May not have this issue for a bit but I have a rollover IRA (401k moved into Fidelity) a 401K and then will be starting back up my Roth after some issues I had.
In this case, what shares contribution limits with what? I know Roth limit and the 401k limit but idk what I’d do about the rollover ira?
Thanks
I (31M) am getting a divorce from the wife (32F) after 7 years, we both started recovery journeys during that time, myself most recently with gambling (relevant for later) and am 6 months clean there. The marriage was already going down the tubes before everything came out anyway but the divorce kind of pushed us towards more formal separation and were selling the house right now. We have two young kids.
Overall things are pretty amicable all things considered, since I’ve stopped gambling we’re in a good place financially, we’re very friendly and still live together to some degree although she’s had a boyfriend for a bit (we’ve been separated but living together for like two years) so she is working on moving in with him.
Now to the actual prompt: I’m making 195 base where bonuses could bump that up to 210-220, or much higher if a project finishes in the year, and my base may soon go towards 215, 220 even. We aren’t formally divorcing right when we move out which I’m fine with and are somewhat still splitting the income - although I’m getting more since she’s renting from the bf for a decent rate but we have the same “discretionary” income after all necessary expenses. She hasn’t needed to work but will be getting back into work part time at least until the kids are both in full time school. Regardless of whether she works or not, the child support calc difference in my state is relatively negligible.
What I’m having issues with, is the amount shes gonna get now and moreso after a raise will be probably 500 then 1000-1200 more than what child support will probably end up being come formal divorce time. The reason we aren’t jumping right in is dealing with the finer non financial points / details (we have high level custody worked out but there’s more to an agreement that we will ultimately get a mediator or lawyer to assist with) may take some time and we have one kid starting public school, moving, finding a new apt, and just a ton of stuff.
Even though I’ll have plenty of money and it’s temporary, I still am harboring some kind of possessiveness and resentment. I want things to be formalized asap so I don’t have to pay extra. The thing is I’m fine paying extra right now in my logical side of my brain and I also recognize there will be some alimony for a period of time but am just stuck thinking 4 steps ahead before we’ve even moved out.
We also have had a pre existing agreement to pay off the relatively small amount of student loans she has which the house sale will cover, and then I took probably $80k total from the family retirement accounts so I’m basically paying her back half of that outside of everything - will probably be paid back once I complete a couple projects later this year from bonuses. There’s a guilt of wanting to push things quick, and also a why does it matter in the grand scheme. I’m scared of not being able to move on financially and not being able to make up from my mistakes of taking from retirement even as I push 200k base at 31.
TLDR am in a good financial position, anxious and possessive over my money and trying to rush proceedings, and trying to keep my mind at bay because there’s nothing I can do right now
I've been on dating apps off and on for a couple years but finally physically separating from the wife so hopping back on with more time to socialize but don't really have a good picture that's less than 2 years old, any thoughts on non cringey selfies? I know they're fine and all but have a hard time knowing what comes across as maybe off putting or whatever if that makes sense. Anyway, any feedback is appreciated!
I (31M) am going through a divorce and retirement money will basically be split down the middle, but it won't be final probably for another year around when I'll be 33. I make $195k base right now (bonuses create a floor around 210, project bonuses could up it to the 300s depending on the year and may get a raise in the next couple months) and if I include my unvested amount in my 401k and trad IRA we're at about $98k. We'll only split the vested balance so I'll call it $43k in MY retirement savings.
Anyway, I'm hyperfocused on it right now just because I made some stupid decisions that involved taking money out of various retirement accounts and trying to just play around and see what my final balances would look like if I just maxed out a 401k for the next 33 years. Now this isn't perfect since I may be able to save elsewhere too but that's besides the point. ANYWAY - retirement calculators all estimate how much you'll need based on your current income or future income, but some suggest I'll need like $15k-$20k a month and others say different.
TLDR; if my income is relatively high now, how do I actually get an idea of whether I can catch up to where I need to be / estimate what a good number actually is?
Do these seem accurate? Was having issues comparing on other sites and maybe I’m getting confused where cards are the same but from different decks
Have some other cards that scanned well but seems like most yugioh cards aren’t very high value
I’m starting to sell my cards in a couple weeks after I finish this move but trying to catalogue everything since I’m just selling stuff raw + evaluate condition. Watched a YouTube video so tried to follow and be somewhat conservative where it made sense. Would appreciate feedback since I don’t want to misrepresent cards (even though I’ll have pics of them all)
Dark gengar HP
Snorlax HP
Moltres Damaged
Umbreon NM
Exeggutor LP
Basically if the front is great and there’s no more than maybe a small one or two spots of whitening on the back that are minor I’m going NM, little more whitening or something super small noticeable on the front LP, something more noticeable on the front of marks on the back along with a couple marks OR a corner has a little bend MP, something like a crease + whitening HP, then damaged kind of self explanatory. Thanks!
This is pretty minor but have no clue what this is? It’s not raised so it’s not like something got on it but just don’t recognize this as anything normal. Did the ink like splotch on or something lol
Mostly looking for feedback on the best way to sell my collection - going through and probably selling them raw but trying to assign some kind of condition to them.. I watched a video of some woman with a bunch of followers go through how she’d do it so trying to be conservative, mostly don’t want to scam anyone.
Other than advice there, does eBay make the most sense if I’m willing to sell a ton of individual cards? Or are there other sites that may be easier to sell them on?
PS I already know to have a general distrust of anyone messaging me on Reddit!
Just posting a few of my favorites I’ve organized so far. Any feedback appreciated!
Found this one among many, one or two small whitening spots but still wondering what people think something like this comes back as for reference?
Ivey been using apps figuring out values but seems like it they vary wildly depending on condition and I’m no expert. Any input appreciated! These are just a few examples of nicer cards I’ve photographed so far but seems like they all are relatively similar quality minus the gengar, little bit of something on the edges of the cards and that’s about it.
Age old story - found my old collection and now trying to figure out what’s worth grading and what’s worth selling raw. Did a lot of research myself, and have plenty of valuable cards but also plenty that the TCG app put between $5-$15 lightly played. Does anyone have a “cutoff” they like to use when deciding if something is worth grading?
Also curious for any input on how hard I could get dinged on what I think is called whitening on cards.. lots of old cards that have some level of whitening like this jolteon.
Also curious about this gengar and dragonite since they’re probably the most valuable cards if they were perfect. Gengar is fine except this crease, does that immediately make it like a 6 or below in your experiences? Dragonite added for fun :)
Newbie Q but I only ever hear of Pokémon cards getting graded but I know yugioh cards do as well so figuring out what to do with many that apparently have at least some value. Most I’ll probably just sell raw but these seem like they could be valuable, been sleeved probably for 15-20 years (I don’t remember when it came out / the tv show was on). Would appreciate any insight into whether these could be worth sending in!
PS I looked some stuff up, realize these aren’t 1st edition minus the dark magician so maybe not crazy valuable even if they’re 10s
I’ve looked through some posts and gotten some helpful info + looked at eBay but I guess I’m trying to figure out how severe some scratches or “whitening” (?) may actually affect grading. Context: found my old collection and deciding what to sell raw and what to grade then sell.
So here’s some examples of what I’m trying to evaluate. I have a lot of solid older cards but many have some of the what I think you call whitening to some degree visible on the backs of cards (see the dark jolteon back) - how severe is that? Another example is the Japanese card which is an entei thing or something.
The gengar is pretty good but has that crease which idk how severe that is - affects a few cards so wondering about that.
Then lastly with the dragonite it seems all around solid so figured that was a good one to grade? I read to use centering apps and visibly inspect to really make a decision, so I’m starting there but would like input on how severely to “self grade”
Ok last question of all this is.. at what point does it become too risky to grade. Like if I have a card that maybe would go for $10 raw and is in pretty solid condition - maybe better to just sell with a group of other cards raw and not bother paying and hoping for a 10? Any input is helpful!