u/ATDoel — reddlx

Pension: to cash out or leave it 20 years

I recently left my job of 11 years and I’m trying to decide what do with my pension. I’m vested in their system so I can leave it and draw $31k a year for life starting 19 years from now or get it cashed out into an IRA, roughly $60k. If I leave it I could always go back and work there for a few years when I’m near retirement to boost the payout, their formula uses your highest average 3 year salary. If I take the payout and come back, I can also buy it back, with interest.

Wife and I are around 40, $650k equity in our house, $150k 401k, $50k in a HYSA, annual income around $200k, no debt.

New job has their own pension, it’ll take 10 years to get vested, and I also have access to a 457(b) account. Our DTI is low at 18% so I’m planning on maxing out contributions to the 457(b) to catch up.

reddit.com

u/ATDoel — 2 days ago

▲ 3 r/Sauna

Sauna exhaust options

I’m building a sauna in our basement and I have two options for the exhaust vent. The adjoining bathroom has an exhaust fan so I want to make sure we’re exhausting the sauna into that room.

First option is a ceiling mounted vent with horizontal ductwork to a wall grate in the bathroom. Second option is a normal wall exhaust vent on the same side as the intake vent.

Which would be better?

u/ATDoel — 3 days ago

▲ 1 r/Sauna

Custom kit cost and recommendation

We’re looking to install a sauna in our basement, it’s framed and ready to go. What would be a reasonable cost for a custom kit and any vendors you all would recommend?

u/ATDoel — 7 days ago

▲ 7 r/radon

Sudden radon spike

Installed an Airthings almost a month ago after having one of those short term radon test kits come back at 8 pCi/l. Since the test kit I sealed up a large cut in our basement slab where a shower drain was roughed in. Basement is unfinished right now, concrete slab and poured walls, passive radon system. Everything was looking good until the last week where we had a few spikes up to 4.1 pCi/l and now it’s remaining elevated. I can’t figure out why, nothing inside the house has changed and the weather has been very consistent (see picture of my weather station). Maybe ground water levels are increasing due to our rainy season? That’s the only thing I can think of.

u/ATDoel — 13 days ago

▲ 3 r/Roofing

Roof leaking at stove pipe

Two year old roof, noticed dripping inside the house coming off my stove pipe when it was raining. Got on the roof and the silicone/sealant around the flashing looks horrible, did my roofer use the wrong kind? What do I need to do to fix this and what should I use?

u/ATDoel — 1 month ago