Why choose Roth 401k over After-tax with Roth conversion? My 401k plan offers before-tax, Roth, and after-tax contributions. My employer will match any of these three contribution types, and the after-tax contributions can be immediately converted into Roth (mega backdoor roth – MBDR). The IRS limits in 2025 are $23.5k for combined before-tax and Roth, and $70k total including after-tax. Ignoring the b…

My MIL just got named a 50% beneficiary in her neighbor’s, neighbor’s will. Bear with me. MIL(65) lives in a single home with her husband(60). Husband owns that home outright. Their neighbor on the left (Bob) is just Bob. He’s 60-something, keeps to himself, likes his garden. Bob lives alone. They are friendly with Bob. Bob has a neighbor on his left, Mary. Mary is mid80s. She’s still with it, somewhat getting around bu…

Maxing out 401k during maternity leave My wife is due soon, and there is a good chance she is quitting after her 12 weeks of maternity leave to raise our kids. I think we should try and max out the 401k before she quits. She is hesitant to do so. She dislikes the idea that the money is locked up for retirement and would rather have that money in savings or something more liquid. W…

Want to move out but my mother cannot afford living on her own I (28m) want to move out with my brother (24m) into an apartment together. We can afford a 2 bedroom apartment even though would be more expensive than our current living situation. But being 28, I’m reaching a point where I can hardly stand living with my mother anymore. She is a great mom and always has been, but I find myself getting very fru…

WordPress.com Launches Studio Sync Local Development via @sejournal, @martinibuster Automattic’s WordPress hosting platform integrates open source Studio desktop development environment The post WordPress.com Launches Studio Sync Local Development appeared first on Search Engine Journal.

IRS IP PINs for 2025 are available now The tool is now showing my PIN for 2025 after I log in. Woot! Get it today to protect your tax return for 2024 (and any years that you file in this calendar year). https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin Important information about IP PINs An IP PIN is valid for one calendar year. A new IP PIN is generate…

$30k bonus – How would you invest it for your child? Here are the parameters: $30k before taxes Kiddo is 3 years old Long term investment, I don’t want to have to fiddle with it too much Looking for max compound interest and appreciation The whole lump sum What would you do? submitted by /u/AmbitiousArtichoke65

Study: 47% Find Search Terms Irrelevant During Product Research via @sejournal, @MattGSouthern Study reveals consumers increasingly abandon traditional search for Reddit recommendations, citing frustration with irrelevant results. The post Study: 47% Find Search Terms Irrelevant During Product Research appeared first on Search Engine Journal.

My experience with Dow Janes MDY/WBA I spent one year and $12,000 going through the Dow Janes Million Dollar Year and Wealth Building Accelerator. So, was it worth it? DEFINITELY NOT. I was at a very vulnerable time in my life… my mother had just passed away and left me with a small inheritance. I’ve had a very poor relationship with money my whole life and I wanted to take a cou…

Just got my first rent stabilized housing lottery win in NYC and wondering if it’s worth moving long term/financially. I just won a housing lottery in Astoria and i’m wondering if it’s worth moving based on my details Housing Lottery 1 BR Housing Lottery Rate: $2,600 Market Rate: $4,000 In unit laundry, rooftop access, gym, parking, allow pets and a bunch of other amenities but will likely be an extra cost on top of the rent. Hot Water included About me I’m s…

Should I pause my 401k contributions to pay off CC debt? Hey everyone, I’m 25 years old and make about $48,000/year. I racked up $6,500 of credit card debt over the course of about 4 years and finally started to take action about 10 months ago. I started really budgeting, got rid of unnecessary subscriptions, stopped eating out entirely, and controlled impulse spending. I froze then hid all of my cred…

Any drawbacks to using credit card for all purchases if I pay it off in full every month? My bank gives pretty good credit rewards for using my card and paying in full every month. Last year I got around $600 in free money doing this. What I am wondering is if there are any possible drawbacks to my credit score or something else I am not realizing. I basically use my bank issued credit card as my debit card and never purchase anythi…

Financial Planning to retire in early 50’s 41 M here with a similarly-aged partner and a kid in the US. Started saving in earnest around 8 years back primarily in HYSAs but was slow in contributing to 401k and brokerage accounts till about 5 years back. Annual household income of around 300k (before taxes). Current savings and investments: 350k combined in mine and partner’s 401k accoun…

My advisor is suggesting I move my IRA to an annuity a SCS with upside protection I’m a 35-year-old female stay-at-home mom (SHM). I’ve rolled over all of my 401(k)s from previous employers into an IRA with my FA. My husband, 37, continues to work and earns about $70k per year. He also has a 401(k) from his employer and a pension. We own one rental property that generates about $20k in profit annually. The IRA I’m currently i…

If your credit score is low because of medical bills, CFPB rule should help soon The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. submitted by /u/redeyeblink

When can I stop and move to the woods? I am burnt out on everything. I don’t know what resources would be the best place to start my learning process. 34, ~150k salary (110base plus bonus) Expenses- under 1k/monthly including rent No debt *77k hysa due to possibly buying a house soon *19k in an old mutual fund I was gifted 30 yrs ago. I should move I’m assuming? *21k 401k/roth (just …

Google Search Console Adds Hourly Data Export To 24-Hour View via @sejournal, @MattGSouthern Google Search Console adds hourly export to 24-hour view, offering faster, actionable performance insights with reduced data delays. The post Google Search Console Adds Hourly Data Export To 24-Hour View appeared first on Search Engine Journal.

2025 Predictions And 2024 Review: 10 Trends Marketers Need To Know For 2025 via @sejournal, @Kevin_Indig Unlock the future of marketing with 2025 predictions. Get a comprehensive review of the previous year’s trends and stay informed in this week’s Growth Memo. The post 2025 Predictions And 2024 Review: 10 Trends Marketers Need To Know For 2025 appeared first on Search Engine Journal.

Very very small 401k check after being let go. What do I do with it? I was let go in February of last year and didn’t realize until like two weeks ago there was a small 401k check from a mistake I made at the beginning of my employment. I have a Roth account and didn’t want this, so I cancelled and forgot about it. I moved around a bit and this check was floating around and it finally got to me by an email notice…

How To Create Effective Global Websites For Local Audiences via @sejournal, @motokohunt Find out how to create effective global websites that drive business growth. Learn from successful global businesses and implement best practices for localization. The post How To Create Effective Global Websites For Local Audiences appeared first on Search Engine Journal.