>I was these FZROX + FZILX funds conservative due to their exposure to OVERALL domestic & International instead of just Large carp(FXAIX or SP500) or some blue chip-specific funds.

But small caps are riskier than large caps (and have better expected long term returns than large caps do). So while you have more holdings, the extra holdings are more aggressive than the more narrow option.

>My employer funds are invested in 20-30 funds

Wow. That's a lot.

>Would you recommend All-In on FZROX instead?

No. I'd go the opposite: basically double FZILX (so 60% FZROX + 40% FZILX), as that is roughly the current global market cap weight.

The setting you put on your w4 was saying "hey there, my spouse doesn't work, I'm filing married and claiming 2 kid, so don't deduct any federal income tax unless I make over 884.00 a week in taxable income".

Do you have any pre tax deductions that are bringing your taxable income around 884 a week?

You can also call the IRS and ask them to change which year the payment was applied to.

Unfortunately, the IRS has insane wait times if you call.

I mentioned on the phone that the debt itself is 15+ years old and I'd figure that it would be past the statute of limitations. He claims that university debt is not subject to the limitations. I just looked up the limitations in the state where I graduated, it is 5 years. I limitations where I live currently is 3 years. So both are well past the 15+ years.

Lol hilarious. The double down I can't admit I've been arguing with the wrong person defense.

You're a hoot at parties I imagine.

I was these FZROX + FZILX funds conservative due to their exposure to OVERALL domestic & International instead of just Large carp(FXAIX or SP500) or some blue chip-specific funds. My employer funds are invested in 20-30 funds

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My reasoning to choose is, obviously the total US market(FZROX) and some diversification of my portfolio to the international market through FZILX. Would you recommend All-In on FZROX instead?

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You can roll the money to an IRA at a custodian of your choice.

Sounds like you need very concrete instructions. Assuming you are interested in doing the most financially efficient route, this would mean maintaining the tax advantaged status of the 401k money.

• Go to Vanguard.com, Fidelity.com, Schwab.com
• Pick one of the above.
• Click through to open a Rollover IRA (or Traditional IRA). Write down your account number.
• Click through to transfer an external account. You will enter in your 401k information. An address will be supplied to you. KEEP THIS ADDRESS.
• Go to your 401k.
• Choose: A direct roll over
• Provide the IRA account information that you just opened. Provide the IRA account number.
• Provide the address for the 401k to mail the check. Sometimes the 401k mails the check to you and then you have to mail it to your IRA.

Call your IRA's 1800 phone number if you run into trouble or confusion or if you don't know what to do next. All of them have people who will sit on the phone with you and walk you through everything, step by step, click by click.

Not in Michigan, he already has the title. He needs to go to the Secretary of State and get a clear title. Michigan does NOT have a DMV.

> What exactly did I give that was factually incorrect?

> I was wrong that the plans end at the end of 10 years

I apologize if correcting you has upset you. In the future, I will be more mindful of correcting your false information so as not to hurt your feelings.

My condolences on your profound loss.

Thanks for the reply. I do not remember if I ever received a Paid in Full letter from the University. I did receive one for my student loans, but this debt is apparently separate from my loans according to the angry guy on the phone. I have asked for proof and have said as long as I do not have an itemized statement of what I owe I will not be paying anything. The guy says "nobody gives itemized statements." Ha, I explained that my electricity company tells me exactly how much energy I used and that my student loans came with a monthly statement with a breakdown of all of the fees. Dude just won't take no for an answer.

Stop using the card. You’re digging yourself into a hole. This is your wake up call. You suddenly don’t have enough money to pay off the card every month. Your strategy isn’t working.

Go back to paying with cash until you get your spending under control.

In the meantime, pay something on the card before the due date. Pay it off as soon as you have the cash.

I did it got lost in the process of moving I asked my mother if she had it I looked everywhere and can’t find it

Good to know. I think I just might check one near me out. Thanks for the comment!

>given these are conservative funds,

Is this referring to the employer account fine being conservative or FZROX + FZILX?

>FZROX: 80%

>FZILX: 20%

That's half the global market cap weight of FZILX. What's your reasoning on that?

>once I get the paperwork

Bro you got the paperwork already, they gave you a copy when you got the car. Did you get rid of it?

I think credit unions are better for everyone. I will never go back to a big bank. There is no point.

What exactly did I give that was factually incorrect?

The IRS will work with you to work out a payment plan? (check)

You have 10 years? (check)

If you don't work out a plan, they can seize/sell assets? (check)

I was wrong that the plans end at the end of 10 years. You however, were also wrong to imply that was the end of the discussion. Carefully leaving out the additional powers the IRS can employ to 'get the money' before the 10 years are up.

I think you're arguing with me, while taking issue with another poster. Try harder.

This, it's also unclear who OP owes the money to, it sounds like the school directly. Not sure what the expectation was about the military covering thing proactively.

Nor do we really understand why this is a priority all a sudden. If the time constraint is that the old school needs paid before they will release a transcript so they can start at the new school this will need to be figured out first. This isn't an uncommon problem.

OP Needs to explain the situation in detail because we don't know the situation or the poster enough to infer the details.

I’ll continue trying to contact the IRS then, which is almost a feat in itself. I kind of have given up on ever getting this $400 back, but will keep trying.

Thanks, I’ll have to check in my online account.

The bill of sale should have everything broken down. It is possible they messed up, pull the paperwork and check.

Yes. Even if you keep your job a lot will probably change and you will want to have options. It is extremely normal for a lot of people to leave after an acquisition and you do not want to be left holding the bag unprepared.