u/44193_Red

Hello all,

My workplace insurance lapsed because I missed the open enrollment emails during a period when I had to lay off a large number of people. Mind wasn't there. Signed up with Oscar at nearly 600 mo.

A few months ago, I injured my shoulder, and all signs seem to point to a rotator cuff issue. I’ve honestly been afraid to get it checked because I’m worried it could cost thousands of dollars. I’m considering waiting until next year when I can get back onto my employer insurance plan.

Do you guys have any advice? I’m pretty worried and feel stuck.

Current Plan Details:

Oscar Bronze Classic (EPO)

Coverage Period: 1/1/2026 to 12/31/2026

Plan Details:

- In-network only, except emergencies and limited urgent care

- Individual deductible: $3,300

- Individual out-of-pocket maximum: $9,300

- Specialist visits: $75 copay after deductible

- MRI / CT scans: 50% coinsurance after deductible

- Outpatient surgery center: 50% coinsurance after deductible

- Surgeon fees: 50% coinsurance after deductible

- Physical therapy: $50 copay after deductible

My concern is that if this ends up requiring imaging, injections, PT, or surgery, I could get hit pretty hard financially under this plan.

At the same time, I’m worried waiting could make the shoulder worse if it actually is a rotator cuff tear.

- Get evaluated now?

- Wait until January for better coverage?

- Go to urgent care?

-Maybe theres a place I can just pay out of pocket for it?

Any advice from people who have dealt with shoulder injuries or these insurance situations is appreciated!

Hello Reddit, i've been reading for what it seems like weeks now, and struggling. Hoping for some advice. Here is my accounts setup and their %s

1. T. Rowe Price 401(k): ~15% (pre-tax)

• ~60% Employee Pretax Contributions
• ~40% Employer Match / Safe Harbor
• In-Plan Roth: 0%

1. Fidelity Rollover IRA: ~38% (pre-tax)
2. Fidelity Brokerage Account: ~3%
3. Fidelity Roth IRA: <1%
4. Fidelity Traditional IRA: 0%
5. Other holdings

Base salary is 200k, age early 40s, so I think thats 24% effective tax rate?

Questions

1. What investment order should i go with?

I reduced my 401k deposit to 3% (up to match) because at this point I dont even know what i should be doing. Then, I was told its best to invest as much as I can in Traditional IRA (Fidelity) then immediately convert to Roth (Fidelity) with extra cash.

I really hate having funds in diff places, and looked into moving my Fidelity to my T-Row price (work account), but theres a $50/yr fee (and may be other fees and limits)
T.Row price has a brokerage feature too I could potentially use. Does it make sense to consolidate the accounts?

So that all being said... How do I know if or when need to convert anything to roth? I liked the idea of having the roth account to pull from if i needed before retirement (Extended job loss, etc). But I havent racked up any roth. I swear I did invest in roth decades ago, but not really sure where it went through the job changes and rollovers. Im currently at a higher income level (but havent been there for long, and probably wont be for long).

Thoughts?

Hi guys, i'm struggling to figure this out. I've got a prize winning, from consistent raffling throughout the year. The prize was 15000 in value.

They issued a 1099-MISC. In Turbotax, they dont allow me to diretly edit the schedule A to put in gambling losses. The only way to do losses is to fill the W2G field, but, I also need to note "didnt recieve W2g" and enter both the income AND deductions.

I am worried if I dont file the 1099-MISC form, it will raise a flag.

I've spoken to Turbotax, and even paid for help with "CPAs" on Fiverr, no one has a answer. Heck, Turbotax said to tie the 1099-MISC to a business (gambling monthly to earn income), and write off a much as i can there.

Anyone know?

Hi guys, i'm struggling to figure this out. I've got a prize winning, from consistent raffling throughout the year. The prize was 15000 in value.

They issued a 1099-MISC. In Turbotax, they dont allow me to diretly edit the schedule A to put in gambling losses. The only way to do losses is to fill the W2G field, but, I also need to note "didnt recieve W2g" and enter both the income AND deductions.

I am worried if I dont file the 1099-MISC form, it will raise a flag.

I've spoken to Turbotax, and even paid for help with "CPAs" on Fiverr, no one has a answer. Heck, Turbotax said to tie the 1099-MISC to a business (gambling monthly to earn income), and write off a much as i can there.

Anyone know?

Hi guys, i'm struggling to figure this out. I've got a prize winning, from consistent raffling throughout the year. The prize was 15000 in value.

They issued a 1099-MISC. In Turbotax, they dont allow me to diretly edit the schedule A to put in gambling losses. The only way to do losses is to fill the W2G field, but, I also need to note "didnt recieve W2g" and enter both the income AND deductions.

I am worried if I dont file the 1099-MISC form, it will raise a flag.

I've spoken to Turbotax, and even paid for help with "CPAs" on Fiverr, no one has a answer. Heck, Turbotax said to tie the 1099-MISC to a business (gambling monthly to earn income), and write off a much as i can there.

Anyone know?

Win a prize and was issued a 1099-MISC.

Very confused as to whether or not I can use the gambling section in turbotax and enter my prize and losses.
Google search led to a workaround but i dont know if its legit?

• Advice #1
• Report the winnings in the gambling section ( so you can enter losses (itemized, capped at winnings).
• Then enter the 1099-MISC with a negative “other income” adjustment to cancel it out and avoid double counting.
• End result: winnings show correctly, losses applied, no duplicate income.
• Advice #2: just delete 1099-MISC and report as gambling directly, but people worry about IRS matching.
• Advice #3 Turbotax support also recommended entering it as a 1099-MISC+ScheduleC (BUSINESS and deduct the gambling losses there).

Please advise? Nothing makes sense anymore