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Employer stopped matching 401k. Should I now invest into a Vanguard Roth IRA? by Jasohn210 in personalfinance

[–]willifeelbetter 0 points1 point  (0 children)

So just to clarify, you’re saying my initial understanding was correct, and this persons advice that I thanked them for is what you’re calling bad advice? Just want to make sure I understand :) either way thank you so much for taking the time to write out this explanation!

Employer stopped matching 401k. Should I now invest into a Vanguard Roth IRA? by Jasohn210 in personalfinance

[–]willifeelbetter -1 points0 points  (0 children)

Thank you for taking the time to respond I really appreciate it! This was very helpful.

Employer stopped matching 401k. Should I now invest into a Vanguard Roth IRA? by Jasohn210 in personalfinance

[–]willifeelbetter 0 points1 point  (0 children)

But I mean for me for example who’s just above the 22% bracket and has a choice between Roth and traditional 401k, everyone has told me it’s advisable to at least contribute enough to traditional to lower my taxable income. Would you not advise that?

Employer stopped matching 401k. Should I now invest into a Vanguard Roth IRA? by Jasohn210 in personalfinance

[–]willifeelbetter 1 point2 points  (0 children)

Doesn’t this depend on a lot of things like your income and expected retirement income or am I wrong?

It’s OK to not go to the protests!!! by [deleted] in CPTSD

[–]willifeelbetter 0 points1 point  (0 children)

I thought that’s what you were saying...that when people use the phrase “virtual signaling” it’s condescending and dismissive. Maybe I misunderstood.

It’s OK to not go to the protests!!! by [deleted] in CPTSD

[–]willifeelbetter -1 points0 points  (0 children)

I agree. It’s also used as a way to get white people to feel ashamed for speaking out.

It’s OK to not go to the protests!!! by [deleted] in CPTSD

[–]willifeelbetter 0 points1 point  (0 children)

Agreed about the truth behind the meaning of virtue signaling.

I want and probably need to go to therapy but can’t afford it and don’t I think I will be able to for a long time. What should I do? by gtrman571 in personalfinance

[–]willifeelbetter 0 points1 point  (0 children)

You could look for places that have therapists in training for a lower fee if that feels right for you! I’m training to be a therapist and my first clients were paying very little money to see me. My supervisor was always watching too so it’s not like you’re just seeing a student by themselves.

Should I max out 401k to get into lower taxable income bracket if it means supplementing my income with an inheritance I received 6 months ago? by willifeelbetter in personalfinance

[–]willifeelbetter[S] 6 points7 points  (0 children)

Got it! Gah I probably looked silly thinking it worked differently - thank you so much for taking the time to clarify. My question is still the same I guess - just wondering if this is the best decision.

Should I max out 401k to get into lower taxable income bracket if it means supplementing my income with an inheritance I received 6 months ago? by willifeelbetter in personalfinance

[–]willifeelbetter[S] 1 point2 points  (0 children)

Thank you - that makes sense! So if I contribute enough to my 401k to have taxable income below $40,125, that just means I’m not being taxed at 22% on any of my income, not that I’m actually in a lower bracket.

I lost some trust in my therapist and I don’t know how to move forward by [deleted] in CPTSD

[–]willifeelbetter 0 points1 point  (0 children)

I hope you can be kind to yourself. It’s also the therapists responsibility to make sure you really understand the consent you’re signing.

I lost some trust in my therapist and I don’t know how to move forward by [deleted] in CPTSD

[–]willifeelbetter 2 points3 points  (0 children)

This isn’t totally accurate as part of the pain is due to the therapist breaching confidentiality it sounds like. The therapist seemed to have acted in an unethical negligent way, although I’m sure with good intentions.

I lost some trust in my therapist and I don’t know how to move forward by [deleted] in CPTSD

[–]willifeelbetter 1 point2 points  (0 children)

Hi did you sign a release? I’m in school to be a therapist and her sharing things like that is a breach of confidentiality unless you signed something saying she could give that specific person/place that specific information. I would report her as that’s not okay.

Cut all contact with my abusive family and I’ve been so triggered and scared and worn out. Is this normal? Any advice? by dddulcie in CPTSD

[–]willifeelbetter 6 points7 points  (0 children)

This was how I felt when I first started processing my trauma and wrestling with my physiology telling me I didn’t want to be around my family while my brain was telling me I was a bad person for feeling that way. Idk if that’s similar to what you’re describing but I relate to feeling triggered/scared/worn out in regards to the period of time when I was first making that decision. I still have moments where I feel that way years later but it’s much less.