Recent content by Peggy

Not sure if we have enough information. Deferred comp is counted as income when received I believe. So splitting it might get you into lower tax brackets. So would retiring in January instead of December, potentially. It would definitely affect your IRMMA if you got it at age 65 and tax...

Mayor of Kingstown Just when I thought it was just going to be the same story over and over again it kicks up a bloody notch. Not going to be happy if the brother gets flipped tho.

Harvested 7 plants out of the garden this year and have figured out it was 6 plants too many lol. Pot everywhere, in the freezer, in jars, just sitting there in the garage. Bought one of those infuser things to make gummies. Holy chit one ounce goes a long way.

This is the way. :samurai:

10-4 good buddy. The more I think about it the less worried I am about RMDs. For me it's paying a low tax rate when I can and maximizing the number of years it grows tax free.

The other thing that's in my mind with a hdhp plan risk is you can change to a different plan each year if something happens and/or you need more serious medical care. I mean if it's not life threatening you schedule surgery months in advance anyway. There is opportunity there and might be a...

So it looks like those reduced deductibles more than double at just 32,000 and are back up to the $14,800 number once you cross $42,000. Manageable, but trying to stay between 30,000 and 32,000 for the lowest deductible would be like threading a needle blind folded for me. The window I would...

Well crap. How did i not notice the deductible changes based on income. Definitely need to revisit now. Thanks! ETA: Cost Sharing Reductions (CSR) Apply to silver plans with MAGI between 100% and 250% FPL. And I don't think I clicked the button to look for CSRs the first few times using...

Yeah @NutterButter you're mixed up on your numbers somewhere. I checked NJ website and the lowest Oscar silver plan max OOP is $14,800.

I kinda made my decision after I zeroed in on the plan I wanted. But a couple things from your analysis: 1 - I decided on an HSA qualified plan early on. The only HSA qualified plans are bronze hdhp plans. 2 - The lowest oop I see in our marketplace of any of the plans is $12,900. I might...

Yep. And UFC leaves ESPN at the end of the year. Boycott everything Disney imo

Update EZ? I'm about 100 pages in.

I've decided it's worth it: 1 - It's not fair to look at insurance premiums as a tax as I've always budgeted for healthcare. 2 - It's not fair to put it just against just 30K, I'm able to covert over twice that amount. 3 - It's just a few grand to get a bunch of money over into Roth to grow...

That's exactly what I'm trying to decide right now. Let me know what you come up with! Definitely a bronze plan for the HSA. I can manage my income so that I pay $0 for that plan if i want to. But if I do max 401k conversions up to the cliff I'd pay (round numbers) about $3,000 in premiums...

I want a bronze plan because those seem to be the only ones that qualify for HSA contributions. I put my income on the high end because I wanted to do as much 401k conversions as I possibly could. But, yes, I'm living on cash for the first of many years so my income is completely under my...