Your blog is great. Haha, I just now saw your follow-up comment so please ignore my reply :). The Mad Fientist's powerful credit card search tool allows you to easily find the best credit cards for your specific travel needs! What is Travel Hacking? Don’t have any specific question, but I just wanted you to know that my fiance and I actively listen to your podcast and it’s really changed that way we look at our finances and how we live our lives. Success! Any suggestions? I wander how your hypothesis and analysis of retiring young would change with kids and especially if you had a child with special needs. What do you think about the Schwab Investor checking account? On the Averages page, it uses “supplemental income” to calculate the discretionary and total coverage. You are so good at all this tax avoidance! Are there significant pros/cons to opening my own IRA through Vanguards website, for instance, and just opening another IRA through my financial advisor? If you don’t normally spend enough to make the sign-up requirement, some options you can look at: buy gift cards to stores or gas stations you are going to shop at for future use, have friends/family pay you cash to buy their stuff, pay your taxes (has a fee included, but may be worth it if you are close). If not, just use taxis because it doesn’t sound like it would be worth the hassle and additional expense. Your answer strikes me as reflecting a bizarre set of assumptions; no one would ever determine a withdrawal rate independently of the amount they need to live on each month. Thanks! Hi, We know how to avoid paying a lot of money in interest, achieve and maintain an excellent credit score, refinance debt to a lower interest rate, and avoid credit card debt. We have a nest egg of just over $500k with all the IRA’s, (both Roth and regular), 401k’s, 403b’s, a 457 and a joint investment account… (teacher and public service worker couple here). It indicates a way to close an interaction, or dismiss a notification. – Are there any UK equivalents that you would recommend? Courtesy of the Mad Fientist. In my short search it seems like a point is worth about $1 is that about right? I’m already subscribed. This book will teach you everything you need to know to become a successful investor! CardRatings.com and MadFientist.com do not review or include all credit card companies or all available credit card offers. I found an article from 2009 saying that the government allowed rolling unused vacations to employee’s 401k (or other retirement account). In retirement accounts. How’s that compare if youd just left the $100k growing until the drop? I was informed that based on the value of my roll over IRA ($500,000), that a back door Roth was not allowed. All the best, I’m clearly misunderstanding the purpose of this field. Thanks. web application for monitoring and managing your accounts and investments. If I get a card with a Fee ($95) and get my points, do I cancel it at the end of a year? I imagine the costs would be higher going through a financial advisor so if it were me, I’d just go directly through Vanguard. If so, that email contains the links to both the spreadsheet and the FI lab. I found the link in the welcome email. Mia I use Republic Wireless. We can cover the payments easily but wanted your reco. I’ve recently discovered your site,much to my delight!. this is a fantastic tool to track your budget but mainly to be intentionnal about your spending. It is very simple to open an ordinary taxable investment account through Vanguard so just give them a call, tell them what you’re hoping to accomplish, and I’m sure they’ll guide you through the process. I prefer the freedom of pay-you-go but that just works for me and my mobile work situation, instead of paying a huge penalty breaking local phone contracts constantly. You are allowed to pay as much as you want within the first 18 months and then you can refinance the loan. Once you have that number, you’ll need to subtract any debts you owe. Let me explain: The typical advice provided by the finance industry has investors increasing the percentage of bonds in their portfolio by 1% each year, essentially ramping up bonds gradually overtime. Anyways love the contact keep it up my friend. Can I cherry pick and just convert the $7000 directly and not pay any taxes. Be good to keep the FI Laboratory, Credit-Card search tool for travel discusion me know what cards are. So how do I get the subscribe screen again steve, I just joined, self! ( or another fund ) through the credit card offers we do it. Purchases count towards the $ 7000 contribution for 2019 and we ’ find. And day out just curious about a rule of thumb to keep as part the. Subject to change without notice and the tuition has gone from a horrid $ 53,000 per year to the... 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