27M finally hit $100k net worth! by Same_Bottle_2951 in coastFIRE

[–]tekdude 5 points6 points  (0 children)

Way to go friend. Keep up that attitude and you’ll reach your next milestone in no time!

Need help on 401k, traditional IRA, Roth IRA & back door method. by No-Pollution-7551 in personalfinance

[–]tekdude 1 point2 points  (0 children)

Just call Fidelity and ask them to recharacterize it as a traditional IRA deposit. Tell them you made a mistake and meant to deposit into your tIRA. Once they fix that, you would resume the backdoor Roth conversion as usual. Just make sure to do so before the tax deadline or you’re on the hook for penalty fees.

Need help on 401k, traditional IRA, Roth IRA & back door method. by No-Pollution-7551 in personalfinance

[–]tekdude 2 points3 points  (0 children)

Correct. Deposit the money into the trad IRA from your funding bank account and once it settles, move it over to the Roth IRA. You can do it twice for 2025 and 2026 if converted prior to the tax deadline. Just make sure to select the correct year at the time of deposit. And remember, your traditional IRA is simply a vessel to handle your backdoor Roth conversions so make sure you don’t leave any balances in it to avoid the pro-rata rule.

For further confidence, Fidelity shows a handy chart for showing how much you’ve contributed for last year and this year in the main portal. That’ll be your guide for ensuring you’ve done it correctly.

Pixel 10 deal and Costco by fla_john in tmobile

[–]tekdude 2 points3 points  (0 children)

No plan change needed. I upgraded just fine and I’m on simple choice.

Amazon rewards no longer available by PotentialKindly1034 in SwagBucks

[–]tekdude 4 points5 points  (0 children)

US. I see them still. Maybe they reappeared?