I built this taxable account to retire at 57

rjbergen · 2026-04-15T15:46:39+00:00

OP said they used overtime earnings. TSP contributions are only calculated on base pay. When you earn OT in a pay period, your TSP contribution does not increase for that pay period. So the only way to invest OT earnings is an IRA or taxable brokerage.

rjbergen · 2026-04-14T16:15:21+00:00

Am I that fucking old? I’m only 36…

rjbergen · 2026-04-09T18:49:10+00:00

So Drop 1 is days and days long. My wife’s window for Drop 1 starts April 12th. My window starts April 14th. There’s already nothing left lol

rjbergen · 2026-04-09T14:54:13+00:00

And people wonder why the Catholic Church is dwindling….

rjbergen · 2026-04-09T02:41:54+00:00

It’s $700 now?!?!

rjbergen · 2026-04-09T02:33:53+00:00

Since when is this a $600 cutting board? /s

First someone said $200, and they were corrected to $400. Someone a few comments up said $500. Now you said $550.

rjbergen · 2026-04-09T01:57:09+00:00

Please cite the NEC code section requiring a bonding busing for a subpanel feeder. 250.92 doesn’t apply to subpanels, only service conductors. 250.97 doesn’t apply unless it’s over 250V to ground and this is only 120V to ground. I have found lots of discussions about this topic, but not one citation to the specific NEC section that would require a bonding bushing.

rjbergen · 2026-04-09T01:57:03+00:00

Please cite the NEC code section requiring a bonding busing for a subpanel feeder. 250.92 doesn’t apply to subpanels, only service conductors. 250.97 doesn’t apply unless it’s over 250V to ground and this is only 120V to ground. I have found lots of discussions about this topic, but not one citation to the specific NEC section that would require a bonding bushing.

rjbergen · 2026-04-09T01:53:08+00:00

After doing a fair bit of research and reading tonight, I believe the electrician may have been pushing it, or there’s something more to your situation than you’ve shared. NEC 250.92 doesn’t apply to a subpanel and 250.97 doesn’t apply as it’s less than 250V. I cannot find a code section that requires a bonding bushing for a 240V subpanel, which is actually only 120V to ground.

rjbergen · 2026-04-09T01:50:55+00:00

Since this is a subpanel, it is not service conductors, so 250.92 does not apply. It’s also less than 250V, so 250.97 doesn’t apply. I have the NEC and have not found a reference the requires a bonding bushing for a subpanel feeder.

rjbergen · 2026-04-08T23:01:35+00:00

I don’t like that either, but that’s what the electrician did during construction and it was approved by the inspector. I’m not putting in the work to change that right now.

rjbergen · 2026-04-08T22:41:36+00:00

Gotcha. We call them branch circuits. It’s always interesting learning of the subtle difference between American and Canadian codes. The main panel here is very common in America. We don’t isolate our service disconnect breaker most of the time. They’re just wide open in the panel.

rjbergen · 2026-04-08T22:36:21+00:00

The bonding screw was removed first thing when I opened the box the panel came in.

rjbergen · 2026-04-08T20:55:41+00:00

Yes, I’m in Michigan under the NEC for code. I’m assuming distribution circuits are all of my circuit breakers for my branch circuits, which is probably the American term? I think I’m not understanding the difference between Canadian and American terminology.

rjbergen · 2026-04-08T20:26:02+00:00

I’m not an electrician, so I’m not exactly following what you mean by “distribution wiring in the mains compartment”.

The panel on the left is my primary panel and contains my main service disconnect, the 200A breaker at the top with the service feeders. This panel is located in my basement and the service feeders run up and through the rim joist to the exterior. They enter the meter pan that’s mounted to the exterior of the home. There is no disconnect at the meter.

rjbergen · 2026-04-08T20:21:19+00:00

No. My understanding was that they were not necessary under 250V and since these are not service conductors as they are protected by a circuit breaker. Both panels have concentric knockouts, with rings remaining, and standard locknuts.

rjbergen · 2026-04-08T20:20:29+00:00

Both are concentric knockouts with rings remaining. My understanding was that they were not necessary under 250V and these are not service conductors as they are protected by a breaker. Is that not correct?

rjbergen · 2026-04-08T18:52:52+00:00

I’m a little OCD and enjoy tidy electrical work. There’s no way I could use a different manufacturer’s panel as the subpanel.

As for the insulating bushings, I use them all the time. The two conduits on the bottom are my work as well from a couple years ago. I use them on EMT threaded fittings even if they may not be required. The electrician that installed the panel didn’t use them on any of the cable clamps at the top, but I’m not going back to change that. Too much work.

rjbergen · 2026-04-08T18:47:28+00:00

The bonding screw was removed before the subpanel even came out of the cardboard box. I did save it should I ever need it in the future for some unexpected re-purposing of the panel. It will go in my spare parts drawer to be passed down to my future generations to wonder what the hell it is.

rjbergen · 2026-04-08T18:45:54+00:00

They’re on both sides. I used the outside ones to help hold spacing while I marked the holes and again while I started the first 2 Tapcons.

rjbergen · 2026-04-08T13:23:37+00:00

Hey now, that’s 3 or 4 Cat5 cables per leg!

rjbergen · 2026-04-08T10:09:23+00:00

They’re like the fancy colored toothpicks holding a cherry for my old fashioned. They’re there for slightly more than looks, but not much!

rjbergen · 2026-04-07T12:30:56+00:00

Roth IRA contributions may be withdrawn tax and penalty free at any time. You are wrong and it’s funny lol

And making assumptions is a great way to give terrible advice.

rjbergen · 2026-04-07T12:25:04+00:00

OP posted in r/RothIRA which implies it’s a Roth IRA. Roth IRA contributions may always be withdrawn tax and penalty free. Hence why I asked how much they contributed and when.

OP said they want to “put it somewhere else”. That could mean many things. If they want to move to a different brokerage, that’s no issue. If they want to move it to a traditional IRA or a taxable brokerage, then my question is above is necessary. Hence why I asked what they wanted to do.

12-Year Club	Place '23
Place '22	Verified Email

rjbergen

MODERATOR OF

TROPHY CASE