Understanding vesting is important, but predicting the tax rates a decade or more out from retirement is an exercise in futility. Especially since your 401k income may vary from year to year as your expense vary.

You’re right --the links on this site (to Kinja, Amazon, etc.) are probably the source of most of my impulse purchases. Solution -- don’t read this and its related sites this month and see how much you save.

Name one economist.

So you put out right at the front that nobody worth listening to expects an economic downturn in the next year, but you’re still running an article with advice on what to do on the eve of a downturn with a picture of Trump under giant red numbers?

When it comes time to buy land, seeds, and shotguns do you promise to let us know? 

my clients have not reduced the amount withheld, what makes you think that? They got a raise already this year when Trump implemented the new code. the return may not be as big as last year, but you got the money over the 12 months.

You live in a country where the top 25% of filers provide 86% of federal income tax revenue. You live in a country where the top 50% of filers provide 97% of federal income tax revenue. You already live in a country where half the population pays literally or virtually nothing as far as federal income taxes are…

With just the standard deduction nobody making less than $12,200 is paying income tax.

IDK where you live, but in Michigan, $79k is a respectable wage. It’s certainly enough to purchase a $150K house (which would be a pretty nice house around these parts), lease a couple of new vehicles or purchase something a few years old, and still have plenty of money left for bills and savings. You make it sound…

More likely that people that already have a valid ID in their pocket choose to bitch about yet another thing...

You need an ID for everything. What’s the big deal? My state requires ID for, like, ever. It doesn’t prevent anyone from voting.

The Kavanaugh allegations are pure cynical politics deserving of zero attention. The Democrats pulled this out of their butts as a last ditch smear against a thoroughly boring nominee.

From the article:

I’m legally (not really) obligated to say this as a government employee:

It’s because IRAs (and 401k accounts, too) were never intended to be the primary vehicle for retirement income. It’s become that way through crappy legislation and employers cutting and cutting back on benefits. There’s no benefit to Congress to increase the contribution limits, so it’s never gonna happen. 

There are valid points on both sides of this debate (flame suit on)

The thing is...the individual tax cuts are all temporary and sunset over the course of the next 10 years.  I’m not particularly interested in jumping through withholding hoops every year just to wind up exactly where I was to begin with.  If I have to pay a few extra hundred next year, it’s not going to kill me--and…

I know some personal finance people hate this but I just say screw it and leave my withholdings at 0. Yeah I might be giving the government an interest free loan but I don’t get that large of a return anyways and it’s nicer not having to worry about a tax bill at the end of the day. Plus it makes me live on a budget…

I have double checked my withholding at least 3 times since the tax law change and I should be in good shape come tax time. The thing is that the increase in my net pay was significant enough that I still keep second guessing it. Anybody else in that boat?

It’s almost as if the vast majority of people view automobiles as appliances...