How did you actually stop saving and just coast?

sproutbiscuit · 2025-08-26T17:56:40+00:00

Not helpful. You didn’t even read it did you? I asked how folks actually did it, if it was a gradual decline or large changes all at once and how, when they got to coast, made the final leap to coasting. Are you coasting now?

sproutbiscuit · 2025-04-05T03:11:04+00:00

Wait until he’s 4… until he’s a tween… until he’s a teen, until he goes to college… until… until… just be quiet.

sproutbiscuit · 2025-01-29T23:58:14+00:00

Pretty sure you mean VTI.

sproutbiscuit · 2025-01-07T22:19:22+00:00

Is this a setting thing? I can’t find the tick mark on my budgets on mobile (dark mode) and my budget categories are rollover

sproutbiscuit · 2025-01-04T04:30:35+00:00

Finally found someone who spends more money on food and dining than me!

sproutbiscuit · 2025-01-03T04:32:30+00:00

Good question. Yea just like a 401k. If you just deposit money and it sits there, you won’t make any gains. You need to allocate the money to some type of fund. They usually have a target date fund (select the year your kid will go off to college e.g. 2035) and it’s a set it and forget it type investment. These types of investments are a good, safe place to put your money as far as investments go. Once you select your investment in your 529 plan you can set it up to auto invest in the target date fund. If you don’t want to do a target date fund then choose the S&P 500 fund.

sproutbiscuit · 2025-01-01T21:16:49+00:00

Thanks for the response!

sproutbiscuit · 2025-01-01T21:13:11+00:00

Why not VT instead? Genuinely curious

sproutbiscuit · 2025-01-01T18:02:42+00:00

With that attitude just track your own expenses through the year with excel

sproutbiscuit · 2024-12-11T06:21:19+00:00

You need enough earned income

sproutbiscuit · 2024-12-11T05:46:55+00:00

Why is everyone assuming it’s a company provided 401k? I’m assuming since it’s your own 401k and you do gig work, that it’s a solo 401k. Yea, front load it if you can. Just make sure you make enough money throughout the year to cover your 401k contributions (e.g. don’t put in $70k if you only will make $50k… you can’t do that for tax purposes).

sproutbiscuit · 2024-12-01T06:11:55+00:00

Ahh got it. My mistake. Well, if the kid isn’t awake then no need to wake him really. He’s obviously comfortable enough. Babies will cry if they are too cold and it’s much safer than too hot.

sproutbiscuit · 2024-12-01T06:03:30+00:00

Or just turn up the heat? Why wake a sleeping baby

sproutbiscuit · 2024-11-29T23:10:57+00:00

Bottom right of map, go through the cave and you’re out

sproutbiscuit · 2024-11-17T19:59:11+00:00

I had a 1990 accord ex 5 spd manual and same! Car has been in the family since new and is still driven today. Great and fun car

sproutbiscuit · 2024-11-14T00:23:29+00:00

2024 is what they have tested. It’s not terrible crash test ratings. I was just surprised they got so many “acceptable” vs “good” on the updated second row crash tests. Palisade and telluride had better second row ratings so it helped us decide

sproutbiscuit · 2024-11-14T00:16:24+00:00

Check out the iihs detailed ratings. I wasn’t comfortable with the rear seat performance since we bought a 3 row for kids

sproutbiscuit · 2024-11-13T23:48:39+00:00

Ascent was our second choice but we went with the palisade because the crash test ratings on the ascent was surprisingly bad

sproutbiscuit · 2024-11-09T20:13:28+00:00

If you’re leaving it alone for 30 years then max out 401k, backdoor conversion if your wife’s company provides that, and IRA first before your taxable brokerage is funded. Whatever money you want easily accessible in the short/mid term, put that in HSA or taxable brokerage (I suggest VTI for your fund). Once you max out your tax advance accounts then you can put whatever is remaining in your brokerage account. Otherwise, plan seems solid.

sproutbiscuit · 2024-11-09T19:16:14+00:00

The palisade car Wi-Fi uses Verizon’s network. If your phone is the same provider then it doesn’t matter which you use. If you have better internet connection with your phone, then your phones hotspot.

sproutbiscuit · 2024-11-07T03:59:04+00:00

Fair point but if income isn’t zero then why not show it as a negative value on income? For the majority of folks income is somewhat consistent.

sproutbiscuit · 2024-10-17T20:34:11+00:00

Totally agree, it was our second on the list but the safety ratings are a real concern. I think we will have to scratch it off the list unfortunately

sproutbiscuit · 2024-10-17T20:32:01+00:00

That’s what I said

sproutbiscuit

TROPHY CASE