Deferred Comp (AZ) Rate of Return strategies? Hello, all I started my employers Deferred Comp plan in June 2019 and like a big time dummy placed my initial contributions into a target 2060 retirement plan. The fees were astronomical and I saw 12.8% growth that year. I learned a little in the last few years, and I saw 24.9% (1 yr rate of return growth) from from 2023-2024 and similarly from …

Sell or hold ESPP stocks? My company has a pretty good employee stock plan. I am able to buy stock at a 15% discount based off a 2 year look back period. So basically, 15% off the lowest it’s been during that 2 year period. The next purchase is in March and I’m looking at 15% off a stock purchase price that is already $20 lower than the trading price. I’m in technology…

Prioritizing Debt/Savings. I currently have $7600 in savings, owe $5600 on my car ($350/mo) and $6k in credit card debt. I make about $85k a year. I am dying to get my car paid off since it would free up $350/mo. I used to always focus on CC debt but then I realized my savings suffered greatly because of that and every time an unexpected expense came up I would uave to p…

Lowering insurance premium a good idea? I started paying my VUL since pandemic. Quarterly paying premiums. I have read some comments/articles about forfeiting their VUL and going for traditional insurance. The money saved from choosing traditional instead of VUL should invest to other financial instruments. Is it a good idea to lower/stop my VUL to have more investments. Please enlig…

Taking a new job – Not sure how to structure 401k & Roth I’m (M29) taking a new job at a firm that is a slight base salary pay cut to what I’m currently making, and it’s a fairly noticeable cut when comparing bonuses. For context – base now is $103k, new is $90k. Total comp in 2024 was $114k, new will be ~$100k. Why I took the new job with a pay cut and all that is not relevant. Work-life balance mat…

How would you handle retirement/investing without kids or family? So I’m 35 make 110k per year combined income. Bills are about 35% of that annually. My job is a gov job that I started 3.5yrs ago I have a pension through them. I have a 401k I contribute about 8% to that has maybe 30k in it in these 3.5yrs I’ve been with the company. My wife is a educator she has a state pension and she has a 401k with maybe …

I think I finally understand Backdoor Roth IRA and why everyone seems to constantly say you need to do it. Please anyone feel free to correct me! I (36M) am making this post as it has been hard to find things that aligned with my thoughts. I have spent a while trying to figure out if doing a backdoor roth is even worth it compared to dumping it in my normal brokerage account and it hadn’t really seemed worth it. I finally had the epiphany last night…

Planning for giving money and assets away I’m looking for advice on an easy way to plan my retirement fund. I have $22 million in escrow that I use to live on. My main interest is in giving this to people I care about and trust, but without making it a burden for them to care for am the assets I leave in their name. I’m looking for a general strategy. If it helps: $22 million is in esc…

Gemini & Virgo: Mercury Making Moves In March & April 2025 Many Gemini and Virgo people are on their last nerve with all the planets in Pisces. This post is for them! Mercury is currently in Pisces, sandwiched between Saturn and Neptune in the sign. I don’t know many Mercury-ruled people who enjoy their brains soaking in emotion. That trick where your thoughts appear and reappear Source

Shack Man- Meandering Pisces Mars Catch up here – Shack Man Chapter Seven – Meandering Pisces Mars I didn’t go out to the shack right away.  I was calm but, Kay, was anxious. “When are you going to see the shack?” “I don’t know. Whenever he takes me, I guess.” “I hope it’s soon. Want to borrow some of my man’s Source

Shack Man – Love Shack, Baby, Love Shack! Catch up here – Shack Man Chapter 9 – Love Shack, Baby, Love Shack! Friday came. By now, I could see, Shack Man was utterly competent. I put myself in his hands, entirely. Rather than a quick dinner and run out there, we took the the long scenic route, stopping for an elaborate dinner on the Source

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Harbor Freight Stores: 25% Off U.S. General Roller Cabinets: 27″ Roll Cab $300 (In-Store Only) Harbor Freight is having a 1 Day Flash Sale on the US General Roller cabinets. They are 25% OFF on Wednesday Feb. 26, 2025, One Day Only, IN-STORE ONLY. …