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  1. #61
    Registered User Tinge52's Avatar
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    Starting out pretty late, did some things all wrong, but could be in a worse spot.
    Just got my new job back at the end of July and moved closer with the fiance.
    Basically need to spend a few months paying off the remaining $3,000 or so in credit card debt.
    Then get rolling with indexes..

    That is the plan anyways, feel free to rip it about and make suggestions for me to look into.
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  2. #62
    Registered User jwtiger69's Avatar
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    Government worker with a pension

    Investing in a 457/457 roth (self funded)

    Brokerage account invested in ETFs (just started)

    My current investment choices with our state sponsored 401k options sucks. But recently I found out I can move that over with an RCPA program through Charles Swab. So now I am deciding if I am going all in on VT or just go in one of Swabs target date funds... Not sure what to do at the moment? I started the process for this and need to make my decision.
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  3. #63
    Trancebrah _zman's Avatar
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    Originally Posted by Destor View Post
    Would be interesting to do this and analyze the numbers


    I bet there would be a lot of frugal/disciplined high net worth people who are consuming less than lower earners, so you'd need to wonder which groups it would benefit and which it would punish
    Potentially it can hurt low income earners more if the tax rate is the same for them as it is for high income earners.

    This is an interesting discussion on it:
    https://www.brookings.edu/on-the-rec...nsumption-tax/

    But in theory, I think any negative connotation should be taxed. Cigarettes, junk food, alcohol, carbon emissions, should all be taxed at an additional rate. I believe in rewarding good behavior and fines for bad behavior that we can all handle if we choose to continue down that path. If we want to increase savings and reduce unnecessary consumption of limited resources, then I think it's a path in the right direction.

    Most likely a lot of tax jobs would be eliminated, those with money who can figure out tax loopholes no longer can, and corporations would get pretty upset without their deductions. Non-profits would also most likely suffer without that deduction. But all that could be adjusted as well. I doubt I'll see anything that makes sense implemented in my life-time though.
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  4. #64
    Registered Abuser chino3's Avatar
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    Originally Posted by _zman View Post
    Potentially it can hurt low income earners more if the tax rate is the same for them as it is for high income earners..
    how on earth would a flat tax rate hurt low income earners?

    Originally Posted by _zman View Post
    But in theory, I think any negative connotation should be taxed. Cigarettes, junk food, alcohol, carbon emissions, should all be taxed at an additional rate. I believe in rewarding good behavior and fines for bad behavior that we can all handle if we choose to continue down that path.
    wow lol. Good luck with your authoritarian goals of 2021, comrade.
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  5. #65
    Trancebrah _zman's Avatar
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    Originally Posted by chino3 View Post
    how on earth would a flat tax rate hurt low income earners?



    wow lol. Good luck with your authoritarian goals of 2021, comrade.
    Well you could read the article for starters. It's not my opinion.

    My opinion - I don't think there's anything more authoritarian than going to jail if you don't pay income tax, and taxpayers pay for you to live incarcerated, but it's an interesting perspective you have there. I prefer taxes where people have a choice on taxes.

    I also don't want to derail a perfectly good thread.
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  6. #66
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    Thumbs up

    This is my current stack - feel free to critique. These are annual numbers.

    $19,500 - traditional 401k
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    About $40k per year. I'm planning to ramp these numbers up significantly once I get out of debt.

    Thinking of adding a backdoor Roth and/or an HSA for tax diversification - thoughts?

    I also contribute $600/yr each to two 529 plans for my nephews.
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  7. #67
    Registered User Cartiac's Avatar
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    Originally Posted by SouthDakotaBrah View Post
    We really could benefit from some government program that forces idiots to invest their money rather than spending it on dumb chit
    The last thing we need in America is more government control over what private companies and citizens are allowed to do with their money.
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  8. #68
    Registered User Cartiac's Avatar
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    Originally Posted by chino3 View Post
    how on earth would a flat tax rate hurt low income earners?
    Because our "tax" system has been bastardized into a welfare system for a large percentage of people. Mitt Romney put the number at 47%. So a true flat tax of even 1% would require those people to actually pay tax and no longer receive that profit accounting for a significant portion of their income from tax credits.
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  9. #69
    Registered User Gringo12's Avatar
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    Originally Posted by chino3 View Post
    Yes, but on average, Straya's income tax rate is 50% higher.

    Also, you must have some legit deductions, as the income tax rate for your bracket would be 37%, which would be $50k in taxes on the low end of your info.
    I looked up australias tax calculator and that said its about 29% and then I went and checked my last pay check of the financial year and that was 30% tax so your info is wrong
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  10. #70
    Registered Abuser chino3's Avatar
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    Originally Posted by Gringo12 View Post
    I looked up australias tax calculator and that said its about 29% and then I went and checked my last pay check of the financial year and that was 30% tax so your info is wrong
    https://www.superguide.com.au/how-su...2021_residents

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  11. #71
    Registered User Romancoholic's Avatar
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  12. #72
    BB.com Iron Account Ayz33's Avatar
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    Srs question. How many of you have a financial advisor/CPA/ or maybe even some type of lawyer on call? I'm somewhat educated on finances but id rather just have an advisor give me the info and essentially guide my decisions since its what they do for a living. I'd like to just dump my money in a Vanguard account or something and let them do the work and make the minute decisions.

    Is it just some sort of relationship where you tell them how much risk you're willing to accept and they just take it from there? I assume the long term-retirement accounts are higher risk and the mid-term (house/college acct) are lower risk. Do you all have separate accounts for separate purposes?

    Thanks boyos
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  13. #73
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  14. #74
    Trancebrah _zman's Avatar
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    Originally Posted by Ayz33 View Post
    Srs question. How many of you have a financial advisor/CPA/ or maybe even some type of lawyer on call? I'm somewhat educated on finances but id rather just have an advisor give me the info and essentially guide my decisions since its what they do for a living. I'd like to just dump my money in a Vanguard account or something and let them do the work and make the minute decisions.

    Is it just some sort of relationship where you tell them how much risk you're willing to accept and they just take it from there? I assume the long term-retirement accounts are higher risk and the mid-term (house/college acct) are lower risk. Do you all have separate accounts for separate purposes?

    Thanks boyos
    I've had a financial advisor starting out, but I didn't really have enough money for him to give a chit about what I was doing. I told him my risk tolerance and we chose a Tech fund due to high risk tolerance. He took care of everything based on my risk and what I wanted. He straight up told me the clients he manages and the amount he's managing for them and I was 5-10% of those assets. So obviously I'm not worth his time, at the time. Although I'm at the level of his avg clients now, I had already moved the money to my own management. Vanguard does offer management for a low fee, which I'm considering: https://investor.vanguard.com/advice/financial-advisor/
    Last edited by _zman; 03-15-2021 at 06:09 AM.
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  15. #75
    Registered User RyanJLuu's Avatar
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    No one looking into whole life insurance? Seems promising.

    You essentially put into your life insurance and you can pull that money back out as a loan with low interests rate to be invested into real estate or stocks, at the same time the funds you originally put into the account is growing. In addition you also have a death benefit. Right now, my life insurance agent is showing me the numbers and the interests is 2.75%.
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  16. #76
    Retired at 42 wave_length's Avatar
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    Originally Posted by MiscMathematician View Post
    1. Interested in how individuals (with real plans) are trying to save/invest relatively safely, aside from pension/SS.

    2. How much, relative to your income, do you expect to have when you retire (not asking for dollar amounts, but percentage of income vs cost of living)?

    3. And when will you retire? 20 years? 30 years?
    1. Everything above what I spent went into real estate, ETFs, and some Crypto. Canceled all pension plans long ago, once I discovered their terrible rate of return. Only kept the government pension which I can't cancel, but stopped payments.

    2. Not really relevant, I just calculated what I need for a family and the lifestyle I want. The percentage is probably around 10% of what i made in the end.

    3. Six years ago.
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  17. #77
    Retired at 42 wave_length's Avatar
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    Originally Posted by Ayz33 View Post
    Srs question. How many of you have a financial advisor/CPA/ or maybe even some type of lawyer on call? I'm somewhat educated on finances but id rather just have an advisor give me the info and essentially guide my decisions since its what they do for a living. I'd like to just dump my money in a Vanguard account or something and let them do the work and make the minute decisions.

    Is it just some sort of relationship where you tell them how much risk you're willing to accept and they just take it from there? I assume the long term-retirement accounts are higher risk and the mid-term (house/college acct) are lower risk. Do you all have separate accounts for separate purposes?

    Thanks boyos
    Not a financial advisor, but a tax consultant and a lawer. I still do my own taxes though.

    I tried a few financial advisors but they were all terrible, without any scientific background, basically pushing products. If at all, you need one that is scientifically educated, works on an hourly basis, and doesn't take any commissions.

    Yes, separate accounts, also for insurance reasons.
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  18. #78
    Registered User Cartiac's Avatar
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    Originally Posted by RyanJLuu View Post
    No one looking into whole life insurance? Seems promising.

    You essentially put into your life insurance and you can pull that money back out as a loan with low interests rate to be invested into real estate or stocks, at the same time the funds you originally put into the account is growing. In addition you also have a death benefit. Right now, my life insurance agent is showing me the numbers and the interests is 2.75%.
    It is not discussed because insurance is not an effective form of investment for most people for many reasons. Do you even need insurance? Someone trying to sell one product disguised as another should immediately raise red flags as most likely both products suck.

    I have heard this insurance as an investment pitch and it is a predatory scam filled with dishonesty. Just the act of trying to sell insurance to someone that has no dependents therefore no need for life insurance is unethical. Adding in the push that I will somehow actually make money buying this product I don't need is just disgusting. It is like offering me a 2.75% return on my monthly subscription purchase of tampons with free shipping without telling me there is a monthly 1% handling fee and yearly 5% administration fee to maintain the account.
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  19. #79
    Pattaya Dan916's Avatar
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    Currently I want to retire in Thailand around age 55. Will be hard to do but I am saving around $20-30k per year right now in my mid 30s, keeping 75% of my savings in the stock market, rest in bank.

    The cost of living over there depends on many factors. Alcohol, ladies, and level of comfort are the 3 main factors. Can live in Thailand for $500 per month or $5000.
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    Optimizing my stack

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