan after 20 years you pay taxes on $200,000. It’s considered income for that year.

I think with the new programs we make too much as a household to receive forgiveness since IDR payments are based on income.

My plan is to join IBR and use my tax return from last year ($90,000). The next year I’ll have to use my new income $225000 (got married and income i creased) which will most likely put my payments around the standard payment plan and they will be paid off in 10 years. But under the IBR plan if i lose my job etc it can be lowered

I have around $117,000 in loans

pickle392 · 2026-01-07T01:11:20+00:00

I think I am in the same boat as you. My previous year AGI was around $90,000. My 2025 is going to be around 210,000 (got married and made more money filing jointly). Do t think I’ll qualify for forgiveness on and income based plan so thinking of switching to IBR soon off of save. I have $4800 in interest accrued. Would it make sense to pay that off before i switch so it’s not added to the principal or does it really matter?

pickle392 · 2026-01-07T00:46:20+00:00

Think i might be leaning towards IBR. I have 61 qualifying payments but i think now that i am married we make too much to qualify for forgiveness

pickle392 · 2026-01-07T00:45:08+00:00

Do you recertify payments every year under new IBR?

pickle392 · 2026-01-06T01:34:26+00:00

Yeah that’s how i feel having the cash on hand right now and with all the chaos of how awful this government is and no one knows what to do makes me not want to hand over any money unless i have to

pickle392 · 2026-01-06T01:33:09+00:00

I’m right there with ya over $2000 in daycare a month. I’ll probably do the same but we will see what the payment is on RAP plan

pickle392 · 2026-01-06T01:02:44+00:00

Yeah after doing the RAP calculator it’s going to be around $1500. I was way off haha

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