“It is my understanding...”
“It is customary...”
“I assume...”

My old BLACKBERRY was able to schedule on/off times.

Agreed. Also, times have changed. It doesn’t make sense to follow your friends to a college/university “just because” or because “it’s a cool school.” All of that went out the window with the 6-8% annualized inflation on education costs in the last 10-15 years. My university’s out of state tuition/room & board has…

+1 for giardiniera (relish version). If you don’t know what giardiniera is, I’m sorry that your area hasn’t discovered this life-changing condiment. Many folks outside of the Chicagoland area have never heard of it.

I also dig putting some hot sauce and a tiny bit of soy sauce.

Yawn. It’s 2018 and people care about how everything is pronounced.

And for the love of god don’t put it on a pretzel bun. You might as well just eat a pretzel. It could be a White Castle patty in there, but you won’t know the difference, because all you taste is pretzel.

You just have to make sure you’re eligible to also contribute to a traditional IRA. There are income phase-outs if you have access to an employer-sponsored plan. If you’re single, the phase-out is between $63K-$73K AGI, and for married filing jointly, $101K-$121K (for 2018).

A great way to save even more is to buy gift cards from a grocery store (i.e., NetFlix, Target, etc), and essentially getting 6% from those stores also. I do that with another card that has rotating quarterly categories, and almost always max out the 5% limit for that quarter when it is the grocery store quarter.

HSA is the best savings vehicle with triple tax benefits - pre-tax money, tax-deferred growth (assuming you invest the account), and tax-free withdrawals for medical expenses. This is the only vehicle out there that works like this.

One caveat with this: Many accountants for the masses are tax preparers and looking backwards on the previous tax year. They aren’t always forward-looking to 10, 20, 30 years down the road. This isn’t a knock against accountants at all. Also, many accountants try to help you pay the least amount in taxes today, which…

Yet another reason why tipping should be banned. Too many gray areas! There should be NO questions about when or how much to tip. It’s ridiculous.

As much as I love jerky, smelling someone else’s turkey jerky the other day on a plane wasn’t very awesome.

For years, my mom has been basting our Thanksgiving turkey with MGD. It’s amazing. I also use that for beer can chicken.

+1 for a taxable/non-retirement brokerage account. It’s good to have different “buckets” of money to pull from in retirement, and even before retirement. If you have different sources, you can control your taxable income in retirement (to an extent), as opposed to having ALL pre-tax 401k/traditional IRA money and/or a…

Yet another reason why tipping needs to be banned. There should NOT be any gray area about this. Employers: pay your employees a living wage. Raise the prices 25% across the board and all of this ballyhoo goes away.

First and foremost:
You can take out a loan for education, but you can’t take loan out for retirement.

South African Smoke grinder from Trader Joe’s. It isn’t always available, but when I see it, I load up. I put it on everything from eggs to pork chops to a few grinds in chili as well. It’s made up of garlic, smoked paprika, salt, and basil. Tasty stuff. I’m sure you can recreate it (I probably should for when I run…

This is wonderful. I’m going to now reimburse myself for the $25 bottle of sunscreen I had to buy in Antigua last year because neither of us remembered to bring any!

Talk to a financial planner about your specific situation. There aren’t enough known variables here for anyone to make a suitable recommendation. There are pros/cons to all options listed here. A bunch of cash tied up in a house can be dangerous if you don’t have sufficient liquid investments/savings. However,…

And if you’re young, you should be getting excited when the market goes down. That’s a good time to put more money in, and buy stocks/funds “on sale.” If you’re young and continually investing each year, you do NOT want the market to go straight up. You WANT volatility. I’m in my 30s and actually looking forward to a…