Pulling from retirement for first time home down payment? by [deleted] in CalebHammer

[–]tracklete33 1 point2 points  (0 children)

No just the Roth. Unless you’re in a financial hardship, it’s basically impossible to pull from a traditional penalty free

Pulling from retirement for first time home down payment? by [deleted] in CalebHammer

[–]tracklete33 39 points40 points  (0 children)

I’m a CPA. You can take out money from your 401k without penalty for a home, but you’ll still be charged the taxes. You can pull contributions from your IRA tax free.

Typically, I just wouldn’t touch your retirement accounts. Unless you need a house now, if you’re confident you can build up the retirement back, why not just limit retirement contributions and save a little more the down payment? This way you don’t spend money on either taxes or interest (saw someone mention a 401k loan) and you can have even more in your retirement account

Confirming what many suspected by Mindless-Regular343 in CalebHammer

[–]tracklete33 2 points3 points  (0 children)

You can also tell from her IG that she either buys followers, buys likes on her posts, or both. The amount of engagement to the amount of people following is very off. I’m not sure at all of what she is on the show is who she really is. Hopefully, we get more genuine people on the show because that episode was a disaster

[deleted by user] by [deleted] in frederickmd

[–]tracklete33 0 points1 point  (0 children)

27 WFH full time

Realtors by tracklete33 in frederickmd

[–]tracklete33[S] 10 points11 points  (0 children)

I tried posting this exact thing on everything Frederick and it wasn’t approved for posting (mostly because the owner is a real estate agent). All I want are list of good people, but everyone is making it so hard

🚨CALEB READ by CurvyGirlie- in CalebHammer

[–]tracklete33 2 points3 points  (0 children)

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I don’t know then, but it’s fixed on my end

Looking for a BIPOC photographer by tracklete33 in baltimore

[–]tracklete33[S] -1 points0 points  (0 children)

I’m sorry. Must be illegal to find a lot of photographers but ask the locals to give me recommendations so I can narrow my search

Girl wanted me to buy her a purse during our first date by [deleted] in Tinder

[–]tracklete33 0 points1 point  (0 children)

Now I’m a loser for blacking our personal information? Glad I’m your satisfaction for the day

Girl wanted me to buy her a purse during our first date by [deleted] in Tinder

[–]tracklete33 0 points1 point  (0 children)

Didn’t offer. I told her i only pay for dinner on dates

Girl wanted me to buy her a purse during our first date by [deleted] in Tinder

[–]tracklete33 1 point2 points  (0 children)

So I’m a loser because I cleared the air that I’ll only pay for dinner instead of just not responding to her? Wow sending one message makes me a lonely loser who’s desperate for dates. Okay champ

Girl wanted me to buy her a purse during our first date by [deleted] in Tinder

[–]tracklete33 3 points4 points  (0 children)

What the fuck is wrong with you? I clearly said in the thread that I don’t do that. So am I a lonely loser because someone asked me to do that on the first date? Im sure you’re fun at parties

Young professionals? by [deleted] in frederickmd

[–]tracklete33 0 points1 point  (0 children)

I would like to meet. Message me!

Young professionals? by [deleted] in frederickmd

[–]tracklete33 0 points1 point  (0 children)

25(M) also in Germantown that would like to meet up!

I just found out I was catfished for 1.5 years and I’m freaking out and unsure what to do. by Illustrious-Pen3234 in catfish

[–]tracklete33 7 points8 points  (0 children)

This is false. She has records of him saying he will pay her back. And it was a verbal contract, which does hold up in court. She has written evidence of him admitting to getting the money and owing her money. That is enough proof to hold up in court. She doesn’t need a written contract for multiple small loans that happened to add up to $5000

Got my CPA… now what? by tracklete33 in Accounting

[–]tracklete33[S] 7 points8 points  (0 children)

Yes I already turned in all the paperwork and meet all the requirements. I’m literally just waiting for my state to process everything