Personal Investments • Contribute to tax-deferred or Roth in...
Some background:Age: 52, hope to retire around age 60Current retirement savings: A little bit more than $1 million, 75% stock index, 25% bond index, half in tax-deffered 403(b) and half in employer...
View ArticlePersonal Investments • Backdoor Roth, but with "Rollover IRA"
The wife and I have funded backdoor Roth IRA's with Vanguard for the last five years. However, in 2024 my wife had a small pension with Fidelity that they chose to payout (not our choice) into a...
View ArticlePersonal Finance (Not Investing) • Does my cousin have a case here? (real...
Not sure if anyone can help with this. But I would welcome any suggestions. My Aunt passed away this past week. She had one child (my cousin), who is scraping by and challenged by financial matters...
View ArticlePersonal Investments • BlackRock Government/Credit Bond Fund vs VBTLX/BND
Hello Bogleheads,My wife and I are in our mid-50s, let's say around a $2M overall portfolio (not including non-COLA pensions) across my 401k, Roth IRAs, Traditional IRA, taxable brokerage accounts,...
View ArticlePersonal Consumer Issues • Overhead lights
We live in an older home where many of the rooms don’t have overhead lights. In the upstairs, there’s an attic so I plan to use rated can lights. For the downstairs, there’s isn’t any gap between the...
View ArticlePersonal Investments • Annual Portfolio Review: SWR, VPW, Retire?
Bogleheads’ advice, hard work, and a strong market have boosted my confidence and improved my portfolio.After another journey around the sun, I have another request for your invaluable...
View ArticlePersonal Consumer Issues • Sedona, Arizona
1/ We are seriously considering Sedona as our top choice for relocating when we reach early retirement. We love Sedona for the outdoor activities it has, particularly hiking, and for the year round...
View ArticlePersonal Finance (Not Investing) • Downloading from Vanguard site for TurboTax
I'm just preparing as I'm worried I may be getting a little too old to do my taxes myself. I've always had a mutual account before this year and I never did a download with TurboTax. I just entered...
View ArticlePersonal Finance (Not Investing) • Spreadsheet for Pub 505 worksheets...
I'm trying to learn about estimated taxes, which I expect for the first time in 2025, and the various worksheets in Pub 505. Does anyone know of a shared (published) spreadsheet for the various...
View ArticlePersonal Consumer Issues • House contract and Radon report:
We have contracted for a housing purchase with the inspection report revealing excessive Radon readings. The U.S. average in homes is 1.3, mitigation is recommended when above 2.0, the inspection...
View ArticleInvesting - Theory, News & General • New Tools for Treasuries, TIPS, and...
Hi all! I wanted to share some tools I’ve been working on for a while now that I hope will be of value here. For starters, the site is and will always be a free resource – I am a full-time structural...
View ArticleInvesting - Theory, News & General • ICAPM vs. Bill Bernstein LMP+ Growth...
All,I was just listening to the Rational Reminder Podcast on ICAPMhttps://rationalreminder.ca/podcastThe discussion of ICAPM sounded a great deal like Dr. Bill Bernstein Liability Matching Portfolio +...
View ArticlePersonal Finance (Not Investing) • Help me understand best strategy for...
40 y/o, married with an 18 month. We plan to have no more kids. My wife is a federal employee with TSP account and will get a pension on top of it. We have a house with a $150k left on it at 2.1%, but...
View ArticlePersonal Investments • First time backdoor roth
Hey everyone, have a unique question regarding back door Roth. I have 100k in a rollover traditional IRA at vanguard that my work is letting me roll in the entirety of to my workplace 401k. So there...
View ArticlePersonal Investments • funds and allocations
I’m a 60-year-old retired construction worker looking to roll my 401(k) into a traditional IRA. While the balance of $520,000 is not the focus here, I’m more interested in learning about the index...
View ArticlePersonal Investments • Financial Advisor Needed?
I am 59 year old small business owner looking into the need for a financial advisor as I plan to retire this year. At this point I have done my own investing with some tax input from my accountant....
View ArticlePersonal Finance (Not Investing) • If you needed a car for just a year, what...
Basically as the title says; I need a car just for a year, and am not sure what to do. I guess the most bogle idea would be to buy something very inexpensive (under $10k), perhaps from FB market,...
View ArticlePersonal Finance (Not Investing) • Tax planning for 2025
This year is the first year that Roth option is available at work for the entire year, so I need to do some tax planning as my goals are1) to contribute exclusively to Roth (thus no tax deductions),2)...
View ArticleForum Issues and Administration • anybody else getting errors : 503 Service...
anybody else getting any intermittent errors this Sunday afternooon 1/5/2025:503 Service UnavailableNo server is available to handle this request.Statistics: Posted by arcticpineapplecorp. — Sun Jan...
View ArticleInvesting - Theory, News & General • China tilt in TSP?
Are there any strategies for adding a China tilt for those holding the I-Fund inside a TSP? Not long ago the TSP removed China from its I-Fund and as a result the I-Fund is not as inclusive or as well...
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