TX_Tiger23

Agree. But an example is what you can use for a QCD. It didn’t realize you can’t use a full RMD amount via QCD. Meaning a QCD is maxed at $111k but someone’s RMD might be $200k. That’s a pretty big deal to understand.

He’s a doc, he can afford whatever Pinot he wants. It’s a gift, the doc will appreciate any gift.

Thanks. Didn’t know nor care to research. Assuming you’re correct, that makes sense and appreciate the response.

I like it too. But for some reason it’s easy to find with no markup the past 2+ years. Same with the traditional Heaven Hill

Looks absolutely awesome!

You would still have a max out of pocket with a high deductible plan. And as the HSA grew you can pay yourself back for that out of pocket expense. And you can pay yourself back many years down the road for past expenses.

KYN is a fund

Nope and I love Jimmy John’s for what it is but not getting a gyro there.

Most of the time, it’s best to leave the Roth bucket alone for as long as possible. Let it be focused on growth and the last bucket you touch. It’s growing tax-free. So remove the dividend stocks and set it for growth. Add international and small cap if you haven’t already.

Nope, you’ll avoid penalties if they get a scholarship but you’ll still owe the taxes. But you can change the beneficiary to someone else.

You’re absolutely correct and I agree on the top 7-10 stocks in the S&P being overly weighted now due to their run up the past few years. However, it corrects itself over time by newer companies growing and replacing others. Meaning look at the past and some of the heavier weighted companies for the S&P vs now. Lilly, Nvidia, Tesla are all relatively newer companies that have grown and surpassed others to become more heavily weighted.

I still think 500+ companies with market cap weight makes more sense for an index vs weighting based on stock price. And it gives a broader/better representation of the business environment. But I would agree the Dow has done a better job of selecting new companies that better represent the US than they have in the past.