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Re: Need History of ALL budget moves and assignments @dakinemaui Oh haha! Actually "loafer" means someone who roams a lot aimlessly, as used in my native language's local lingo. :) Since I like to travel ,…
- LoaferDude
- furious_falcon
- 3 wk ago
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments I had to go back and look up my grammar basics and linguistic basics twice to actually get that. One of the many things I learnt today, or re-learnt. 😊 Invite more linguists to parties I say!
- LoaferDude
- furious_falcon
- 3 wk ago
- 1
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments I did not envision this going down this path. 😂
- LoaferDude
- furious_falcon
- 3 wk ago
- 2
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments @Superbone “A Complete Idiot’s || Guide to YNAB” or “A Complete || Idiot’s Guide to YNAB”? Which would you prefer? 😂
- LoaferDude
- furious_falcon
- 3 wk ago
- 1
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments @Superbone I was thinking about that exact title!!! Or YNAB for Idiots? 😋
- LoaferDude
- furious_falcon
- 3 wk ago
- 1
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments @dakinemaui Let me find something appropriate for that I had in mind. Here we go: “Getting your sh*t together requires a level of honesty you cannot even imagine.…
- LoaferDude
- furious_falcon
- 3 wk ago
- 1
- Using YNAB
- Reported - view
Re: Need History of ALL budget moves and assignments I have a suggestion. Maybe @WordTenor , @Superbone , @dakinemaui , @nolesrule , @Move Light Sound Life , @jenmas should get together and write a YNAB book?…
- LoaferDude
- furious_falcon
- 3 wk ago
- 1
- Using YNAB
- Reported - view
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
- 3 mths ago
- Saving & Investing
- 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
- 4 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
- 5 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Need advice with financial planning. @Superbone Thank you. :)
- LoaferDude
- furious_falcon
- 5 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Need advice with financial planning. @WordTenor Got it. Will do that. Thanks for the comprehensive breakdown and explanation. :)
- LoaferDude
- furious_falcon
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- 1
- Saving & Investing
- 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
- 5 mths ago
- 1
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- Saving & Investing
- 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
- 5 mths ago
- 32 replies
- 313
- Saving & Investing
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
- 5 mths ago
- 2
- Credit Cards & 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
- 5 mths ago
- Tips & Tricks
- Reported - view

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