You shouldn’t base your entire budget on earning commissions that aren’t guaranteed. But even if you assumed you’d always make at least $2500 in commissions, that apartment is too much for your income. Based on your story, it sounds like you’re making an impulsive decision to rent the “perfect” apartment to fix your life, because you’re unhappy that your boyfriend broke up with you and you still live at home. Renting a fancy apartment isn’t going to start or fix your life.

Make sure Multi Factor Authentication is enabled on all accounts

Whenever it’s issued is what year it counts. It normally takes a day or two. You can log back into TreasuryDirect and check. If it says 12/01/2022, it’s a 2022 purchase. 01/01/2023, it’s a 2023 purchase.

Anything initiated today will almost certainly be a 2023 purchase.

Yes say something, why let them keep the money you work hard for. Plus if they are charging everyone 3.25 % they are making money off all of you. Its just not right...

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• Student Loans
• Student Debt Relief Megathread
• "How to handle $"
• Debt

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I think that would make the most sense. Most employers will tell you they’re flexible with kid stuff, but they really aren’t. You know your current employer is. The devil you know is better than the one you don’t.

Also as someone who travels for work, no money is worth missing time with your kids for a sales job (assuming that you like your kids!).

Same! But I also look at what I spent in each category over the last year and adjust the new budget accordingly.

Wasn't sure if it was treated like an IRA when you have until tax day in April to fund it for previous year.

I just found out you change bank accounts on TD without going through pure hell, it took seconds to do.

Thanks

You need 40 quarters with some taxable income to qualify for Medicare on your own. That’s a good goal to shoot for, it’s pretty easy to work a few hours a week someplace low-stress.

And try not to think of the Roth IRA as joint. All IRAs are individual accounts.

As I told my younger brother, if you don't know much about it, like index funds, ETFs, mutual funds, CDs, stocks, bonds, etc then research it. Don't invest your money in something you don't understand. You can read books or research online to understand but personally I think YouTube is a good place to get the basics down. I really enjoyed learning about Index funds from Our Rich Journey, they also have a video how to open and put money into a Fidelity account to start investing. With a Fidelity account you can buy index funds, ETFs, stocks, bonds, etc. But like I said, please research first so you know which you want to invest in.

My understanding is that he can max out his 401K or traditional IRA contribution and then you can each contribute $6000 for a total of $12K/year to a Roth IRA. BTW, if you were to split up, you would be entitled to half of his 401K earnings since you didn’t work during the marriage.

You're right, I wasn't thinking straight! Appreciate the reminder.

I guess the idea is he’s leaving for college within 2 years, so we don’t want to 30% or more as we start to need/withdraw the funds. But I guess if he’s in college for the next 4-6 years (or more). Maybe I’m being a little too anxious? As some have said, saying aggressive, moderate could be a plus in certain scenarios…

Awesome. Basically there isn't much of a downside/if any to not switch.
Currently I have ~$5200 invested into VTI (down $347 to make it ~$4800. I'll try and monitor it the next couple days to see if I can make that loss a little smaller but otherwise Ill sell my VTI and purchase the VTSAX.

I do have 4 Shares of VOO as well but that doesn't really have much of a plan right now. VTI is my primary fund in my ROTH IRA account.

It is 2023. It's the issue date (1 business day after the business day you buy) that matters.

Can you break those numbers down for me please? I’m just not seeing it

You are definitely not too late. I didn’t really get into it until I was around 30. I invest actively and passively, I’m not getting rich, but if I hadn’t started putting money in the market I wouldn’t have like an extra $100k that just accumulated over time

Even if you had a gain it doesn't create taxable events in a Roth IRA.

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• "How to handle $"

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It’s not robbery, it’s technically fraud. Technically you have the grounds to dispute the charge as unauthorized.

VTSAX lets you fully automate the buying process, including automatically scheduled contribution and purchase of shares for every year until you stop or change it.

VTI, no. You can still automate the contribution to the cash position in Roth IRA, but you have to buy VTI, even with fractional shares, manually on that day.

> My unrealized gains are sitting at -$347 so I wouldn't create a taxable event and pay. taxes on it.

You wouldn't have any tax event inside a Roth IRA anyway.

Also look into diversifying. VTSAX (VTI) only cover the US. VTIAX (VXUS) covers outside the US.

So can wewe contribute $12k/year since it is joint? My husband already maxes out his contribution

Thanks for these thoughts. My emergency fund is about 5 months worth of expenses, maybe 5.5. We're saving about $500 a month, and $12k is where I'd hit 6 months without being on rice and beans, but still cutting back.

That said, at the time there isn't another separate sinking fund which also worries me as the EF is sort of a both/and deal.