Personal Finance (Not Investing) • W4 Withholding - one spouse makes more...
I’ve searched extensively for threads on W-4 forms but can’t find a clear answer. Our situation is as follows: my income is $160k, and my wife’s income is $65k. On our W-4s, we currently have MFJ...
View ArticlePersonal Finance (Not Investing) • SEE Finance 2 Users Information Forum
I've long been an advocate of SEE Finance 2 being the overall best personal finance software for Mac OS users. The reasons for that appear in other threads. Those of you who have been using it are...
View ArticlePersonal Finance (Not Investing) • Personal loan on a house
I've read through many posts on this forum about intra-family loans when it comes to house purchases, but am now as confused as ever. Here's my specific situation:My partner and I are first time home...
View ArticlePersonal Finance (Not Investing) • HSA vs HRA [Health Reimbursement Arrangement]
Hello! My company appears to not be offering an HSA in 2025 but will offer a HDHP HRA. Are you able to still keep your HSA accounts open while having an HRA and still manage the investments at the...
View ArticlePersonal Investments • structure settlement vs lump sum help
I recently came into windfall sum of money around 600k after fees my legal team has referred me to a settlement consulting company. I've read lot of post on this subject plus the wiki that boglehead...
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Investing - Theory, News & General • U.S. stocks could soon trade for...
Am no authority on this so pardon any ignorance, but, how would this affect mutual funds? as they are priced at days end?would they just be priced at 11:30PM then? Is there any potential fallout from...
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Personal Finance (Not Investing) • Re-check on "safety" of VMFXX
VMFXX is not FDIC insured, like a bank savings account - is it SPIC insured and if so to what amount?How safe is it to keep all your money there?Has anything changed recently?Thanks! Statistics:...
View ArticlePersonal Consumer Issues • When is the time to replace a comforter?
I always use a duvet, so I wash duvets but not the comforter. It then appears the comforter can last forever. I am frugal, but don't want to be that frugal. How do you know when it is time to replace...
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Personal Finance (Not Investing) • RMDs in form of all QCDs plus some
What are the rules about taking an annual RMD where that distribution amount exceeds the required amount and is all in the form of a QCD? And how is it all reported on line 4 entries on the Form...
View ArticlePersonal Investments • Fidelity Roth IRA - Is there an option for it to...
In Vanguard there is an option to have it maximize the yearly contribution limit. Sometimes my paychecks are smaller so I have to pause the contributions. I'm not seeing this option in Fidelity. I'm...
View ArticlePersonal Finance (Not Investing) • Do FAs bring any value at my level?
I stumbled upon a CNBC top 100 FA list. I took time to explore the top 10, listening to these people, looking around their websites, profiles, etc.https://www.cnbc.com/2024/10/02/fa-100- ......
View ArticlePersonal Finance (Not Investing) • Questions about High Deductible plan and...
Public School Teacher here. For the first time, employer is offering a high deductible health insurance plan, therefore making me eligible for a HSA. Not very knowledgable about the subject, and...
View ArticlePersonal Consumer Issues • Any way to Stop Free Medicare Part A to Continue...
In this scenario, a person is employed and covered by their employers high deductible health insurance and makes HSA contributions. The year the person turns 65, they enroll in free Medicare Part A,...
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Investing - Theory, News & General • FiCalc.app: VPW calculations,...
Let's set up a simple scenario in FiCalc: A retired couple has $1.2M and gets $80K a year in social security or other income (inflation adjusted) forever:Portfolio $1.2MAA: 70% stock, 30% bond...
View ArticlePersonal Investments • Backdoor Roth vs Taxable ?
I am relatively new to this forum and I am learning a few things still. I have been maxing out my pre-tax 401k contributions for several years now, but any additional savings I have currently go into...
View ArticlePersonal Finance (Not Investing) • Medicare supplemental coverage question
My parents asked me to make this post, and I greatly appreciate any responses. This forum is truly an excellent tool.My grandmother is 93 and just went into assisted living facility last week. The...
View ArticlePersonal Finance (Not Investing) • Pros/cons of using HSA funds to lower ACA...
Similar to this recent thread, we will be going on ACA health insurance in 2025 and are trying to figure out the best way to optimize our costs.Background: DW & I retired last year and have been...
View ArticlePersonal Finance (Not Investing) • Tax planning help
I'm a new Bogleheads member and retired in 2023. I currently manage our (my wife and I) investments but am trying t see if there are people / firms around that just do tax planning, without requiring...
View ArticleInvesting - Theory, News & General • IBKR sweep account - what is the...
I have received an email or two from Interactive Brokers every month for around 3 months about enrolling in their sweep program. What is IBKR’s motivation here to keep bugging me to join? What am I...
View ArticlePersonal Investments • Why do I have non-covered shares from 2014-2019?
Vanguard seems to have the complete cost basis information for a number of lots in the 2014-2019 time frame but calls them “non covered” Why?I assumed that all shares after 2013 would be covered....
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