Recent comments

DeluxeXL t1_jegk5lf wrote

Reply to comment by Share_noob in Roth backdoor - Withdrawing money before retirement by Share_noob

There is no capital gain tax treatment in a retirement account. If a portion of withdrawal is subject to tax, it is going to be ordinary income tax.

  1. Withdrawing contributions: No tax, no penalty.
  2. Withdrawing taxable conversions: No tax. 10% penalty within 5 years.
  3. Withdrawing nontaxable conversions: No tax, no penalty.
  4. Withdrawing earnings: Taxed as income. 10% penalty for unqualified withdrawal.

How much do you expect the Roth IRA to grow before you withdraw?

Also, are you going to become "nonresident alien"?

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not_today_trebeck t1_jegk3py wrote

Reply to ELI5: What actually happens when you call your representatives? by glitterismyantidrug_

An intern will answer the phone then may or may not actually record your name and comment then it's completely up in the air if the representative gets that memo. You will however be almost guaranteed to get a form letter, most likely written by AI at this point, about how much your comments mean to the person and how your views are important to consider. You will then be signed up for every newsletter, email, and town hall call that rep does forever.

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CypripediumGuttatum t1_jegk3er wrote

Reply to TIL about Companion Planting, which helps gardens grow by planting strategically based on root compatibility and soil optimization by diatriose

You learned about something that is mostly made up with little science based evidence. There is some nuggets of truth in there but it’s pretty logic based stuff, tall things shade shorter things, rotate crops etc but always look for why and how a certain plant does better with another and some evidence to that effect before believing too much about this. https://www.gardenmyths.com/companion-planting-truth-myth/

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