Your fascination with my dick could be the reason you’re #foreveralone.
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At 20 years old, everyday is a good day to drop coin in. I wish I had a Roth at 20.
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History says NO.
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Absolutely. I am always talking to the newer people at work about how important it is to always contribute to our TSP. A lot of them don't realize how quickly it can build if you put a few % more than the match.
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My company match blows. Only bad part about my job and benefits. I put in 12% of my own income to bring my tax bracket down though. Crazy how many people pass up free money in the company match.
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I worked with someone who got the company match into her SIMPLE IRA, but never bought anything with it. It was just cash. After over a decade. I wanted to strangle her.
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IQ taking off.
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The Fed says it is going to start buying individual corporate bonds

Unprecedented.
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If this gravy train ever stops, watch out.
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Does your company offer a Roth 401k?

Are you maxing out your Roth IRA?
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They do but I have my own ROTH IRA that I started in college. I contribute to it myself and have maxed it the last 3 years.
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What's your match?
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1% on 4%, nothing over that. Lame.
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Okay so you have the Roth IRA maxed, awesome!!!

Now, change your 401k contributions to the following:

Pre-tax contribution to only the amount you have to have to get the full company match. Nothing more!! NOTHING MORE! If they only match up to 4% then you contribute no more than 4%

Put the rest of what you want to contribute in the Roth 401k. Yes, yes, I know, you don't get the tax deductions. BOO to the ****ing HOO!!! Woe is me, I had to pay taxes, wha, wha, wha.

Big ****ing deal. Put it in your Roth 401k. There are several advantages to this:

1. If for some reason you HAD to have the money before you retire you can get back up to the amount you put in (your capital) with no penalites or taxes.

2. If you hold it until you retire you pull out of it 100% tax free. No figuring that if you want $1k you might have to pull out $1.3 k because of taxes.

3. Most likely taxes will be higher than they are now when you retire


ROTHs are the ****ing awesome. I only put into pre-tax what I have to in my 403b because our company only matches pre-tax contributions. The rest goes into the ROTH.
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