We do spend a lot on cars and pets. We drive our cars until they die usually. Our cars were both 20 years old and died on us, so we had to purchase a new set of used cars for both of us. Not ideal to have two car payments at the same time.

I’ll talk to my spouse about working on our food budget. That’s a good point.

We do live in an area with a lot of bugs. We tried giving up pest control and it didn’t work out well. We still get bugs inside with it.

I’ll look into mint mobile. I have been wanting to change phone plans due to the high rate.

Do you have equity in the home at this point? If so, I would look at a HELOC or home equity loan, not a refi. A HELOC or equity loan would just be for the amount of equity you have built up in the home over the last 3 years and hopefully would cover a roof replacement. A refi would probably cost you way too much at this point and raise your interest rate on your entire mortgage to todays rates. If I had to do this, I would much rather only be paying a higher interest rate on a HELOC or home equity loan and pay it off as quickly as you can to have it gone quickly. I am considering this for some home improvements we were planning on making in 2024. I will be taking out a home equity loan of $50k for 15 years, but will make triple the payments to get it paid off early with less interest.

Then just fudge the date and pick one 10 yrs out. It's your risk tolerance

Ask the IRS for help.

W-2 - Additional, Incorrect, Lost, Non-Receipt, Omitted

Form W-2 and Form 1099-R (What to Do if Incorrect or Not Received)

If he has an IRS account, he can get his tax transcript, which might contain the missing W-2 that the IRS has received. Otherwise, he can reconstruct a substitute W-2 (called Form 4852) from pay stubs.

>What brokerage are you using? I can see your cusip # in Schwab and pricing ranges from 99.57500 to 99.57800.

The yields are absolutely annualized. Not sure why you would think otherwise. I've never heard of a bond yield of any duration listed at anything other than a 12 month rate.

To find out what you would get for a 30 day, type in the yield of 4.382 and divide by 12. You get a 0.365 return. So for a $1000 purchase, you get about $1003.65 after it matures in 1 month.

You may find these links helpful:

• Budgeting
• Tools and spreadsheets
• /r/mintuit and /r/ynab

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File form 4852. https://www.irs.gov/forms-pubs/about-form-4852#:~:text=Form%204852%20serves%20as%20a,2%20or%20Form%201099%2DR.

We both work on site and can’t come home for lunch to give our dog a walk. Our dog is a poodle due to allergies, so it requires grooming every 6-8 weeks. Can’t get out of that.

Does he have his last pay stub?

Was payroll outsourced to a third-party (ie: ADP, Paychex, etc.) or did the boss handle it in-house?

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First time home buying is a penalty exception for withdrawing for your 401k - but yeah regardless seems like this is a bad idea, so I will continue to rent until I save up enough!

Yes I do agree that we spend a lot on cars and our pet. I wish there was public transit in our city. We bought both of our cars used and commute to work. We are the type of people who buy a car and drive it until it dies. We are looking forward to paying them off and having that flexibility in our budget.

Seems like it would be unwise to just wait until it really fails and then make a claim? I haven’t noticed any leaks but the attic is super cramped and filled with ducts/insulation so it would be hard to catch a leak early.

Investing is an exercise in understanding one's own risk tolerance. If you feel like target date funds are too risky for your situation. You should not feel pressured to use it.

Safe can be defined from a few different perspectives.

• safe can mean low losses

• safe can mean low chance to get into investing the wrong things due to lack of will, skill, time.

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> They sound comparable with target funds being a safer option

“Easier”

Nobody said anything about safer.

> I’m confused because the Vanguard Target Funds have way less than your age in bonds.

Age in bonds is also the “easier” explanation, it’s something that someone without any knowledge of modern portfolio theory can probably manage to do. That doesn’t mean it is actually what modern portfolio theory says to do… just close enough that you’ll manage ok. It was the general recommendation before target date funds allowed everyone to easily access actual modern portfolio theory allocations.

You can still do whatever you want, of course, but if you don’t want to follow MPT precisely then target date funds are not for you.

Never take money from your 401k. You didn’t even mention that you’ll have to pay a penalty/taxes to withdraw from your 401k so you’ll be taking out far more than you’ll be using.

Also, stop thinking of rent as throwing away money. It’s money that buys you housing. You can be much more flexible renting too. Move to a different neighborhood. Move to a smaller place to save money. Buying a house can be a hindrance in many circumstances and can come with many additional expenses. Just go to a home improvement store on the weekend and watch all the happy homeowners throwing away money on plants, mulch, ceiling fans, French doors, new knobs for the cabinets.

>When does saving become unhealthy?

When the shit around you starts falling apart, aka:

• House/Cars because you skipped regular preventative maintenance.

• Relationships because you said, "no", to going out too much and now they don't ask anymore.

• Body when you saved by not paying for the gym and healthy foods. Also, by skipping the necessary medical check ups.

Most people know how to save but never learn how to spend. I suggest listening to Ramit Sethi's podcast and reading his book. It's very goal orientated on spending to live a rich life.

You may find our Taxes wiki helpful.

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So it's not 100% they don't like sister in law just that since we will be paying half the life insurance and on top of that my mother in-laws future social security/savings won't be able to afford her daily needs. So we're taking that responsibility. Sister in-law is unemployed and doesn't want to be employed so can't help. My only concern is that her husband also unemployed will convince her to go after it. I don't mind her kids getting the money to live a better life. Though I know the husband just will take it because everything is about him first.

Also even if we don't do the life insurance part we would have paid for his mother's living expenses regardless. Though I would prefer to just make a mother in law suit in our backyard for her. So I think she just wants independence and is why she wants us to do the life insurance and give the extras 200 a month to cover her living cost.

Hi, landlord here. Quick explanation: Prorated rent is used when you move into an apartment in the middle of the month. You already paid first month rent, but since the month was half over, the amount you paid will also cover some of next month. The prorated rent is the amount you still owe for the remainder of next month. That is not in addition to 650, it is in place of it.

So your rent that is due in March will be the prorated amount. In April you will resume normal rent payments.

Hope that helps!

Tons of high skill trade jobs. Electrician, carpenter, plumber, line worker . . . I know folks employed as line workers via power companies pulling in 6 figures.

Age in bonds is a relatively conservative approach and one that many people consider to be outdated. Most target date funds from Vanguard, Schwab, and Fidelity have about 10-15% bonds until you reach about 20-25 years away from the target date, then they start down a glide path arriving at around 60-70% bonds by the time you reach the target date or a little after.

It wasn’t damaged by any specific event. It just is really old, possibly the same roof from late 50’s