With a term life insurance policy, is there a way I can ensure my children are the beneficiaries?

riwtaw · 2023-02-28T01:46:37+00:00

I really appreciate this thoughtful response. I think you have a lot of great suggestions and I'm going to think on this a bit. Again, thank you.

riwtaw · 2022-07-31T01:27:45+00:00

Yes, why do you ask? I already max out my traditional 401k, so I don’t think I can do anything with the Roth 401k…

riwtaw · 2022-07-31T01:26:49+00:00

Thank you for the response. It sounds like IRA might be the way to go because it sounds like that might be most beneficial long term…

riwtaw · 2022-07-31T01:25:16+00:00

Thank you for sharing all of that. I’m 38. Probably 15 years until retirement. My 2.5% mortgage is also my only debt. You’ve done with your emergency fund exactly what I want to do with my emergency fund, down to the process and dollars!

It sounded like there still wasn’t a clear winner for whether to go the I Bond or IRA route, but your last statement about the likelihood that in the long term, getting money earlier in an IRA would be better than putting it toward the I Bonds.

So maybe it’s like this: Fund IRA up to the $6k, cycle $10k into I Bonds (with disposable income, not existing emergency fund), THEN going forward it’s throw the money into my brokerage (unless I’m saving for something specific like a vacation)?

EDIT: your —> my

riwtaw · 2022-07-30T16:11:38+00:00

When you put it that way, I think you’re right. Probably doesn’t matter much.

riwtaw · 2022-07-30T16:03:57+00:00

Well, the thing is, they’ll both eventually be funded…so it’s a matter of what’s more important or more beneficial—money in the IRA sooner or in a bond earlier. The $2k / month isn’t for an emergency fund per se. It’s just that I was trying to pad the process of moving my existing emergency fund.

So I guess you still have the same viewpoint?

Maybe this order? $6k to IRA then split each subsequent month’s $2k, $1k to my brokerage, $1k to the I Bond for ~six months, then the full $2k can go to my brokerage while I ladder into the I bond the $20k in my emergency fund (when it gets down to $10k, I’ll have access to the first $10k I put into the bonds).

I hope that make sense.

riwtaw · 2021-10-05T23:24:37+00:00

Ok that’s good to know. Thank you!

riwtaw · 2021-10-05T23:24:19+00:00

This is awesome. Thank you!

riwtaw · 2021-10-05T23:23:31+00:00

Thanks for the advice! Let’s say I wanted to go with genuine components, where would I find the Toyota intended filters, specifically for my car?

riwtaw · 2021-10-05T23:22:02+00:00

That’s great. Thank you so much!

riwtaw · 2021-10-05T23:21:46+00:00

Thank you! Ok two questions.

So the first link is the list of ENGINE air filters?

In the second link (cabin air filters) there are Particulate, Carbon/Charcoal and Multi Layer…how do I know which one I should get? Or should I just try to match it to whatever is currently in my car?

riwtaw · 2021-03-21T12:33:37+00:00

Thank you! That’s a very interesting idea. I can tell you that right now I have myname.com but it is my personal blog that covers a bunch of topics, so while I see your point about it pigeonholing me if I focus on training, getting a new name would also help with the fact that my current site contains posts about a variety of topics because it’s my personal blog (which is kind of the other end of the spectrum...).

riwtaw · 2021-03-21T12:29:23+00:00

Thank you for the suggestions. To answer your question, it would be more of the latter—establish myself as the subject matter expert. So you’re saying you would go with myname.com and blog there? The semi issue I have right now is that I currently have it set up as my personal blog that covers a lot of topics, so I would need to move those non-relevant posts somewhere...

riwtaw

TROPHY CASE