Great idea! We do shop at the cheaper grocery store and I take all the hand me down toys & clothes/shoes/outerwear items for my kids

It will be one match and one limit for both 401k plans combined. So look through https://reddit.com/r/personalfinance/w/rothortraditional?utm_source=share&utm_medium=android_app to see whether Roth or traditional is better for you.

That was due when he got the promotion. Always stay current.

Job #2 looks like it is better, but without knowing how much you'll bill, it's tough to know for sure. But given the high income and relatively similar pay scales, I'd focus on the non-financial aspects in making this decision.

Combined gross is 210k for 2022. All our pretax deductions keep us under the limit. 401k, 403b, dependent care FSA, medical FSA, dental, vision & health.

I'm in the exact same boat, and I plan to take the tax credit in 2022. The rules specifically say they have to be installed. They do not specify that they must be "placed in service."

FYI - I am a tax professional, and I don't feel like this is a high-risk position.

If something happens like a messy breakup or even if one of you dies it can be very messy. Imagine you share a mortgage with your fiancés next of kin and they don’t want to sell… so talk to a lawyer.

On the low end that’s not true. Obama started that and it’s due to be upped. It’s one of those actual thanks Obama times.

Don't start gambling until you've got money you can afford to gamble.

I'm 40 years older than you. I remember when the newspaper boy would bring a big-city newspaper and it would have every stock's price listed in a big multi-page table.

The first investing I did I didn't actually do... my mother, the notary, forged my signature on a form to open me a brokerage account. Then she bought me something and gave it to me for my college graduation.

Next, it was the 401k at my first big-boy job. I put 25% into the company stock fund.

My next big investment was the wedding. Not the reception, but finding the right woman to marry.

Then a house.

Then, after our first kid was born, I was finally making enough and life was stable enough that we started investing outside the 401k...but before we started investing outside the 401k, we were maximizing our contribution into the 401k.

All this was through mutual funds. Not stock, not bonds, not pork belly futures, and not currency trading. Mutual funds that combined money of different investors to buy a few shares of this and a few shares of that and a few shares of something else.

And eventually, we did open a gambling account and bought some stock. We've bought some stinkers and some winners. We bought 10 shares of McDonalds on a whim at 23 bucks. It's now trading at 270, if I recall correctly. But we also bought some BP 3 months before the Darkwater Horizon disaster. And we've bought stock in a company that went bankrupt.

The key is diversity. Eventually every company falls on hard times, one way or another. When I was your age, the most popular entertainer was Bill Cosby. He's had a rough few years now. Imagine where I'd be had I invested in a television production company he could have owned.

Does it cost to look?

Let your lifestyle creep up… to 80k or so. It’s ok to live.

Still leaves 100k to bank.

I do three main things but they all contain a lot of pieces to the overall financial puzzle.

1. Review and adjust investment objectives and goals as needed. This includes both short and long term goals as well as updating a net worth calculation.

2. Rebalance investment accounts if needed. This isn't technically the best way to do it but once a year rebalance works for me and allows me to tune out the up and down noise during the year.

3. Review and adjust my monthly budget as needed. I have found this helps with keeping life style creep in check.

You should follow the steps in the prime directive in the wiki.

I'm so tired of children being the woman's responsibility. This is why my two adult (one married, one engaged) children are NOT having children.

Yes I realize that. I also have over 20 years of experience and I have a masters degree.

Thanks, maybe fidelity is just the way to go

No, you can't contribute more than you make. The cap is $6500 or your annual income, whichever is less.

Thanks for the feedback! 2 questions:

1. I didn't know that it was possible to migrate funds from vanguard to fidelity--can yoh manage this without cashing out/incurring taxes (its a taxable account)

2. Ive never used treasury direct, what is the advantage? I bonds?

No, if you only made 3000, you can only put 3000. Whichever is less: your income or 6500

Yearly limit is the LESSER of your earned income or 6500 (ie, whichever number is smaller)

In your example, the max is 3000

Technically, billing your insurance is extending you a credit. You had a procedure done and the insurance will not pay for it for a few weeks or longer.

It was tragic. Now I have no choice but to plan another trip so I can utilize it 😉

My kids have been in full time daycare since they were 12 weeks old. I’m quite familiar with keeping them home when sick.

My husband thinks I can find another full time fully remote job that pays me more money.

Omg nooo

If someone refuses to give me their social security number, I will not extend the courtesy of billing their insurance for them. Instead, they can pay up front and submit the claim on their own. Nearly 5000 patients, no one has refused to give it.