Probably no rush to remove it from the company 401k account. Maybe wait until end of year when all bonuses and final company contributions hit the 401k. Then rollover 401k to a IRA at Vanguard or Fidelity or another low cost IRA admin firm.
I rolled my 401k out shortly after leaving a firm then there was a final contribution of about $49 in the 401k that I then had to do a second rollover. A bit of a PITA.

Jumping in on the bandwagon to max your 401k if you already arent and supplement the differential with these stocks, using the dividends and sale of the stock as needed to replace your income that you are now diverting to your 401k max.

No, you don’t use a credit card more because you want to boost a credit score. That’s a very stupid decision. Budget your money to the dollar and if you’re responsible with credit cards (it doesn’t sound like you are, no offense) - then use credit cards to pay normal expenses.

Annualized yields are what you are seeing. Why buy at Auction? Are you buying from Treasury Direct? Buying treasuries at the market is the easy way.

True I was thinking that if ML can't afford the house with just her social security check then she should just move in with us and cash out the house to pay for part of the mother in law suit and living expenses.

LMAO. OP wants to cut expenses and save more for retirement. That's one that can easily be cut or at least reduced if they insist on paying someone else to walk their dog. Walk the dog in the morning or after work if you can't go home during lunch. It works for me. But I guess that doesn't work for everyone. I love dogs but I'm not going to sacrifice my future financial independence for one. I'm sure I will get dragged for that comment but oh well.

No, it won't. It's not like credit card debt where lowering utilization improves your score.

As time passes ( years, not months ) the impact of the delinquency gets less and less.

I looked up his bill. The auction cleared at $99.650000.

Your age in bonds is from the before era in long long ago when interest rates were higher. Its 120-age in bonds now.

Yes you do have $20k. You have the $13k they gave you and they have contributed $7k into your withholding account at the IRS. Depending on the dates you may get the $7k back this year or it may be next year when you file taxes. To get it back sooner lower your withholding from your future paychecks. Why? You already have $7k on deposit with the IRS for this year's taxes.

I normally don't comment unrelated stuff, but good Lord in what career path are 600-700k bonuses common??

The ship has probably sailed at this point, but does it say you have to pay back the bonus if they fire you? If not, then potentially you could have just refused to work the excess hours. (They could fire you ... but you wouldn't be leaving.)

And you said that the contract says "$20k minus applicable taxes". That sounds exactly like you need to pay back only what you received. What is their explanation for why they are saying otherwise? Show HR the language of the contract and say "no".

I have a whole life policy that my parents got when I was a baby, so I don’t pay anything on it - it pays its own monthly premiums. Should I still cancel it? It’s not a huge amount of money, I think it’s 30k insurance and cash value around 3.5k right now (and again I am not putting any of my money into it and never have.)

You mean use HELOC as emergency fund??

There is no impact from taking another job - so long as you separated from that employer the year you turn 55 with an active 401(k) you can take withdrawals without penalty.

Can I ask who gave you an answer to the contrary?

The auction hasn’t happened yet. T-Bills have the rate set at auction, so it’s TBD.

They match the rates based on how much funds they need to raise, and what institutional investors offer. Everyone else gets the same rate based on that.

Won’t likely vary much from other auctions, marginal increase or decrease.

I’ll look into the wiki, although if I struggled with the IRS page idk how this can give any better result.

Thank you for the link-

Definitely not trying to buy as much house as humanly possible. The homes where we live are very expensive - the $1.6mn house I gave as a theoretical example gets you ~3-4 bed, 3 bath type home, not brand new.

I guess that's a good point that I may just have to hold more liquid assets than someone would normally at my age in order to defend against the potential volatility.

Thanks for your insight.

No problem!

It's not important per se in these types of highly diversifed funds.

When the funds overlap, you're not changing diversification -- you're changing asset allocations.

I use Vanguard Total Stock Market Index Fund (VTSAX) along with Vanguard Small-Cap Index Fund (VSMAX) to get more mid-cap and small-cap exposure. My investment plan calls for taking more risk (and hopefully returns) by increasing my exposure to mid-cap and small-cap stocks.

However, all of the stocks in VSMAX (1,486 stocks) are in VTSAX (3,969 stocks).

Starting a payment plan for my car debt soon!! Would mt credit go up from this even with the delinquent marks?

Live on her income and use yours to pay down the debt.

Do not do this. There may come a time when they can't/don't want to pay for something, and you'll be left paying for it. Or, equally as bad, there may come a time when you and your husband can't/don't want to pay for something.

Do not do this. When you talk to your husband about it, you need to talk through worst-case scenarios. Are you prepared to assume the costs of 3 houses? You can't assume that everything will go smoothly the whole time.

> What am I missing?

Those other people spend less than you do.

> 5,000 per month will take like 8 years to pay off which seems just so daunting.

Yeah. That’s what happens when you get a large mortgage in student loans.

Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics

It’s just math. Spend less or make more.

Also you should have an after tax income of around $18k/month (ignoring state and local taxes), so you’ll need to figure out where that other $8k/month is going.

Ventricular tachycardia is a lethal rhythm that can require defibrillation. I would not recommend.