Just Google HYSA rates. I would also check nerdwallet, I trust them with their assessments.

That's almost always the case, yes. And it's the main factor you should consider when choosing a plan.

You have a job that requires you to travel up to 300-mile round-trips where they expect you to use your own vehicle and only pay $55k for someone with presumably a college education?

If they're not providing a company car + gas, or reimbursing mileage, you need to find another job ASAP. The IRS government reimbursement rate for business use of a personal vehicle is $.655/mile. If I conservatively assume you are doing 100-mile round trips daily, that's something like 2,000 miles a work-month or $1,310 after-tax that you're being shorted if you're not being reimbursed. If that's the case, no wonder you're falling behind.

Thanks for the suggestion. Could you point me to an example?

If that's what your State says, then sure.

You haven't revealed enough data for an internet stranger to confirm/deny your conclusion.

Why have them locked in a CD for any length of time when you can use an HYSA that has both full liquidity and a higher rate?

Brokered CD’s at 6m right now around nearly 5%. Including an FDIC insured Chase CD at 4.9.

Here's a link to the PF Wiki for helpful guides and information.

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>to what to do with my PF planning

Well, what do you want to do with your life right now? Keep working? Retire and live off the windfall? Relocate? Travel the world? Change nothing? Buy some toys?

The plan you setup for the money will be in service of goals - short term or long term. But clear goals need to come first.

​

>All my eggs has been there in one basket for over 8 months. Price has come down for more than 10%. I still freeze and don’t know what to do.

There's not much advice to give without the specifics (and not encouraging you to share anything that might identify you - again, see the windfall wiki). No one here can predict the price movements of the stock you're invested in, or whether it's a good idea to hold and wait for it recover before plotting your next move (though generally speaking, if the allocation isn't right for your goals or is too high risk, the best time to get out of it was 8 months ago, and second best time is now). We also don't know the jurisdiction you live in, and the tax consequences of selling/rebalancing all at once versus slowly transitioning out of it.

You probably need professional advice beyond the scope of what can be provided here.

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You may find these links helpful:

• 401(k) Fund Selection Guide
• 401(k) FAQs
• "How to handle $"

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Ally's offering 5% on an 18-month CD.

Not really any rhyme or reason on the rates - they're based on each bank's expectations and predictions about what rates will be in the future, and the banks don't all think the same way.

They need more money for the length of the terms that they are offering higher rates for. A bank determines what their money needs are in advance and for how long they need that money.

As far as I know it's still with the same provider (Voya). So if it was moved to an IRA, which is evidently taxable, do I have access to those funds to pay the tax burden? I definitely cannot remotely afford it otherwise, so fingers crossed.

100% aware that this is on me, I had a lot going on at the time (it was my family's business that closed) so between having to put together a resume and job search for the first time while severely stressed out, it got put aside and forgotten about.

My will is filed with the county so that if no one can find my copy, they can still go to the court and have them pull it up (for a small fee I'm sure). I have some copies in small fireproof box. There are more copies in a three ring binder in the office closet. It's kind of a hide in plain sight situation. Is a thief really going to go for a Lisa Frank binder (it's not actually a Lisa Frank binder. I respect my eyeballs too much for that kind of crap) on a shelf with a package of padded envelopes, boxes of markers and pens, and a stack of manuals for various devices? Especially when there are portable electronics all over the home and a giant jewelry box (it's 3 feet tall) full of not at all expensive, but high sentimental value, sparkly things? Also designated POA/secondary POA have copies of their POAs (financial and health).

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It seems like they tried to sell an extended warranty, but that was it. And they aren’t high pressure. You can look online to know exactly what their inventory is. And since they don’t negotiate prices, it’s pretty low key. I walked in, said, “you have x car on the lot; I’m going to test drive it, and buy it if I like it.” They were a bit taken aback by my bluntness, but perfectly happy to just go with it for obvious reasons.

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Ask the fatfire subreddit, they will have more informed answers

VGHCX 2022 returns -1.05%

2021 = 14.3%

2020 = 12.62%

2019 = 22.93%

FBIOX

2022 -23.38%

2021 = ???

2020 = 38.34% covid vaccins

2019 35.96%

2018 = -10.73%

FSPHX

2022 = -13.35

2021 = ???

2020 = 24.43%

2019 = 31.46%

2018 = 7.44%

PRHSX

2022 = -4.25%

2021 =13.27%

2020 = 30.12%

2019 = 29.11%

2018 = 1.23%

If you're looking to expand wealth over the long term, then investing in all tax advantaged retirement accounts is important.

I have a fireproof lockbox in my closet with all of that. It's about the size of a medium-sized cooler and weighs 40 pounds or so. If a thief walks by my desktop, laptop, kitchenaid, wallet, wife's purse, two giant TVs, then goes upstairs and passes another laptop, three phones, another tv, and dives behind all of the stuff in the linen closet to grab a giant heavy box that is awkwardly shaped to then run out of the house --- I mean, they've earned it, I guess.

They will have successfully stolen my mortgage documents, two marriage licenses, my mom's will, two birth certificates, two passports, $200 in euros, the title to my car, the loan information for my wife's car, and my wife's student loan payoff information.

That's a lot of effort

You should give a copy to whoever is the person responsible in a each document. Don’t have your Will be a surprise to the executor.

I keep all of the originals in a fireproof envelope inside a gun safe in our basement. A scan of every document. Yes in a protected folder on a thumb drive with a trusted relative.

Is it generally a good idea to use all available tax-advantaged vehicles for retirement savings? Yes.

The first question to figure out is:

• Does my state offer a tax incentive?

If so, then the next question is:

• What are the details surrounding that tax incentive?