omg i dont know how reddit works im sorry

Let it go.

https://www.reddit.com/r/personalfinance/comments/1004djv/comment/j2ft1f0/?utm_source=share&utm_medium=web2x&context=3

>Do you just not like to travel?

No. I travel extensively. But I keep my travel budget entirely separate from my emergency fund. I only use my emergency fund for emergencies. That's why I have an emergency fund.

>plan to buy a house in 2030 based on my projections. We’d be paying cash. Why would we need to dial back retirement savings?

If you think you'll be able to save enough cash to purchase a home with cash in 7 years and continue to save 25+% of your income for retirement, then you don't need to dial back. However, most people intend to spend a lot more than you apparently are intending to spend on their home.

A tip I've heard is to will $1 to people you don't want getting anything or someone who might try to dispute the will. Because their name is in it, they can't make the claim that they were just forgotten.

They are literally the same fund. Different share classes of the same, underlying Vanguard fund. If you have at least the minimum $3K buy-in for the mutual fund, it is six in one, half dozen in another.

That said, I would suggest the mutual fund as the better choice because: a.) mutual funds are designed for fractional shares, so you never have a few dollars of uninvested money sloshing around like you would if all your investments were full shares of an ETF, and b.) mutual funds only post an updated NAV once a day after the markets are closed. If you are the sort of investor that monitors your investments too closely, seeing the ETF dropping in real time can be disconcerting. You probably should choose the mutual fund.

And the money from the previous year will roll over into the next?

Also I'm assuming if I start investing in an IRA I would have to include that in my taxes right?

It's an error. It's why I do not like to give out card and agree to any billing (because for sure they had you sign document saying they can bill your card for anything outstanding).

What you should have done back then was 1) notify of error 2) give reasonable 7-10 days for resolution 3) If not resolved dispute with bank.

It's still $25.

If you have an intention on how your donation is used make sure funds that are donated are considered "Restricted" funds. e.g if you want to feed animals with the Humane society, pay for staff bonuses, etc..

But if you let leadership decide how to use the funds they are considered "unrestricted". "unrestricted" funds will usually be used by the Non-profut board and executives to spend as they see fit.

$25 really?

let me clarify a little "told" is more like "chick at liberty tax logged all the expenses I mentioned and got me $465 back"'

edit: made it a point to log every single applicable 'work related' expense ever since.

Interesting. Do you just not like to travel? That’s where most of it goes for us. We go on ~4 vacations per year. At least one abroad.

I plan to buy a house in 2030 based on my projections. We’d be paying cash. Why would we need to dial back retirement savings? Sorry, not sure what I’m missing.

I think I misread some stuff. I think I mean like, whatever is taxable. I read in the link up above that if I don't have access to a 401k to use a taxable account. Aren't IRA's considered taxable? Sorry if I'm making this more confusing..

We’re talking $25, right? How much do you value your own time?

I was being sarcastic. Obviously nobody knows where the bottom is so your strategy is illogical.

Small claims, your jurisdiction, Monday morning.

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>Still, if I walked away from things I didn't have experience with, I would always be walking and never learn a thing.

yes, but the problem is there's easier ways to gain experience - the issue isn't doing something you've never done before, the problem is doing something in the hardest way to learn. It'd be like skipping an electrician's school and going straight to work as a non-apprentice.

Great, thank you! Is avalanche the opposite?

The issue then is, how do you know where the bottom will stop and reverse?

Seems mostly like a new problem. I'd wait a few weeks and then check back. I know you're supposed to do this by the end of Jan, but I wouldn't worry if it takes longer. Just do the best you can.

What "types" are you talking about?