First of all: My elderly parents couldn't believe their eyes when they saw my Roth IRA hit $100k. ![:moneybag]( "money bag")
Thank you, Bogelheads, for the financial education you release into the world.
You are changing lives.
Since I am behind to the game and at a lower income level, I prefer to be aggressive with investing. I'm considering my TRS (Texas Retirement System) pension as the bond/conservative portion of my portfolio. I daydream about retiring early (55 to 60) to take care of my parents and travel. If I'm able to retire early, I would search for a part-time position during early retirement for supplemental pay. Hoping to leave equal amounts of retirement to each of 8 nephew/niece (I have no children), a lump sum to an animal assisting charity, and a lump sum to a food security charity. Both charitable contributions will take my life full circle. So I'm honed in!
Her Emergency Funds: 3 months
Her Debt:
Auto Loan: $780 @ 4%
College Loans: $2,033 @ 5.7%
Her Tax Filing Status: Single
Her Tax Rate: 12% Federal, 0% State
State of Residence: TX
Her Age: 47
Desired Asset allocation: 80% stocks / 10% bonds
Desired International allocation: 10%
Her Portfolio Size: $150K
Her Current Retirement Assets:
Texas Retirement System
Pension-estimating $3000/mo, not eligible for SS
Brokerage at ETrade (3.2%)
1.8% (UDOW)
0.5% (CNK)
0.4% (SPY) (0.09%)
0.1% (WBD)
0% GENEREX BIOTECHNOLOGY CORPORATION COMMON STOCK (371485301) (??%)
0% NUGENEREX IMMUNO ONCOLOGY INC COMMON STOCK (67053X102) (??%)
0% NUGENEREX IMMUNO ONCOLOGY RST (67053X9Z7) (??%)
0.2% (AGG) (0.03%)
0.2% (CASH)
Brokerage at Vanguard (1.5%)
0.9% NVIDIA CORP (NVDA)
0.3% VANGUARD TOTAL WORLD STOCK ETF (VT) (0.07%)
0.3% VANGUARD CASH DEPOSIT (CASH)
Individual at Safety Deposit Box (0.3%)
0.2% EE Bonds
0.1% IBonds
current 403(b) at Vanguard (1.1%)
1.1% Vanguard 500 Index Fund Admiral Shares (VFIAX) (0.04%)
current 457(b) Governmental at Empower (1.1%)
1.1% Fidelity 500 Index Fund (FXAIX) (0.02%)
previous 401(k) at JP Morgan Chase (11.9%)
2.6% INVESCO QQQ TR UNIT SER 1 (QQQ) (0.2%)
2.3% ISHARES CORE S&P 500 ETF (IVV) (0.03%)
2.3% SPDR S&P 500 ETF TRUST (SPY) (0.09%)
2.1% VANGUARD S&P 500 ETF (VOO) (0.03%)
1.3% NVIDIA CORP (NVDA)
1.2% J P MORGAN EXCHANGE TRADED FUND TRUST JPMORGAN EQUITY PREMIUM INCOME ETF (JEPI) (0.35%)
0.1% AMAZON.COM INC (AMZN)
0.1% CHASE IRA DEPOSIT SWEEP JPMORGAN CHASE BANK NA (QDERQ)
previous 401(k) at Vanguard (9.8%)
4.5% Instl 500 Index Trust (VFFSX) (??%)
1.6% Vanguard Equity Income Fund Admiral Shares (VEIRX) (0.19%)
0.8% Vanguard Extended Market Index Fund Institutional Shares (VIEIX) (0.05%)
0.3% Vanguard Total International Stock Index Fund Institutional Shares (VTSNX) (0.08%)
0.6% Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) (0.035%)
1.9% Vanguard Target Retirement 2040 Fund (VFORX) (0.08%)
Roth IRA at Vanguard (64.5%)
63.7% VANGUARD TARGET RETIREMENT 2040 INVESTOR CL (VFORX) (0.08%)
0.8% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)
HSA at Schwab (6.7%)
2.1% SPDR DOW JONES INDUSTRIAL AVRG ETF @ (DIA) (0.16%)
1.9% NVIDIA CORP (NVDA)
0.6% SCHWAB US DIVIDEND EQUITY ETF (SCHD) (0.06%)
0.4% NEOS NASDAQ 100 HIGH INCOME ETF (QQQI) (0.68%)
0.3% SCHWAB S&P 500 INDEX (SWPPX) (0.02%)
0.3% AMAZON.COM INC (AMZN)
0.3% COSTCO WHSL CORP NEW (COST)
0.1% HERSHEY CO (HSY)
0.1% ELI LILLY AND CO (LLY)
0.1% CONSTELLATION ENERGY COR (CEG)
0.7% VANGUARD INTERNATNL HGH DIV YLD ETF (VYMI) (0.22%)
Social Security (0%)
Her Contributions:
Planned savings: $67,100
Prioritized Investments:
$4,150 in HSA (Employer: $150 match)
$7,000 in Roth IRA
$2,813 in Medium Debts
$53,137 in Taxable
Available funds:
Funds available in 457(b) Governmental at Empower
Fidelity International Index (FSPSX) (0.035%)
PIMCO Int Bond (USD-Hedged) Inst (PFORX) (0.025%)
Fidelity 500 Index (FXAIX) (0.015%)
Fidelity Mid Cap Index (FSMDX) (0.025%)
Fidelity Small Cap Index (FSSNX) (0.025%)
Putnam Small Cap Growth R6 (PLKGX) (0.81%)
Franklin Small Cap Value GG Trust CIT R (WFSAAX) (0.526%)
Cohen & Steers Real Estate Securities Z (CSZIX) (0.75%)
Fidelity Inflation Protected Bond Index (FIPDX) (0.05%)
IndexSelect Aggressive 2045 Fund CL I (WTIWNX) (0.1509%)
PIMCO Int Bond (USD-Hedged) Inst (PFORX) (0.75%)
DFA Emerging Markets Core Equity CSI (DFCEX) (0.39%)
Funds available in 403(b) at Vanguard
Vanguard Balanced Index Adm (VBIAX) (%)
Vanguard Cash Reserves Federal MM Adm (VMRXX) (%)
Vanguard Core Bond Adm (VCOBX) (%)
Vanguard Developed Mkts Index Adm (VTMGX) (%)
Vanguard Dividend Apprec Index Adm (VDADX) (%)
Vanguard Dividend Growth Inv (VDIGX) (%)
Vanguard Emerging Mkts Stock Idx Adm (VEMAX) (%)
Vanguard Energy Adm (VGELX) (%)
Vanguard Explorer Adm (VEXRX) (%)
Vanguard Explorer Value Inv (VEVFX) (%)
Vanguard Extended Market Index Adm (VEXAX) (%)
Vanguard FTSE Social Index Adm (VFTAX) (%)
Vanguard Federal Money Market Inv (VMFXX) (%)
Vanguard GNMA Adm (VFIJX) (%)
Vanguard Global Capital Cycles Inv (VGPMX) (%)
Vanguard Global Equity Inv (VHGEX) (%)
Vanguard Growth Index Adm (VIGAX) (%)
Vanguard Growth and Income Adm (VGIAX) (%)
Vanguard Health Care Adm (VGHAX) (%)
Vanguard High Dividend Yield Index Adm (VHYAX) (%)
Vanguard Inflation-Protected Sec Adm (VAIPX) (%)
Vanguard Interm-Term Invst Grade Adm (VFIDX) (%)
Vanguard International Growth Adm (VWILX) (%)
Vanguard International Value Inv (VTRIX) (%)
Vanguard LifeStrategy Consv Growth Inv (VSCGX) (%)
Vanguard LifeStrategy Growth Inv (VASGX) (%)
Vanguard LifeStrategy Income Inv (VASIX) (%)
Vanguard LifeStrategy Moderate Gr Inv (VSMGX) (%)
Vanguard Long-Term Treasury Adm (VUSUX) (%)
Vanguard Mid Cap Index Adm (VIMAX) (%)
Vanguard Mid-Cap Growth Index Adm (VMGMX) (%)
Vanguard Mid-Cap Growth Inv (VMGRX) (%)
Vanguard Mid-Cap Value Index Adm (VMVAX) (%)
Vanguard Pacific Stock Index Adm (VPADX) (%)
Vanguard Real Estate Index Adm (VGSLX) (%)
Vanguard STAR Inv (VGSTX) (%)
Vanguard Selected Value Inv (VASVX) (%)
Vanguard Short-Term Invest Grade Adm (VFSUX) (%)
Vanguard Small-Cap Growth Index Adm (VFIRX) (%)
Vanguard Small-Cap Index Adm (VSMAX) (%)
Vanguard Small-Cap Value Index Adm (VSIAX) (%)
Vanguard Strategic Equity Inv (VSEQX) (%)
Vanguard Strategic Small-Cap Equity Inv (VSTCX) (%)
Vanguard Target Retirement 2040 Fund (VFORX) (%)
Vanguard Target Retirement 2045 Fund (VTIVX) (%)
Vanguard Target Retirement 2050 Fund (VFIFX) (%)
Vanguard Target Retirement Income Fund (VTINX) (%)
Vanguard Total Bond Market Index Adm (VBTLX) (%)
Vanguard Total Intl Bond Index Adm (VTABX) (%)
Vanguard Total Intl Stock Index Adm (VTIAX) (%)
Vanguard Total Stock Market Index Adm (VTSAX) (%)
Vanguard Total World Stock Index Adm (VTWAX) (%)
Vanguard U.S. Growth Adm (VWUAX) (%)
Vanguard Value Index Adm (VVIAX) (%)
Vanguard Wellesley Income Adm (VWIAX) (%)
Vanguard Wellington Admiral (VWENX) (%)
Vanguard Windsor II Adm (VWNAX) (%)
Funds available in Roth457(b) Governmental at Empower
Same as 457(b) options
Funds available in HSA at Schwab
None
Partner's Debt
$225,000 26 yr. Mortgage @$1200/mo est.
$500\mo car loan, will be paid off within a year
$10,000 credit card bill
Partner's Pension
$4000/mo military retirement, increasing to $5300 est. after 2029
Has Tricare benefits and no other retirement/savings accounts.
Partner's Social Security
Will receive standard benefits. (no estimate available at the moment)
Questions:
1. Now that I have reached $100k in the Roth IRA and I know better, I would like to convert my 100% VFORX to rebalance my portfolio. Any help with rebalancing any account is appreciated!
2. The first contributions to the 403b and the 457b will be in late November of 2024. I have time to cancel the November contributions and make adjustments to the December contributions. Should I proceed with these 2 accounts or contribute to the 403b and a Roth 457b? None of the accounts are matched. The 457s are governmental accounts. I have $3200 available to contribute in November, and $3900 in December. Future contributions will start at $300 until
3. Should I roll over the Chase IRA and Vanguard IRA to Vanguard Roth IRA as a backdoor Roth and pay taxes now?
4. Our HSA is matched with $150/quarter if we max our contributions. I will not qualify to continue the HSA after marriage due to Tricare. Planning to use it as a Traditional IRA. After marriage, which account should I redirect the contribution towards?
5. HSABank does not allow investing in Schwab any longer. I don't want to liquidate the Schwab account, which is the only option provided by HSABank, other than allowing it to sit and grow. So it shall sit and grow. If anyone foresees an issue with this, please let me know.
6. The new HSABank investment account option is Choice with 0.10% annual fee of assets under administration calculated based on the value of invested assets at the end of each quarter. "This option offers a simplified brokerage experience with a large range of stocks, mutual funds, exchange-traded funds (ETFs) and more." I'm considering opening a free Fidelity HSA. (I must keep the HSABank account open to receive employer quarterly matches of $150.) I have contacted HSABank and Fidelity to confirm, once I open a Fidelity HSA, I should be able to make transfers from the HSABank account to the Fidelity HSA on a monthly basis, then invest in the Fidelity HSA. Has anyone experienced any issues with this scenario? Should I open the Choice account or open the Fidelity account?
7. My car loan will be paid off in 2024. Paying off student loans early 2025. After payoffs, where should I invest the $460\mo? Should I open a couple of 529s for my brothers' children (8 nephews and nieces total) and invest a portion of the $460\mo?
8. The Etrade brokerage account started as a pocket change experiment years ago. The original brokerage company dissolved and I thought my account disappeared with it. I finally tracked it down at Etrade years later…with a 4 digit balance! I'll contact the IRS for guidance on how to file any back taxes. During that process, I plan to use the zeroed accounts to counteract some taxes. Should I keep this account open and fund it with pocket change? Just kidding about the pocket change. Any reason to keep it open? I'm considering liquidating it and using the Vangard Brokerage going forward for simplicity.
~Norma
Thank you, Bogelheads, for the financial education you release into the world.
You are changing lives.
Since I am behind to the game and at a lower income level, I prefer to be aggressive with investing. I'm considering my TRS (Texas Retirement System) pension as the bond/conservative portion of my portfolio. I daydream about retiring early (55 to 60) to take care of my parents and travel. If I'm able to retire early, I would search for a part-time position during early retirement for supplemental pay. Hoping to leave equal amounts of retirement to each of 8 nephew/niece (I have no children), a lump sum to an animal assisting charity, and a lump sum to a food security charity. Both charitable contributions will take my life full circle. So I'm honed in!
Her Emergency Funds: 3 months
Her Debt:
Auto Loan: $780 @ 4%
College Loans: $2,033 @ 5.7%
Her Tax Filing Status: Single
Her Tax Rate: 12% Federal, 0% State
State of Residence: TX
Her Age: 47
Desired Asset allocation: 80% stocks / 10% bonds
Desired International allocation: 10%
Her Portfolio Size: $150K
Her Current Retirement Assets:
Texas Retirement System
Pension-estimating $3000/mo, not eligible for SS
Brokerage at ETrade (3.2%)
1.8% (UDOW)
0.5% (CNK)
0.4% (SPY) (0.09%)
0.1% (WBD)
0% GENEREX BIOTECHNOLOGY CORPORATION COMMON STOCK (371485301) (??%)
0% NUGENEREX IMMUNO ONCOLOGY INC COMMON STOCK (67053X102) (??%)
0% NUGENEREX IMMUNO ONCOLOGY RST (67053X9Z7) (??%)
0.2% (AGG) (0.03%)
0.2% (CASH)
Brokerage at Vanguard (1.5%)
0.9% NVIDIA CORP (NVDA)
0.3% VANGUARD TOTAL WORLD STOCK ETF (VT) (0.07%)
0.3% VANGUARD CASH DEPOSIT (CASH)
Individual at Safety Deposit Box (0.3%)
0.2% EE Bonds
0.1% IBonds
current 403(b) at Vanguard (1.1%)
1.1% Vanguard 500 Index Fund Admiral Shares (VFIAX) (0.04%)
current 457(b) Governmental at Empower (1.1%)
1.1% Fidelity 500 Index Fund (FXAIX) (0.02%)
previous 401(k) at JP Morgan Chase (11.9%)
2.6% INVESCO QQQ TR UNIT SER 1 (QQQ) (0.2%)
2.3% ISHARES CORE S&P 500 ETF (IVV) (0.03%)
2.3% SPDR S&P 500 ETF TRUST (SPY) (0.09%)
2.1% VANGUARD S&P 500 ETF (VOO) (0.03%)
1.3% NVIDIA CORP (NVDA)
1.2% J P MORGAN EXCHANGE TRADED FUND TRUST JPMORGAN EQUITY PREMIUM INCOME ETF (JEPI) (0.35%)
0.1% AMAZON.COM INC (AMZN)
0.1% CHASE IRA DEPOSIT SWEEP JPMORGAN CHASE BANK NA (QDERQ)
previous 401(k) at Vanguard (9.8%)
4.5% Instl 500 Index Trust (VFFSX) (??%)
1.6% Vanguard Equity Income Fund Admiral Shares (VEIRX) (0.19%)
0.8% Vanguard Extended Market Index Fund Institutional Shares (VIEIX) (0.05%)
0.3% Vanguard Total International Stock Index Fund Institutional Shares (VTSNX) (0.08%)
0.6% Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) (0.035%)
1.9% Vanguard Target Retirement 2040 Fund (VFORX) (0.08%)
Roth IRA at Vanguard (64.5%)
63.7% VANGUARD TARGET RETIREMENT 2040 INVESTOR CL (VFORX) (0.08%)
0.8% VANGUARD FEDERAL MONEY MARKET INVESTOR CL (VMFXX) (0.11%)
HSA at Schwab (6.7%)
2.1% SPDR DOW JONES INDUSTRIAL AVRG ETF @ (DIA) (0.16%)
1.9% NVIDIA CORP (NVDA)
0.6% SCHWAB US DIVIDEND EQUITY ETF (SCHD) (0.06%)
0.4% NEOS NASDAQ 100 HIGH INCOME ETF (QQQI) (0.68%)
0.3% SCHWAB S&P 500 INDEX (SWPPX) (0.02%)
0.3% AMAZON.COM INC (AMZN)
0.3% COSTCO WHSL CORP NEW (COST)
0.1% HERSHEY CO (HSY)
0.1% ELI LILLY AND CO (LLY)
0.1% CONSTELLATION ENERGY COR (CEG)
0.7% VANGUARD INTERNATNL HGH DIV YLD ETF (VYMI) (0.22%)
Social Security (0%)
Her Contributions:
Planned savings: $67,100
Prioritized Investments:
$4,150 in HSA (Employer: $150 match)
$7,000 in Roth IRA
$2,813 in Medium Debts
$53,137 in Taxable
Available funds:
Funds available in 457(b) Governmental at Empower
Fidelity International Index (FSPSX) (0.035%)
PIMCO Int Bond (USD-Hedged) Inst (PFORX) (0.025%)
Fidelity 500 Index (FXAIX) (0.015%)
Fidelity Mid Cap Index (FSMDX) (0.025%)
Fidelity Small Cap Index (FSSNX) (0.025%)
Putnam Small Cap Growth R6 (PLKGX) (0.81%)
Franklin Small Cap Value GG Trust CIT R (WFSAAX) (0.526%)
Cohen & Steers Real Estate Securities Z (CSZIX) (0.75%)
Fidelity Inflation Protected Bond Index (FIPDX) (0.05%)
IndexSelect Aggressive 2045 Fund CL I (WTIWNX) (0.1509%)
PIMCO Int Bond (USD-Hedged) Inst (PFORX) (0.75%)
DFA Emerging Markets Core Equity CSI (DFCEX) (0.39%)
Funds available in 403(b) at Vanguard
Vanguard Balanced Index Adm (VBIAX) (%)
Vanguard Cash Reserves Federal MM Adm (VMRXX) (%)
Vanguard Core Bond Adm (VCOBX) (%)
Vanguard Developed Mkts Index Adm (VTMGX) (%)
Vanguard Dividend Apprec Index Adm (VDADX) (%)
Vanguard Dividend Growth Inv (VDIGX) (%)
Vanguard Emerging Mkts Stock Idx Adm (VEMAX) (%)
Vanguard Energy Adm (VGELX) (%)
Vanguard Explorer Adm (VEXRX) (%)
Vanguard Explorer Value Inv (VEVFX) (%)
Vanguard Extended Market Index Adm (VEXAX) (%)
Vanguard FTSE Social Index Adm (VFTAX) (%)
Vanguard Federal Money Market Inv (VMFXX) (%)
Vanguard GNMA Adm (VFIJX) (%)
Vanguard Global Capital Cycles Inv (VGPMX) (%)
Vanguard Global Equity Inv (VHGEX) (%)
Vanguard Growth Index Adm (VIGAX) (%)
Vanguard Growth and Income Adm (VGIAX) (%)
Vanguard Health Care Adm (VGHAX) (%)
Vanguard High Dividend Yield Index Adm (VHYAX) (%)
Vanguard Inflation-Protected Sec Adm (VAIPX) (%)
Vanguard Interm-Term Invst Grade Adm (VFIDX) (%)
Vanguard International Growth Adm (VWILX) (%)
Vanguard International Value Inv (VTRIX) (%)
Vanguard LifeStrategy Consv Growth Inv (VSCGX) (%)
Vanguard LifeStrategy Growth Inv (VASGX) (%)
Vanguard LifeStrategy Income Inv (VASIX) (%)
Vanguard LifeStrategy Moderate Gr Inv (VSMGX) (%)
Vanguard Long-Term Treasury Adm (VUSUX) (%)
Vanguard Mid Cap Index Adm (VIMAX) (%)
Vanguard Mid-Cap Growth Index Adm (VMGMX) (%)
Vanguard Mid-Cap Growth Inv (VMGRX) (%)
Vanguard Mid-Cap Value Index Adm (VMVAX) (%)
Vanguard Pacific Stock Index Adm (VPADX) (%)
Vanguard Real Estate Index Adm (VGSLX) (%)
Vanguard STAR Inv (VGSTX) (%)
Vanguard Selected Value Inv (VASVX) (%)
Vanguard Short-Term Invest Grade Adm (VFSUX) (%)
Vanguard Small-Cap Growth Index Adm (VFIRX) (%)
Vanguard Small-Cap Index Adm (VSMAX) (%)
Vanguard Small-Cap Value Index Adm (VSIAX) (%)
Vanguard Strategic Equity Inv (VSEQX) (%)
Vanguard Strategic Small-Cap Equity Inv (VSTCX) (%)
Vanguard Target Retirement 2040 Fund (VFORX) (%)
Vanguard Target Retirement 2045 Fund (VTIVX) (%)
Vanguard Target Retirement 2050 Fund (VFIFX) (%)
Vanguard Target Retirement Income Fund (VTINX) (%)
Vanguard Total Bond Market Index Adm (VBTLX) (%)
Vanguard Total Intl Bond Index Adm (VTABX) (%)
Vanguard Total Intl Stock Index Adm (VTIAX) (%)
Vanguard Total Stock Market Index Adm (VTSAX) (%)
Vanguard Total World Stock Index Adm (VTWAX) (%)
Vanguard U.S. Growth Adm (VWUAX) (%)
Vanguard Value Index Adm (VVIAX) (%)
Vanguard Wellesley Income Adm (VWIAX) (%)
Vanguard Wellington Admiral (VWENX) (%)
Vanguard Windsor II Adm (VWNAX) (%)
Funds available in Roth457(b) Governmental at Empower
Same as 457(b) options
Funds available in HSA at Schwab
None
Partner's Debt
$225,000 26 yr. Mortgage @$1200/mo est.
$500\mo car loan, will be paid off within a year
$10,000 credit card bill
Partner's Pension
$4000/mo military retirement, increasing to $5300 est. after 2029
Has Tricare benefits and no other retirement/savings accounts.
Partner's Social Security
Will receive standard benefits. (no estimate available at the moment)
Questions:
1. Now that I have reached $100k in the Roth IRA and I know better, I would like to convert my 100% VFORX to rebalance my portfolio. Any help with rebalancing any account is appreciated!
2. The first contributions to the 403b and the 457b will be in late November of 2024. I have time to cancel the November contributions and make adjustments to the December contributions. Should I proceed with these 2 accounts or contribute to the 403b and a Roth 457b? None of the accounts are matched. The 457s are governmental accounts. I have $3200 available to contribute in November, and $3900 in December. Future contributions will start at $300 until
3. Should I roll over the Chase IRA and Vanguard IRA to Vanguard Roth IRA as a backdoor Roth and pay taxes now?
4. Our HSA is matched with $150/quarter if we max our contributions. I will not qualify to continue the HSA after marriage due to Tricare. Planning to use it as a Traditional IRA. After marriage, which account should I redirect the contribution towards?
5. HSABank does not allow investing in Schwab any longer. I don't want to liquidate the Schwab account, which is the only option provided by HSABank, other than allowing it to sit and grow. So it shall sit and grow. If anyone foresees an issue with this, please let me know.
6. The new HSABank investment account option is Choice with 0.10% annual fee of assets under administration calculated based on the value of invested assets at the end of each quarter. "This option offers a simplified brokerage experience with a large range of stocks, mutual funds, exchange-traded funds (ETFs) and more." I'm considering opening a free Fidelity HSA. (I must keep the HSABank account open to receive employer quarterly matches of $150.) I have contacted HSABank and Fidelity to confirm, once I open a Fidelity HSA, I should be able to make transfers from the HSABank account to the Fidelity HSA on a monthly basis, then invest in the Fidelity HSA. Has anyone experienced any issues with this scenario? Should I open the Choice account or open the Fidelity account?
7. My car loan will be paid off in 2024. Paying off student loans early 2025. After payoffs, where should I invest the $460\mo? Should I open a couple of 529s for my brothers' children (8 nephews and nieces total) and invest a portion of the $460\mo?
8. The Etrade brokerage account started as a pocket change experiment years ago. The original brokerage company dissolved and I thought my account disappeared with it. I finally tracked it down at Etrade years later…with a 4 digit balance! I'll contact the IRS for guidance on how to file any back taxes. During that process, I plan to use the zeroed accounts to counteract some taxes. Should I keep this account open and fund it with pocket change? Just kidding about the pocket change. Any reason to keep it open? I'm considering liquidating it and using the Vangard Brokerage going forward for simplicity.
~Norma
Statistics: Posted by NormaIRL — Wed Nov 13, 2024 10:21 pm — Replies 1 — Views 212