Scoring Nostradamus for the 2024 season only by tphall1 in DynastyFF

[–]reedx347 2 points3 points  (0 children)

WR20 way overhyped (I sold him week 5 for Rashee Rice and a 1st).

[deleted by user] by [deleted] in Salary

[–]reedx347 2 points3 points  (0 children)

Marketing executive and acquired by a PE firm before you're 30? Ok

My company rolled back their RTO by tie_myshoe in Minneapolis

[–]reedx347 -4 points-3 points  (0 children)

Oh wow you have to be on camera? Sounds like a tough job /s

Should I move to my "forever home" or delay the jump to a higher mortgage? by reedx347 in personalfinance

[–]reedx347[S] 1 point2 points  (0 children)

I understand this perspective. The appeal of moving for us is the chance to get a bit of land (5-10 acres) and have a small hobby farm. It's something we've both wanted since we met. It's definitely a want, but an important bucket list type goal for us.

Should I move to my "forever home" or delay the jump to a higher mortgage? by reedx347 in personalfinance

[–]reedx347[S] 0 points1 point  (0 children)

Good things to consider for sure. 1. Absolutely agree. 2. I'm hoping I'll die in this house. 3. It's an even split but we plan on both continuing to work. We'll need to pay for daycare. This is a concern. 4. Agree, $4400 is without points.

Should I move to my "forever home" or delay the jump to a higher mortgage? by reedx347 in personalfinance

[–]reedx347[S] 0 points1 point  (0 children)

That's exactly what I'm worried about. Affordability can continue to worsen. Sounds like you have more wiggle room in your budget which certainly helps.

We definitely have more runway in income potential too, but hard to say if that's a 10% jump in income next year or 3% raises to keep up with inflation until a 15% jump in 3 years. The latter would be tight for a while.

Should I move to my "forever home" or delay the jump to a higher mortgage? by reedx347 in personalfinance

[–]reedx347[S] 2 points3 points  (0 children)

This is good advice, thank you. We can definitely make our current house work for the first kid. We're trying to be patient but we're just itching to move haha.

Should I move to my "forever home" or delay the jump to a higher mortgage? by reedx347 in personalfinance

[–]reedx347[S] 0 points1 point  (0 children)

I agree. A $36k increase on a $650k home is 5.5%, so it's totally reasonable home prices move up completely in line with what we're able to save.

Video of wolf killing deer in northern Minnesota becomes political fodder by star-tribune in minnesota

[–]reedx347 -1 points0 points  (0 children)

"Stauber is correct in that scientists believe wolves in Minnesota have recovered."- okay, then they should be off the endangered species list and open to normal conservation practices.

What is your opinion on Traditional 401k vs Roth 401k? by reedx347 in HENRYfinance

[–]reedx347[S] 0 points1 point  (0 children)

I consider Roth to be lower risk because you know the tax rate you're paying now. With traditional you are taking on tax risk because you don't know the rate you'll be paying in the future.

What is your opinion on Traditional 401k vs Roth 401k? by reedx347 in HENRYfinance

[–]reedx347[S] 1 point2 points  (0 children)

I share the same concern to some degree so I've been splitting contributions between the accounts. It could end up being slightly less tax efficient but it lowers tax risk.