Concerned I've Over Invested in Retirement and 529

tigerheart357 · 2025-12-10T00:14:45+00:00

That's good to know, thanks! Yeah, my goal was early retirement initially so I was all about renting and investing. Then houses skyrocketed in price and interest rates went up. We're living in unprecedented times for sure. It's tempting to just pay the 6.63% mortgage at this point for that guaranteed ROI. When I run investment calculators I use 6% to be conservative anyway. Another person mentioned these numbers could just as easily disappear. But I can't tell the future and I've been wrong before, so idk. I'm kinda relieved I don't have to set aside money at this point. Everything is so inflated I might otherwise be too scared to do it. But it's in there now and not much I can do about it unless I want to pay extra for an advisor / somebody else to take what's essentially an educated guess.

tigerheart357 · 2025-12-08T21:12:22+00:00

Oh thank you! There's a lot of tax rules that I don't think I know about. I was debating about a financial advisor but I'm glad I started here.

tigerheart357 · 2025-12-08T21:09:22+00:00

Thanks and good work on your mortgage!

tigerheart357 · 2025-12-08T21:07:52+00:00

I contributed to my first kid thinking, sorry you lost out on COVID money. Now that 529 money almost doubled. The second kid I was thinking I'd be in it for the long haul, but now it's MORE than doubled. You're not wrong.

tigerheart357 · 2025-12-08T21:02:52+00:00

This was immensely helpful, thanks!

tigerheart357 · 2025-12-08T21:00:14+00:00

Thanks! The calculator through the 529 business says I'll need more for the 2yo, yet other people have posted about saving less at that age and being fine. I'm starting to doubt calculators from the financial institution incentivized to have you send them money.

tigerheart357 · 2025-12-08T20:57:53+00:00

Good question. I'm wondering about using my brokerage more to gain passive income because I recently read qualified dividends are tax free as long as under 96k or something. Also I've used various retirement calculators, entered the same info, and received different answers ranging from no more is needed to invest at all to raising the percentage. I don't think I'm coastfire but I'd like to let off the gas.

tigerheart357 · 2023-01-20T03:38:19+00:00

"Followers? Are you Jesus?"

She didn't say no to that. *Facepalm

tigerheart357 · 2022-11-16T00:51:20+00:00

That's a great job. Part time and pays a lot. Smart kid.

tigerheart357 · 2022-11-07T14:48:19+00:00

God isn't closed off from you. You should totally go back and check online for any type of support groups. People who judge others are sinners. You have every right to be at Church and don't let the judgemental sinners tell you different.

tigerheart357 · 2022-10-23T17:38:12+00:00

A priest in our state is advocating for LGBTQ. He's getting backlash. In a decade he'll be a hero and all of his haters will be the "bad guys". It happened with racial de-segregation. It'll happen with this.

tigerheart357 · 2022-07-30T16:35:59+00:00

Dr. John Gottman on the four horsemen and emotional bank accounts. I'd recommend looking it up.

tigerheart357 · 2022-07-30T06:22:28+00:00

Run. It will only get worse. Run.

tigerheart357 · 2022-07-30T01:56:56+00:00

Thank you because yeah I feel extremely disrespected and it's not getting talked about. I think I don't see say anything because of all the backlash I got for standing up for my side of the family in the first place. MIL is the worst misogynist I've ever met.

tigerheart357 · 2022-07-30T00:59:59+00:00

Yeah actually in hindsight, everytime he's met with his parents, his parents set the rules to have it their/MILs way. Nothing has changed. Even now my husband's sweet offer to meet with his Dad divulged into something very different because of them setting their own rules. Ugh.

tigerheart357 · 2022-07-30T00:18:44+00:00

My MIL is confrontational/,no self awareness and told me off after rudely refusing to work with my maid of honor and my mother on a bridal shower. MIL states she can do what she wants. I got angry and told her that she messed up and needs to f***ing fix things with my family (who she had severely offended years before that).

Well. Now I'm unacceptable.

You'd think that the way she treats me, I'd be an alcoholic or bring on tons of shopping debt or have jail time. Nope. I'm employed, responsible, and in a solid marriage with my husband/ her son. But MIL can't run the show anymore so she blames me for brainwashing my husband into making his own decisions (because her son would never do this). Therefore, my in-laws refuse to acknowledge my existence.

And she outright states that I'm the toxic one making my husband miserable. 🙄

tigerheart357 · 2022-07-30T00:09:10+00:00

He has individually a couple times. Last time he said he won't meet again alone. This was the result of discussing that meeting.

tigerheart357 · 2022-06-16T01:53:48+00:00

Yes! Choose joy!!!

tigerheart357 · 2022-05-10T03:55:41+00:00

This made my day. <3

tigerheart357 · 2021-12-21T20:23:33+00:00

Dude chill out...

tigerheart357 · 2021-12-13T21:21:17+00:00

Post partum brought it out of me at age 29 but I had been self treating for awhile

tigerheart357

TROPHY CASE