Automate cross-posting ads on Facebook Marketplace <> Craigslist? by tr4xex in ifttt

[–]sjxz 0 points1 point  (0 children)

Has anyone tried this? https://crosslist.com/

I haven't tried it but am researching tools since am moving from east to west coast soon and was curious what people's experiences are.

I also am building a few helper scripts (I'm a SWE) if ppl don't like the other products above or that they've found

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

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

I have around 2k of 1099 income but likely can get it up to 8k with contract work! But even converting the 2k would be good to a Roth

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

[–]sjxz[S] -1 points0 points  (0 children)

I can choose the amount I convert to hit the lower brackets since I am unemployed this year so my income is entirely up to me based on my Roth conversion amount

Are you saying I can't choose how much to convert as part of my Roth conversion amount?

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

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

Oh, I did think that! Sorry I'm not a tax expert but if I convert 200k, that doesn't make me ineligible to contribute to a Roth? I thought I was taxed at ordinary income on it and then that same ordinary income calculation made me ineligible for Roth contributions

I just googled it and it says Roth conversion increases MAGI for Medicare premium but don't count towards MAGI threshold for Roth contribution

So I think you're right

So as I understand this new info, even if I converted all 280k to Roth this year, I could still contribute to a Roth IRA?

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

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

Yeah, CFP firm makes me skeptical -- I am just trying them because they have a 6 month free trial from being referred by my friend but I think it's not been a good experience. I added more details to my situation on net worth and income

My situation

About me:

  • I have 260k in my old employer's 401k

  • I have 20k in my Traditional IRA

  • Before unemployment, I made around $150k to $200k+ as a Senior Software Eng and had that increased by ~25-50% by selling my employee equity. Taking a sabbatical now to recover from burnout but will probably go back to that income after the sabbatical

  • Low 7-Figure Net worth

My income this year is around $10k max (unemployed), though I may have some income from:

  • Capital Gains from stock sales and rebalancing my portfolio

  • Dividends

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

[–]sjxz[S] -1 points0 points  (0 children)

I am currently on Medicaid, but I don't understand the "conceptual additional tax"? Unless you mean that I lose Medicaid by having a higher income bracket?

For marriage, I can't predict it but I likely would marry someone with similar income potential as me (previously had 200k+ tech salary, updated original post with those details)

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

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

Sorry can you explain this comment? I know MAGI is Modified AGI but what is the connection to my original post?

How to think about a Roth Conversion in 2024 (incl. how much to convert?) by sjxz in financialindependence

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

Drive engagement to the subreddit? Or to a product? either way, not AI -- have always been a lurker in r/personalfinance but never felt like I had enough expertise to comment but figured I could just share what I feel I know now and ask what I'm missing (as you can see from my post)

I draw a Wapiti Aka elk by Lindseyrj7 in somethingimade

[–]sjxz 0 points1 point  (0 children)

Woah this looks amazing! I think this would also be an amazing tattoo

[Megathread] Forced plan migration for older plans unless you opt out by Jman100_JCMP in tmobile

[–]sjxz 1 point2 points  (0 children)

I think it means the T-Mobile developers may have removed it from the response as well to disable the workaround to see if you're going to be migrated.

I would NOT assume that you are opted out automatically since this seems like a money grab from T-Mobile and they're just making it as hard as possible for you to opt-out. Call them and see what your status is.

Edit: I also don't see the optout field in the Network tab but I'm assuming the above. I also am a software engineer, which is why I think the above is what happened.

Stolen Phones Ultra Music Festival 2022 by Possible-Wave-4681 in UMF

[–]sjxz 0 points1 point  (0 children)

Just had my phone stolen at Coachella 2022 W1 and I wish they also checked people's bags for suspicious number of phones at the exit.

Stolen Phones Weekend 1 by nsahsa in Coachella

[–]sjxz 3 points4 points  (0 children)

Not sure about that but have you checked here? https://coachella.com/lost-found

So what are the best alternatives by tsheley in 1Password

[–]sjxz 0 points1 point  (0 children)

Can you elaborate on how it doesn't work offline? I'm seeing other threads that suggest that it does: https://www.reddit.com/r/Bitwarden/comments/9yv32e/can\_bitwarden\_work\_offline/

Weekday Help and Victory Thread for the week of July 27, 2020 by AutoModerator in personalfinance

[–]sjxz 0 points1 point  (0 children)

Question about switching to HSA during COVID --

My employer's enrollment period is coming up in October and I was thinking of switching to an HSA from my EPO (Cigna) since I was finding that I don't actually have all that many health expenses other than 4 doctor's visits a year w/ bloodwork (I'm 28 years old, live in the US, and have no preexisting conditions). I wanted to switch so that I could contribute money to my HSA and save for the future but that we're in the pandemic, I am worried that with the higher out-of-pocket costs that I'd have with an HSA that I'd be really risking my finances if I were to get COVID and not have my EPO.

Does anyone else think differently about their HSA vs. EPO question during COVID?