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Re: What to do with large inheritance based on our situation? @Annieland I can totally relate to that. Money is absolutely what has kept me from having a 2nd child. It's not money exactly . . it's time. All of the time that money can bring.…
- Ivory Storm
- Ivory_Storm.3
- 8 days ago
- 2
- Saving & Investing
- Reported - view
Re: What to do with large inheritance based on our situation? @Silver Guitar you might enjoy reading The Simple Path to Wealth. It was very eye opening . . and motivating. When he says simple, he means simple. Very,…
- Ivory Storm
- Ivory_Storm.3
- 8 days ago
- 2
- Saving & Investing
- Reported - view
Re: Kids Savings Accounts @Forest Green Commander I went around and around and there are a few pieces of info about 529 that swayed me. Just sharing for the facts, I definitely don't have any stakes in how someone approaches…
- Ivory Storm
- Ivory_Storm.3
- 8 days ago
- Using YNAB
- Reported - view
Re: What to do with large inheritance based on our situation? The working-single-parent in me is breathing that deep exhale that you have childcare expenses covered like this. What an amazing gift and a way for your wife's grandmother to keep being present to…
- Ivory Storm
- Ivory_Storm.3
- 9 days ago
- 2
- Saving & Investing
- Reported - view
Re: Kids Savings Accounts Following because I have the same question, but for 1 kid. I am feeling motivated to increase my retirement savings by 'allocating' it to different categories.…
- Ivory Storm
- Ivory_Storm.3
- 10 days ago
- Using YNAB
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) @labrucebee a mediator = investment in your futures and in your child's future. I think you both have to learn new skills anyhow, when there's a child, nobody can truly walk away,…
- Ivory Storm
- Ivory_Storm.3
- 4 wk ago
- 3
- Money & Relationships
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) Y'all are all saying don't let her bully you, but 40% of the equity minus the down payment is perhaps not even that far from 20K, which the ex offered.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 1
- Money & Relationships
- Reported - view
Re: A milestone and renewed optimism I love these inspirational threads :) I had a win which was - I saved money in a category for federal taxes that hadn't been withheld from my paycheck. I just did my taxes and indeed owed money.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 3
- YNAB Wins
- Reported - view
Re: Emergency Fund in Tracking? @Annieland that is hilarious & I would love to see it.
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) @labrucebee In your shoes I'd accept less than half of what the house is currently worth, but how much less is the question. Half of 575K is a lot especially since that represents a meaningful…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 1
- Money & Relationships
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) Is she concerned that she would have to move out of the house if you used the appraisal value? What is her root concern do you think, is it about money or is it about continuity in housing?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Money & Relationships
- Reported - view
Re: college savings & Roth @Matthew yup that is highly relevant! I read allll the pages on my employer's website and you are correct, I can't withdraw before 59.5 years old unless I leave my employer . . .…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Parenting
- Reported - view
Re: college savings & Roth @nolesrule this is where I get mixed up, at what point is retirement funding "secured"? If I am contributing 20% of my income to retirement and will retire at the usual age with a house paid off,…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Parenting
- Reported - view
Re: college savings & Roth @nolesrule why wouldn't you?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Parenting
- Reported - view
Re: college savings & Roth @nolesrule you didn't do a 529 at all? Are your accounts UTMA accounts or just regular investment accounts?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Parenting
- Reported - view
Re: college savings & Roth @Matthew I've read a lot so far and don't see what you mean by the very in boldface. I'll contact HR and make sure everything is copacetic.
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Parenting
- Reported - view
Re: Next month holding or budget it into next month @nolesrule does this suggest that lots of WAMing undermines that kind of mental cohesion? Most all of my income is in one single paycheck, with small reimbursements & interest income,…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Using YNAB
- Reported - view
Re: Next month holding or budget it into next month @nolesrule that is really interesting. Can you say more on the mentality shift?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Using YNAB
- Reported - view
college savings & Roth
Hi, a question about tracking and accounts. After a year of YNAB & paying off my debt, I chose to increase my retirement savings; it was always at 15% but now it's about 18% of my income.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 10 replies
- 51
- Parenting
Re: Splitting up all "home" budget categories @Sea Green Android That would go under Home Maintenance for me. If I hired someone to help in the garden that would go under Trees & Garden & Outdoors.
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Setting Up Your Budget
- Reported - view
Re: Splitting up all "home" budget categories Household , Furniture, Sprucing --detergents, sheets & towels, bathmats, pots and pans etc Home maintenance - small ordinary repairs, furnace tune up, handyperson installing new lights Renovations -…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Setting Up Your Budget
- Reported - view
Re: Which path should I be taking? @jmorse that's basically what I'm doing. I have a small 3K emergency fund, and I just cleared my debt, so now I'm "snowballing" my EFs - filling up the smallest one (med deductible),…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Which path should I be taking? @jmorse I learned from the ynab community not to have "an emergency fund" but different funds for different expenses, for instance an "income replacement" fund, an auto repair fund, home repair fund,…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: "Reconciliation Balance Adjustments" required regularly" I had one reconciliation adjustment in the 2nd month of using YNAB & never since then. I reconcile every time I check my bank account, every other day. Manual entry of all transactions though.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 2
- Using YNAB
- Reported - view
Re: Pay off car or one month ahead? I would get a full month ahead. I am noticing how smoothing out all of the dips and valleys of my financial life is giving me a lot of insight into how I spend money, my patterns and so on.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 7
- Dealing with Debt
- Reported - view

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