I was just going to say that. The food bank I support will gladly accept all food donations, but have showed just how much less they pay for food. They pay on average about 10 cents per pound of food while the same pound of food at the grocery store averages between $1-$2.

I got the prepaid legal at my work specifically for creating a will. At $165/year, it is cheaper than paying an attorney for that purpose.

You are correct that you are unable to rollover again within a 12 month period, but you are able to roll it into a Roth after 12 months.

The reason I stick with Google phones is the security and OS updated. I understand that Samsung has got better at releasing the updates, but they still focus on newer phones and leave older and budget phones behind.

I’m lucky that I have fiber to the house. The upload has always been faster than the download. 

I feel that the 3x idea is an older idea that doesn’t take into account the current interest rates. If you budget 30% of your gross on housing in that scenario and putting 20% down, you could get a $425,000 house for $1875. This includes just under $500/month for escrow.

If you are using a cash out refinance on something other than home improvements, your mortgage interest will not be tax deductible.

My coverage through my employer cost a quarter of what a 15 year term policy would cost best case.

One question for, what happens if something major happens and you don’t have the cash to cover it? Plenty of people don’t have $10,000 handy to pay for medical.

When the benefits outweigh the annual fee. Simple Chase math, the freedom unlimited is free and gives 1.5% cash back, the Chase sapphire preferred (CSP) gives you 2% back at restaurants and travel along with a 1.25 multiplier when redeemed on travel for 2.5% total cash back. The CSP has a $95 fee, the freedom has 0.

On my recent refi, the things that scaled with costs were recording fees (set by the county) and title insurance. If you take them, points are also expressed normally as a percentage of the loan.

We installed a soffit outlet for about $150 from a licensed electrician to do string lights around our pool.

I love the HSA and try and talk all the young people at my office into one.

On the raising your deductible portion, If you have a loan or lease on your car, verify that the lien holder allows higher deductibles.

I signed the papers recently on a refi. 2.625% with about 1% lender credit that just about cover closing costs.

It depends on the plan. The 401k at my last small company sucked. While they didn’t have account fees, the expense ratio of the very limited subset of funds hovered around 2%.

What plan were you on?

If you do married filling separately, they count each person separately.

You didn’t imagine it. The early distribution is allowed. You are also allowed to pay back that early distribution within 3 years and get back the tax on the withdrawn money, which is what I believe this article is talking about.

When I bought my first house, I opted for a pre-qualification letter as opposed to a pre-approval letter. Sellers were ok with it. Note that I only had to do a soft pull for a pre-qual letter vs a hard pull for a pre-approval.