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re: MT advice for 25 year old
Posted on 5/31/19 at 12:59 pm to Freeze_Warning
Posted on 5/31/19 at 12:59 pm to Freeze_Warning
Yes
1
Posted on 6/3/19 at 8:52 am to jimbeam
Reading online i have seen Fidelity and Lively.
Any insight on good options for HSA?
Any insight on good options for HSA?
Posted on 6/3/19 at 9:56 am to Freeze_Warning
I have already posted my financial advice, but over the weekend I was out and about among some younger folks and was kind of surprised at how little they had actually "lived". This may not be the right word, but it seems like they just are stuck in the rat race and are not really experiencing life.
1. If you don't have a knee pain by now you aren't doing something right.
2. Create a bucket list of things you want to do in life and things you want do this this next year. Every year on your birthday break out the list and check off what you have done, add new items, and see how you are fairing overall.
3. Make at least one vacation a year a "reboot" type vacation. This isn't a trip to NY, this is a get away for a few days away from the tv, phone, internet etc and go backpacking, camping, kayaking, whatever.
4. Buy a Zojirushi Bread Machine - How did I ever make it this long without one of these things. (1lb model for me).
5. Simple life is a more enjoyable life... A few times in my life I have gotten into the routine of thinking I needed things that I really didn't use only to end up with something else to store, maintain, etc. Keep your wants vs needs in check. If you have things you never use donate them or sell them.
1. If you don't have a knee pain by now you aren't doing something right.
2. Create a bucket list of things you want to do in life and things you want do this this next year. Every year on your birthday break out the list and check off what you have done, add new items, and see how you are fairing overall.
3. Make at least one vacation a year a "reboot" type vacation. This isn't a trip to NY, this is a get away for a few days away from the tv, phone, internet etc and go backpacking, camping, kayaking, whatever.
4. Buy a Zojirushi Bread Machine - How did I ever make it this long without one of these things. (1lb model for me).
5. Simple life is a more enjoyable life... A few times in my life I have gotten into the routine of thinking I needed things that I really didn't use only to end up with something else to store, maintain, etc. Keep your wants vs needs in check. If you have things you never use donate them or sell them.
Posted on 6/3/19 at 10:17 am to TimeOutdoors
quote:
4. Buy a Zojirushi Bread Machine - How did I ever make it this long without one of these things. (1lb model for me).
What a random fourth point
Posted on 6/3/19 at 10:29 am to lynxcat
quote:
What a random fourth point
I am telling you.. that thing is awesome (I did delete having a Roomba Vacuum, but it is equally awesome).
Posted on 6/3/19 at 3:05 pm to windshieldman
quote:
I’d pay off student loans and truck before buying a house. When it’s time to buy a truck again, get a used one at a good price you can easily afford. Keep putting in 401k and Roth.
Curious as to why you would pay off student loans first when the interest is tax deductible and if you die your family is not responsible for them, whereas they will be resposible (or the estate will be) for other debts)? Not being critical (at least not purposefully), just trying to understand that thought process.
Posted on 6/3/19 at 3:38 pm to lynxcat
quote:
What a random fourth point
Seriously, especially since the other points are about stepping away from technology and appreciating the simpler things.
Posted on 6/3/19 at 4:02 pm to go ta hell ole miss
quote:
Curious as to why you would pay off student loans first when the interest is tax deductible and if you die your family is not responsible for them, whereas they will be resposible (or the estate will be) for other debts)? Not being critical (at least not purposefully), just trying to understand that thought process.
at that level, the interest isn't even close to the standard deduction. without a house or owning a business, dude likely not anywhere near being able to itemize. the other debts are secured by an asset.
Posted on 6/4/19 at 10:53 am to lsujro
quote:
at that level, the interest isn't even close to the standard deduction. without a house or owning a business, dude likely not anywhere near being able to itemize. the other debts are secured by an asset
Fair, but the standard has no impact on state taxes, does it? And, he was asking about purchasing a house, so there would be a house in this scenario to deduct interest (even if only for state taxes) if he did not pay down the student loans aggressively.
If one does itemize does that change the thought process or should I be more focused on student loans? My thoughts were that those would be the last thing I ever paidoff at 3% interest, interest can be deducted and they are wiped away if I die. I just cannot find a good reason to pay them down aggressively, but I am probably missing something. Trying to figure this thing out.
Posted on 6/4/19 at 11:08 am to TimeOutdoors
quote:
4. Buy a Zojirushi Bread Machine - How did I ever make it this long without one of these things. (1lb model for me).
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