yenahmik

Great analysis! I do some basic tax efficient placement, but don't overly worry about it. I keep my bond funds in my 401k, tradIRA, and HSA. Stock funds only in my Roth IRA and taxable. I do have some international stocks in my retirement accounts, but I do get a decent amount back in foreign tax credit due to my taxable holdings as well.

Company announced they will be doing mass layoffs soon. They said if anyone wants to volunteer for a retirement package to let them know. If only I was closer to my number...alas maybe next time (assuming I don't get involuntarily cut).

I don't do churning, mainly because I'm lazy. I do use tap to pay with my smartwatch and have to say it is so convenient. I love not having to pull out my wallet and cards to pay. I did have a little snafu when I first started using it. I went on vacation to Canada and the mobile card got incorrectly flagged as fraud, so it kept getting denied. I had to call when I got home and sort it out.

My problem is basically every job opening I see gives less PTO than my current role (5 weeks, plus the company is shutdown the week between Xmas and NYD).

It's open enrollment time here at the company and I was wondering if anyone is familiar with the HSA contribution limits.

Mainly, my spouse and I each are eligible for an individual HSA. However the combined maximum of 2 individual accounts is more than the family limit. My question: is our combined max the family limit or the combo of 2 individual limits? My benefits HR person said it's the individual limits, but I'm skeptical.

Reposting from last week, since I posted late in the week...

What percentage salary increase would it take for you to accept a new job, assuming you are happy with your current job?

What percentage salary increase would you need to change jobs (assuming you like the one you're currently at)?

Context: I was reached out to by a recruiter for a role in my niche industry. It seems exciting, but accounting for the current benefits I have compared with the benefits at the new role, it would only be like a 10% raise at best. That doesn't seem like it would be worth it, but maybe I'm just looking for excuses to avoid change....

Oof. Got news today that a coworker in their 40s passed away this weekend. They worked Friday and died Saturday. If that's not a punch in the face to retire early, I don't know what is. I certainly want to have as much retirement as possible, and not die after slaving away for years without being able to enjoy it.

Just applied for a new job for the first time since a couple of years ago. Here's hoping it works out, since it would pay more, have more PTO, and would give me more retirement accounts to max out (pension, 403b and a 457!). I've been in my current role closing in on a decade. Usually, when I apply for other jobs by the time I get to the interview stages I'm not as interested in leaving. I'll see if that happens this time around or not, since I'm doing this in response to RTO after being WFH for the past 4 years.

Haven't checked my balances this week due to taking an unexpected trip. I'm assuming it's going great.

I've snagged a few deals on CDs but haven't done bonus churning. I feel like having to move my money in and out of various institutions and holding it for the required period is too onerous. I'd rather just shovel any extra funds into investments and forget it.

That's what I'm hoping. My manager has been WFH herself for over 15 years, so I think it shouldn't be a huge issue. Last time I was very upfront about not wanting to go back in, and it sounded like the worst case would be being reclassified as a remote employee. Hopefully that remains the case.