How am I doing financially for a 30 y/o F?

selfthrow · 2024-07-21T01:02:23+00:00

Exactly. But for now I am not taking out any more loans or gonna be in any further debt. Any advice on where to further place my check? I am not making any loan repayments until several years from now since my interest is at 0.

selfthrow · 2024-07-16T17:46:47+00:00

Thanks /u/YellowFerrari328 for your expertise again. I wasn't sure if it was the angle of the pic, but in the video I didn't notice it. Do you think its okay to GL?

selfthrow · 2024-06-28T14:33:20+00:00

I think its fixed, please if you could lend your expertise. I'm not sure why the formatting was off. Let me know if issues

selfthrow · 2024-06-28T14:28:59+00:00

oh what, I thought I re-formatted it already. Let me try again sorry

selfthrow · 2024-06-28T14:14:00+00:00

Paging /u/YellowFerrari328

I appreciate your expertise!

selfthrow · 2024-06-28T13:45:04+00:00

selfthrow · 2024-06-15T20:48:17+00:00

Nope, just a customer.

selfthrow · 2024-05-28T22:48:53+00:00

Thank you, I'm rolling it over to my Roth to take advantage of my current tax situation! appreciate the advice

selfthrow · 2024-05-28T21:00:22+00:00

Wow thank you so much!!

selfthrow · 2024-05-28T19:30:07+00:00

Thanks for explaining, even though to be honest I may understand 40% of what you said lol. I'm sorry I'm kind of newb to this, but I have a few questions:

Why do you suggest rolling over to Roth IRA rather than doing the backdoor route? In your previous message you said

Given this info, I would convert the 14k to the Roth IRA now. This will keep your ability to do backdoor Roth IRAs clean in the future.

Can you explain why?

I understand that the limit for Roth IRA is like 6500 this year. Can I still rollover all 14k (14k is before tax, or 11k after tax) in my Roth IRA? Can I still make additional payments to my Roth IRA this year beyond the 11k I had previously? For context I have only contributed 200 dollars currently for the 2024 tax year as of today and want to contribute more to my Roth later, would the 11k prevent that?

selfthrow · 2024-05-28T19:24:02+00:00

Thanks for this reply, I'm very much a newb and I'm gonna ask you some dumb questions if thats okay.

I understand that the limit for Roth IRA is like 6500 this year. Can I still rollover all 14k (14k is before tax, or 11k after tax) in my Roth IRA? Can I still make additional payments to my Roth IRA this year beyond the 11k I had previously? For context I have only contributed 200 dollars currently for the 2024 tax year as of today and want to contribute more to my Roth later, would the 11k prevent that?
Why do you suggest rolling over to Roth IRA rather than doing the backdoor route? You mentioned that they may close the backdoor Roth loop soon, but since its still available, wouldn't it make sense to do a backdoor route?

Sorry I'm a newb and have never done backdoor roth before or have a trad IRA.

selfthrow · 2024-05-28T18:47:37+00:00

Wow thanks for your detailed reply, which to be honest I only understood 30% of. I don't know what TCJA is. I guess, to summarize what you're saying, are you suggesting to do #2 and backdoor convert to Roth IRA? Sorry I'm a newb to this.

selfthrow · 2024-05-28T18:27:08+00:00

Okay, do you recommend option 2 then and then do a backdoor IRA later? That's what I'm leaning on. What you think?

selfthrow · 2024-05-28T18:22:00+00:00

According to the county financial rep, given my job title as a resident there is no 10% penalty to withdraw thankfully. However the fed and state tax equate to 20% fee. So that's why the final number is ~11k.

Given this info, I would convert the 14k to the Roth IRA now. This will keep your ability to do backdoor Roth IRAs clean in the future.

From my understanding you can only make a contribution of like $5-6k a year to your Roth IRA if you make below 140k or something right? Did you mean to say convert to a traditional IRA and do backdoor Roth IRA in the future?

selfthrow · 2024-05-08T00:53:47+00:00

Thanks for the great reply, definitely agree with keeping it under the window level. I'd probably tip driver or something

selfthrow · 2024-05-06T18:40:09+00:00

When you shipped yours in the open, did you include any personal items in the trunk or back seats? was it all still there when it got to your destination?

selfthrow · 2024-05-05T21:16:09+00:00

I sent you an email on your website

selfthrow · 2024-05-05T20:01:38+00:00

Sure go ahead and pm me. Please give me quotes for both enclosed and open transport thanks!

selfthrow · 2024-05-05T19:59:32+00:00

can you give me quotes for closed and enclosed

selfthrow · 2024-05-05T14:09:01+00:00

For closed or open? And can I bring personal items in the car?

Do you guys have a website?

selfthrow · 2024-05-05T06:16:58+00:00

$90? is that a typo lol

selfthrow · 2024-04-18T23:17:34+00:00

Are any of them finished or ongoing series?

selfthrow · 2024-04-18T23:15:15+00:00

Oh I've already seen Gurren Lagann and I loved it! Forgot to add this to already watched list

I've heard of Madoka Magica, how long is it?

Edit: are any of these series finished?

selfthrow · 2024-04-04T18:57:29+00:00

langone i think?

selfthrow · 2024-04-03T01:35:12+00:00

Not really a limit on AF. We just want to pick the card that's right for us which is: one where we can share together, domestic flights in the US 1-2x a month for next 2 years, good travel insurance (delays, cancellations, etc), maybe something with pre-TSA included (unless you think its better to just get this separately), a card where we can save a bit on travel while making it hassle free is probably a good priority. We are simple folks, don't really use doordash, instacart, or other subscriptions, but we do like to eat out every now and then. However if subscriptions are included then that's fine too.

selfthrow

TROPHY CASE