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WantToRetireSomeday commented on
Posted by
3 points · 1 hour ago

Very often, shady creditors will call the next of kin and try to get them to pay the deceased’s debt. My father died penniless with some hefty medical debt. I was called daily for months. At first they started with ‘don’t you want to do what’s right’ but very quickly pivoted to ‘you owe us this.’

Every time I simply gave them my fathers new address at the local national cemetery, plot number and all.

WantToRetireSomeday commented on
Posted by
1 point · 1 hour ago

NewRetirement has a forecasting tool. It uses an optimistic, average, and pessimistic rate of return and inflation to model future value. You can input income, model windfalls (bonuses / inheritances, etc), Roth ladders, and budget (current and future). It isn’t perfect, but it’s pretty cool to look at.

WantToRetireSomeday commented on
Posted by
Op1 point · 5 hours ago

That was actually what I wanted to know, if the automatic contributions would still be taken out or not after hitting the max

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1 point · 1 hour ago

You need to ask your HR if they have a true up policy.

If not maximum allowable contribution/ number of paychecks. This ensures you get the maximum amount of company matching funds.

If they do, you can deposit any amount OVER the minimum per check needed to hit the max (for example, you could theoretically put in $5k per month for 4 months, then wait until December to make the last $500 contribution. Near the end of Dec your company would make a large ‘catch up’ or ‘true up’ contribution.

WantToRetireSomeday commented on
Posted by
19 points · 3 hours ago · edited 2 hours ago

You signed a contract to purchase the property for a set price. If the value of the asset decreases, you still owe what you agreed to pay.

You could let it go into foreclosure, and kill your credit for 7-10 years. You could also work with the mortgage serviced to short sale the property, again dinging your credit pretty hard.

Otherwise, keep paying and watch the value come back up over time.

WantToRetireSomeday commented on
Posted by
1 point · 16 hours ago

Where do you live? If it’s work-related then you might be entitled to workers comp

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0 points · 16 hours ago

Absolutely.

WantToRetireSomeday commented on
Posted by
11 points · 16 hours ago

I have had luck negotiating payout for totaled vehicles in the past. Get the local Volvo dealership to generate a quote for a used comparable vehicle for you and send it to your adjuster. Tell them you won’t accept less than that amount. Be sure they include all the options you had in yours.

WantToRetireSomeday commented on
Posted by
2 points · 17 hours ago

What was between the plastic and metal? An NFC antenna coil thingy?

WantToRetireSomeday commented on
Posted by
18 points · 17 hours ago

$6k for a water heater 😳

Please shop around. That’s about 6x more than it should be.

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WantToRetireSomeday

u/WantToRetireSomeday · 7y
-50k Net worth @ 35 years old Considering early retirement in 2026 (at 52) Account Types: Taxable Investment; Roth IRA; Rollover IRA; Futures & Options, Yieldstreet, HSA, 401(k)
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