>Schwab wants a employer address, but i’m not sure what to put down.

You can put your base address. It's just for FINRA compliance. They are not going to mail anything to it.

First, I'd like to know why you don't need emergency money? I mean, technically you don't need it until you need it. But why take the risk of not having it?

Anyway, just keep paying more on principal. You have a healthy amount in saving should something financially catastrophic happen to you.

Based off the info you have provided, I'd say you're in an ideal situation already.

Edit: stop contributing to your current savings and put that extra money toward principal.

Once you get $60k i would pay it off

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Paying off your house is not an emergency, so you shouldn’t use any emergency fund dollars to do this.

Any non emergency fund dollars you have could be used to pay this off, but at such a low interest rate under 4%, I would argue that there are much better places to be putting that money rather than paying your house off.

Why don’t you need emergency money?

I wouldn't dump all the savings into the mortgage since it's not enough to pay it off anyway. I'd just increase the extra principal payment.

I think it's unwise to assume you don't need "emergency money" because you never know what will happen. That being said, you probably don't need more than 10k on hand if you're in a stable situation

I wouldn't.

Equity isn't liquid.

TurboTax will figure that out for you.

I find it hard to believe that the choice is so binary. I’m sure there are/will be opportunities that offer career and compensation growth. You don’t have to decide to stick around forever right now. You can stick around until you find something better. Just be sure to take a look around a few times a year.

Overall, one of the best ways to accelerate your career along all dimensions is to switch jobs. You fall behind when you’ve only known one way of doing things.

Thank you, this was the response I was looking for and clears that up :)

I’d say i have more than a fair grasp of PF. I probably should have done some math when my first pay check came in, but I’m mainly confused as to why so little was withheld and continues to be without a special situation warranting a request for additional withholding

Relax. Ask for a check not direct deposit. Cash it. Clean things up. New bank. New account. You have time on your side.

Doing the taxes isn’t the problem, I’ve never been in a situation where the default withholding left me with such a high payment and I’m trying to see if others have seen something similar

Yes, off payroll pay can't use the algorithm, so they withhold the most common tax bracket, 22%. That's not enough for you, since you are high income. So the dollars over 100k total were seeing under withholding from 2% to 10%

At your income, running the withholding calculator at least twice a year is needed to keep on top of withholding.

Just under half is a bonus. Do they withhold less than normal for those?

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don't know enough particulars of your situation .. just another situation where there is an overall lack of personal financial understanding / education across all age groups ... the basic tax tables are available to check withholding information on payment statements, expand across an entire year to use as a baseline .. it doesn't account for interest, dividends, cap gains etc .. but will help prevent the once a year huge surprise .. good luck

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Yes, your w4 is not set up correctly for your situation. You need to fix it. How much of your pay is supplemental, bonus, rsu pay?

Quality of life is important, especially if you can pay the bills.

Is your col going up or down in NC?

Will you be able to comfortably live on your own in NC? If things don't work out and you move out on your own will you be able to afford it? I'm not hoping that will happen but something like that is always a possibility.... At least strictly from a financial standpoint you have to be able to handle that..

Also consider, will you have the same quality of life overall if you move to North Carolina and things don't work out? Will you enjoy living there verses where you are now?

Once you are Out there you can Always jump ship to a new job if $$ is an issue. But then your work/quality of life ratio could change .

But with a potential recession looming I'd stay with your current employer, you can always bail a year from now.

Think about your short and long term goals. If you value your time then your current situation is great! If you want to move up the ranks, increase your income, etc then you should look seriously at some of those local or remote options with more growth opportunities.

Just based on everything you posted you should be paying somebody else to do your taxes

Put last years return and this years numbers side by side best you can in an excel sheet and I’m guessing the answer will be apparent pretty quickly