Search found 9 matches

by cervisia
Fri Feb 26, 2021 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much does your employer contribute toward your health insurance?
Replies: 26
Views: 1171

Re: How much does your employer contribute toward your health insurance?

My employer (per person; high deductible HSA medical): $5,400 (from W-2, box 12 "DD") $1,100 (full-year paycheck deductions) ~20% of the total.... but employer puts $800 into my HSA Wife's employer ('family', adult+2 kids in this case with kid cost less than adult cost; high deductible HSA...
by cervisia
Wed Dec 30, 2020 2:13 pm
Forum: Personal Investments
Topic: Too much in 401(k)s [long time lurker finally asking a question]
Replies: 17
Views: 4513

Re: Too much in 401(k)s [long time lurker finally asking a question]

Sweet, a Boglehead smackdown of sorts! :D retiredjg & celia saying to convert vs Watty saying to continue to defer. :D There is vast experience and a whopping 75,000 posts between these 3 forum superstars. I created a quick excel model that yielded some results that surprised me (thanks for the ...
by cervisia
Tue Dec 29, 2020 4:53 pm
Forum: Personal Investments
Topic: Too much in 401(k)s [long time lurker finally asking a question]
Replies: 17
Views: 4513

Re: Too much in 401(k)s [long time lurker finally asking a question]

retiredjg... The Ira is $200k... at $50k/yr I can convert it now thru Jan'24-ish (up to 5 tax years in there). Watty... thanks for the reply :: "You are likely over analyzing this" -- almost certainly (but I do think that I'm sort of on the edge of a 'good to have' big RMD issue... and *my...
by cervisia
Tue Dec 29, 2020 3:00 pm
Forum: Personal Investments
Topic: Too much in 401(k)s [long time lurker finally asking a question]
Replies: 17
Views: 4513

Re: Too much in 401(k)s [long time lurker finally asking a question]

Based on the above feedback and further analysis, I'm learning toward a middle-ish ground for the 3 years until expected retirement: (a) stop net contributions to our tax deferred accounts (beyond employer matches), (b) focus on Roth & taxable instead, and (c) hold off on wholesale conversions f...
by cervisia
Mon Dec 28, 2020 10:02 am
Forum: Personal Investments
Topic: Too much in 401(k)s [long time lurker finally asking a question]
Replies: 17
Views: 4513

Re: Too much in 401(k)s [long time lurker finally asking a question]

Thank you for taking the time to respond. retiredjg... I very much appreciate your thoughts confirming that if I don't bit the bullet now I'll quite likely be paying taxes at a higher rate in the future. And, it gets much worse when one of us dies. Over the next three short years before retirement I...
by cervisia
Sun Dec 27, 2020 11:40 am
Forum: Personal Investments
Topic: Too much in 401(k)s [long time lurker finally asking a question]
Replies: 17
Views: 4513

Too much in 401(k)s [long time lurker finally asking a question]

Surely I might compete for lurking the longest? I occasionally perused posts on the Morningstar diehards group but started consuming info here regularly in 2009. Over the years the information, ideas, and opinions I’ve gleaned from this site, on a huge variety of topics form a great variety of perso...
by cervisia
Mon Nov 16, 2020 2:54 pm
Forum: US Chapters
Topic: Indiana Bogleheads Chapter Established
Replies: 74
Views: 6270

Re: Indiana Bogleheads Chapter Established

Excellent! I look forward to Wednesday!
by cervisia
Fri Oct 30, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Dampening/Averaging annual spending
Replies: 44
Views: 2040

Re: Dampening/Averaging annual spending

I'm a couple years away from retirement, but I do indeed plan to withdraw my % (tbd fixed or VPW) based on year-end values averaged over the past 3 years. There will be no cash type pool. I'll just use the 3yr average value rather than current value as the basis. I expect to have the flexibility to ...
by cervisia
Sat Oct 24, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Stationary Indoor Bikes
Replies: 33
Views: 2543

Re: Stationary Indoor Bikes

I'm fairly new to exercise bikes, but am super happy with: 1) MaxKare magnetic, belt dive bike (under $300) 2) wahoo cadence sensor ($40) 3) wahoo TICKR Fit hear rate armband monitor ($80) 4) Peloton digital ($12/mo vs $40/mo if you have the Peloton bike) 5) Tablet or TV (I use an older iPad we had ...