tigerbait17

Vitello most definitely recruits a certain personality. The team 2 years ago was 1 million times worse than this one. Last years team wasn't as bad and they won it all. Seems the more "chippy" they are the worse they fall.

Its gotta be 1/9/12.... That was the most painful/helpless game I have ever witnessed.

Not at all but if you work your way to owning your own company you can make a great living. The work isn’t going anywhere.

I think OP is referring to 401k contribution limits for Highly Compensated Employees (HCE). If other employees dont participate at a high enough rate company may have to increase employer contribution or send back HCE contributions to get below limits. The intent is so HCEs dont over benefit from a plan without making it readily available or well known for typical employees. OP is likely either an HCE or erroneously thinks this also applies to him. If it is a bad plan, as OP states, the HCE administrator/management
types should be pushing for better for their subordinates' sake and themselves (thus the HCE rules.)

This is correct. We have over 2500 employees company wide. So an administrator contributing 15% or so will be significantly more than a housekeeper contributing 15% or more. It might be worth it for me but ever person who does it that I talk to get a refund check in the mail for a significant amount of money. They then have to figure out what to do with that.

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OP is all over the place (filing single or does he mean withholding/claiming, unclear if his objective is pay less taxes or just to owe less at filing, doesnt fully understand his 401k etc...) I thought Slackster did well trying to address OP without asking for/waiting for needed clarification.

So what is it OP, trying to lower tax burden, avoid penalties for under withholding, or trying to dial it in to owe nothing at filing? What's your current tax bracket and future expectations? Traditional 401k/IRA may lower taxable income now but if you arent in a high bracket could be foolish move versus Roth.

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Fair point, I did leave out my whole goal. I would like to lower my tax burden overall. I feel like I will always have to pay but dont want to unexpectedly have to pay 7k again. I am just looking for the smartest way to do this.

I work in healthcare and this past year I had to pay 7,000 in taxes. It caught me off guard as I have never had to pay this much. The issue I had was I received a bonus check every month in 2024 (these are census based and not guaranteed. I have missed them 2 times already in 2025). After doing the math, the bonus's we get are not taxed correctly so this caused the shortfall in my taxes. I am filing as single (got married last may) and 1.

I asked chat gpt how I can make it to where I dont get taxed and it gave me a few different options. One was to take out 250 to 300 a check. The other was to max out my 401k to lower my taxable income. The option of requesting to have the bonus checks taxed hire is not available unfortunately. The 401k for our company is not great and every administrator who does it gets a large amount back due to the 401k having to balance out company wide (don't really understand this).

Would it be beneficial to max out a 401k to start and get my taxable income lowered? Should I just take the money out on the front end? Like I mentioned earlier I have already missed two months of bonus's so I wont be making as much on bonus's this year. I was able to save a lot of money last year and hope to do the same this year. I currently have a roth IRA I am maxing out yearly. Would appreciate any advice given.

No doubt there is a need for all psych patients. The number of patients requiring that care will continue to increase. Either we add increased care or we force them on the streets.

I got a pair last year and they are great. Easily the most comfortable golf shoe I have had. The spikes are not replaceable but I really dont see how they would fall off. It is a rubber spike that has more give but is put on the shoe different than the screw on spikes it seems.

I would recommend I have really liked the pair I got.

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Huntingtons disease also

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I was coming to post this. I work in a nursing home and the worst condition we have ever dealt with had this. It was very sad to see. We couldnt do anything for the resident.

When Gov Landry was asked what he would do if the commissioner was not able to lower the rates he said "then he will be held accountable". I know he cant be removed but not really sure how else you hold that position accountable to be honest.