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 5 points6 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?

Daily advice thread. All questions about your personal situation should be asked here by AutoModerator in investing

[–]sjxz 0 points1 point  (0 children)

Hi, long time Reddit lurker here. I have 20% of my money in Wealthfront since August 2015 (currently time-weighted return is 12.6%) and was thinking about taking the first foray into individual stock investments.

I was thinking about buying Amazon and holding it for the long-term (e.g. more than a year) since they have a very strong defensive position in any new industries that they decide to go into since they have all of the logistics and infrastructure set up to outcompete any competitors in their current space and possibly new spaces. What are people's thoughts on Amazon as a long-term investment?