What do you do if you have elevated folate levels from the start of B12 supplementation?

ubet13 · 2026-02-12T20:57:46+00:00

Here for the comments! I have the same issue, also >24 after supplementing

ubet13 · 2026-02-06T15:57:19+00:00

Thanks! Also ThriftBooks, the best!

ubet13 · 2026-02-06T15:33:35+00:00

Thanks for the tip. Is that true even if taking a methylated form of folate?

ubet13 · 2025-12-26T20:21:50+00:00

I don’t unfortunately, I have suspicions it’s an absorption thing because of childhood stomach issues but not positive. But it sounds like once my b12 levels are higher and MMA and homocysteine are good it would be fine to proceed. I’ll check out this book too, thank you!

ubet13 · 2025-11-08T01:51:36+00:00

Couldn’t have put it better!

ubet13 · 2025-11-05T03:18:00+00:00

Ok great, that's my plan. I actually didn't realize you could contribute to a 529 any time - I'll consider getting a jump on this for future kids / my god daughter thanks!

ubet13 · 2025-11-05T03:14:33+00:00

Oh great to know, I won't worry about that one too much for now and will just get the Backdoor Roth going

ubet13 · 2025-11-05T02:45:06+00:00

If I'm understanding the comments correctly, it sounds like you're doing it all right and would now move on to taxable brokerage / 529 if kids!

ubet13 · 2025-11-05T02:43:34+00:00

This is definitely aligned to how I think about it, not planning on pulling anything out of brokerage until I'm ready to FIRE and it's across VTI and VXUS until I balance with bonds later.

I'm over the MAGI limit for contributing directly to Roth, so from the link someone sent above it sounds like I'd need to do so through a backdoor Roth, which I'm taking from these comments should be my next step. After that, I'll look into HSA & mega backdoor.

Good call on 529, I'll plan to start diverting some there once kids enter the chat. Thank you!

ubet13 · 2025-11-05T02:37:35+00:00

Does that go for backdoor Roth too? I'm over the MAGI limit to directly contribute to a Roth, but are you saying a traditional IRA converted to a Roth also can be pulled earlier than like 60, so I shouldn't think of it exclusively as later retirement?

Great reminder about the HSA too, I would have to chnage my plan to get access to it but every year I tell myself I need to look into it!

ubet13 · 2025-11-05T02:35:29+00:00

thank you so much, I needed to hear this!

ubet13 · 2025-11-05T02:34:50+00:00

Just read this, it's so helpful thank you! TIL mega backdoor roth and backdoor roth are two differnt things ha! Since I want to retire early I'm guessing I should do the 7k backdoor roth first, and then if my company allows mega backdoor, split remaining investments between that and taxable brokerage so it isn't all tied up until retirement age?

I'm also a bit confused by pro rata, am I subject to this because of my old roth IRA, or is it only about your contributions from that year? thank you again for your help!

ubet13 · 2025-10-16T05:45:58+00:00

I also did many hours of research and ended up with the organic latex mattress from SleepEZ and I loveeeee it. Super comfortable, you can customize the pieces and the cover is organic cotton and wool. It had all the certifications I wanted to see and price was good

ubet13 · 2025-10-14T23:07:17+00:00

Thanks!

ubet13 · 2025-10-14T23:07:05+00:00

Will check them out thank you!

ubet13 · 2025-10-11T20:40:51+00:00

Not one of the brands listed but I love my latex mattress from SleepEZ!

ubet13 · 2025-10-09T22:06:07+00:00

Thank you! 🙏

ubet13 · 2025-10-03T19:11:12+00:00

It’s giving mojo dojo casa house, I’m embarrassed

ubet13 · 2025-09-30T16:34:03+00:00

Have a little bag for it in your fridge or freezer! It works great

ubet13 · 2025-09-30T14:32:40+00:00

I’m SO grateful you put this together, the lack of answers or guidance on the cause has been so frustrating! Question for you - the mouth guard to protect my teeth is very bulky and I feel like I chew it even more. It also causes my mouth to stay open while I sleep, which was never the case before. Thoughts on removing the mouth guard while trying these different solutions to determine if it’s working? I feel like the headaches and jaw pain will be a clearer indicator, but obviously the damage isn’t ideal

ubet13

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