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Re: Need advice with financial planning. @Orchid Leopard I was told by the folks at Empower Retirement, who handle the 457(b) for my school, that it was 20% + 10%, the 20 being the usual fed bracket plus state taxes and the extra 10% was…
- LoaferDude
- furious_falcon
- 1 mth ago
- Investing & Retirement
- Reported - view
Re: Dark Mode, Color Changes and Sidebar Options - Oh My! @Mario P. Well. you still technically can. Just use this Chrome extension called Dark Reader, which is totally fabulous, if I may add. It basically adds dark mode to all your web pages and is…
- LoaferDude
- furious_falcon
- 2 mths ago
- 1
- Announcements
- Reported - view
Re: Need advice with financial planning. @Superbone This is going to take me a bit of time to digest all this information, look up relevant reading material and understand this. Thank you all for everything. You folks are the best. :)
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone Thank you. :)
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @WordTenor Got it. Will do that. Thanks for the comprehensive breakdown and explanation. :)
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone Thank you. I actually got confused with what @WordTenor said because I misread it. I thought s/he was talking about the 457(b), but they were actually referring to my income replacement…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone I have made some staggeringly bad decisions when I moved here for grad school initially in 2008, but for the most part, seeing some sensible people around me drilled a good bit of…
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @dakinemaui Thank you for that information. I read through the article and it was super helpful explaining things to a newbie. I am going to do some more reading up based on your points.…
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @jenmas Oh no. I just made an observation about it. So the backstory to this Roth is that I worked for a year and a half in-between my Masters and my Ph.…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone Hahaha, yes. Point taken. I am not putting all my eggs into that basket. From the snapshot I provided now, it looks that way, but the idea is to bring it down to your levels after a…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @WordTenor said: I'm agreed with @Superbone that you should roll over the 457(b). You *should* be able to do a Roth conversion on it. Pay cash for the taxes on that conversion.…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @WordTenor said: That you have an "investment advisor" who is suggesting offshore funds and not balking at the fact that you've got a significant portion of your net worth tied up in crypto is a red…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone Ah my bad. I misunderstood. I will read the book(s) you suggested and more importantly, look deeper into the investment options there. I just picked the default ones when I was signed up…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @dakinemaui Yes, that makes a lot of sense. The home buying part is what I am very apprehensive about, for the lack of a better word. I am forever reminding myself that just because I have home…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: Need advice with financial planning. @Superbone Thank you for the kind words and for asking the pertinent and difficult questions. :) I was struggling to frame them. Let me try to answer them as best as I can. 1.…
- LoaferDude
- furious_falcon
- 3 mths ago
- Investing & Retirement
- Reported - view
Need advice with financial planning.
I have been debating about posting this for a while now, since it involves posting ballpark numbers about my current financial status (and doing that gives me sweaty palms),…
- LoaferDude
- furious_falcon
- 3 mths ago
- 32 replies
- 299
- Investing & Retirement
Re: Car loan strategy... I normally treat money into a car as what it is, an oxymoronic dead "investment", if you can call it that. Any cash you put into it is cash that is not working for you.…
- LoaferDude
- furious_falcon
- 3 mths ago
- 2
- Debt
- Reported - view
Re: Cheap but Decent Phone Plans @Peripherie I saw your posts and wrote a post on my experience with saving on car insurance. Here is the link in case you are interested. https://support.youneedabudget.com/t/60h39zt
- LoaferDude
- furious_falcon
- 3 mths ago
- Tips & Tricks
- Reported - view
Saving on car insurance.
I was reading the post on cheap mobile plans and I saw someone had enquired about car insurance and how to cut down on that thread. I just wanted to post my experience and throw the suggestion out…
- LoaferDude
- furious_falcon
- 3 mths ago
- 61
- Tips & Tricks
Re: Does YNAB use the "Plaid" service for transaction import? If so, are our transactions being provided to and monetized by Plaid? @sgarelick I don't think that is true. The same thing happened to me when they moved to Plaid and I assumed everything was working well. Plaid seemed to maintain the connections well enough,…
- LoaferDude
- furious_falcon
- 3 mths ago
- Accounts & Transactions
- Reported - view
Re: Will YNAB be issuing refunds for the poor connections? @Purple Case Or maybe the manual input people as keyed into the budgeting part so that it just happens seamlessly? :P I get the frustration, but honestly, on the mobile app,…
- LoaferDude
- furious_falcon
- 3 mths ago
- 2
- Accounts & Transactions
- Reported - view
Re: Will YNAB be issuing refunds for the poor connections? @Orchid Python YNAB is not the only one having issues with Plaid and CapOne. CapOne is doing what they should, justifiably so. They want to keep their customers' data safe.…
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Accounts & Transactions
- Reported - view
Re: Will YNAB be issuing refunds for the poor connections? @MorethanaConqueror I have never found it easier to manually enter transactions as and when they happen with the mobile app. For whatever gripes that people may have about the UI/UX viewability…
- LoaferDude
- furious_falcon
- 3 mths ago
- 1
- Accounts & Transactions
- Reported - view
Re: Apple Credit Card Apple and GS don't allow import providers to access transactions. The only way to do it is like @Green Cartridge explained. Export transactions to a file and then do a file import in YNAB.
- LoaferDude
- furious_falcon
- 3 mths ago
- Credit Cards
- Reported - view
Re: Has the latest update screwed anything up for anyone? @Melissa My pleasure. DarkReader is an absolute lifesaver when it comes to using system-wide dark mode and all that does on your browser is darken the borders and not the pages themselves.…
- LoaferDude
- furious_falcon
- 3 mths ago
- API & Integrations
- Reported - view

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