Personal Finance (Not Investing) • No tax benefits for college tuition and...
Dear Bogleheads:I paid full tuition for my elder son's 1st year college tuition (we did not have 529 plan for tax benefit). I also bought a new car in 2023.I found that if married filling jointly with...
View ArticlePersonal Investments • Allocating between Tax Deferred and Taxable
I am 50 years old and am considering retiring or semi retiring in the next 4 years.I have 12% of my portfolio sitting in short term treasuries in my taxable account because I may need access to this...
View ArticlePersonal Investments • Retirement Related Readiness/Investiments
Hello all,We are a family of 4 with the boys in university. They just completed their sophomore year and have two more years to go before completing undergrad. Below is our asset details:1. 401(k)...
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Investing - Theory, News & General • How much is enough in retirement...
My questions below are based on this weeks Ramit Sethi newsletter, plus one or two active posts here. Is there better advice than just keep ploughing up to $50-$100k a year into retirement funds when...
View ArticlePersonal Consumer Issues • Geothermal heat pump
Our home HVAC system is coming due for an upgrade. Our annual temperatures range from 30s (F) in the winters with occasional dips to -10F, to 80s and rare 90s over the summer months.I have been...
View ArticlePersonal Finance (Not Investing) • Headed to Seminary [how to invest savings]
I am headed to seminary this fall after 18 years in a career field. Big change, I know. I am not arguing what an idiot financial move this is. Would like to simplify as much as possible but also be as...
View ArticlePersonal Consumer Issues • Technology Safety Protocols?
I’m 65 years old and use technology during my professional career, which means that I can operate a laptop and phone. Use 2FA on financial accounts, And understand that I should have a password...
View ArticlePersonal Consumer Issues • How do you like your Tesla?
Tesla owners, how do you like your Tesla? How long have you had it? What model do you have? Were there any unpleasant surprises or disappointments? What could you share with a new potential...
View ArticlePersonal Finance (Not Investing) • Why additional mandatory 20% federal...
Our son has a 403(b) account with a Maryland University administered by TIAA. He left the university a couple of years ago and now is considering an early withdrawal. Stated in the TIAA account is...
View ArticlePersonal Finance (Not Investing) • 2023 Federal Taxes & HR Block Software
Greetings All,Been using HRB Tax software for the last 13 yrs. Never had any major issues with it. I like it and know my way around it pretty well. This year tho is different. Its doing some things I...
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Personal Finance (Not Investing) • Social Security - Younger Wife - early...
I am 72, Wife is 10 years 3 mos. younger.I claimed at age 70 for the usual reasons and to ensure she would receive max survivor benefit at her FRA. So that is a done deal.My current plan is to have...
View ArticlePersonal Finance (Not Investing) • Short term disability overpayment
Hi,I took a short term disability leave in 2022 and was paid by Prudential.However, there was some overpayment, and I had to refund the amount $406 to them back in 2023 in cheque.I have received a...
View ArticlePersonal Finance (Not Investing) • No email confirmation from FreeTaxUSA post...
Quick question, I have e-filed the 2023 tax return using freeTaxUSA but did not get any confirmation email post submission although after logging to the account it says e-Filed. (taxes due are...
View ArticlePersonal Investments • Why is Vanguard Short-Term ETF SEC yield higher?
Wondered why the Vanguard Short-Term Treasury ETF Sec yield (4.79%)is higher than Short-Term Treasury Index Fun Admiral Shares (4.74%) ?Also I see there are different expense ratios.Do Vanguard ETFs...
View ArticlePersonal Consumer Issues • Should I Quit My Big Law Job or Go Part-Time?
Hi,I am struggling with a decision that I need to make in the near future and I could use some insight from the group.A family member has a significant health issue and I have been on family medical...
View ArticlePersonal Investments • Is it better to hold cash in taxable or tax-deferred...
Spouse and I are 74/73 y.o., with 8.5M, currently allocated 72% stock, 16% bond, and 12% money markets with some T-bills for SWAN purposes. The 8.5M includes 2.85M in taxable, 0.75M in Roth, and 4.9M...
View ArticlePersonal Finance (Not Investing) • Per Stirpes vs By Representation
My mother (94) is looking over her will. It was written several years ago before her great-grandchildren were born. Her lawyer wrote her will using "by representation" which made sense when it was...
View ArticlePersonal Finance (Not Investing) • Should I file an extension due to HR Block...
Option 1: Very easy to generate extension FORM 4868. I can just run to USPS store and drop this. And then I can file the my taxes when HR Block fixes its problem. I don't owe taxes. I have a small...
View ArticlePersonal Investments • Downpayment in 11 years!
Hi,I currently am looking for advice on a downpayment within 11 years! I currently $31,514.20 in a taxable account that I am willing to pay taxes on for it. Is this a poor plan or best to put it in a...
View ArticleInvesting - Theory, News & General • What is the right Fixed Income...
I understand Boglehead philosophy of asset allocation, however have been reading on Boglehead and many other places which Boglehead follow that current equity market valuations are high and high...
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