u/Lindy-Bee

Hello Fellow Investors! I need advice on what we can do in our situation. We are a couple in our 70s and both have ROTH IRAs with Schwab. One ROTH I just started because I recently found out I could have had my own ROTH account! The other is my spouse's ROTH account that was started for him around 2012 which he just recently told me about. Neither one of us knew we could have been contributing to this account all this time! Crazy, I know.

Anyway, financially I think we'll be ok once we lose our stipend in 2030, but our income will be changing significantly from $5900/mo to approximately $4,000/mo.

I know very little about stocks and investing. My question is my husband's ROTH was set up in 2012 with these 3 ETF stock accounts: IVW, VPL, and VO. I have recently added VOO, SPYM, and SCHD. I know this is so late stage, but I would love some guidance as to what investments would work best for our situation. Should I sell the IVW, VPL, and the VO in my husband’s ROTH and reinvest in VOO, SPYM, SCHD, change to something else, or leave them alone? If the new ETF stocks I added are ok, I'm not sure what percentages to allocate.

Also, I'd like to know what to do with the RMD we won't need for the 4 years we will be taking this out of our new annuity. Should we put it in a high yield savings account, a taxable brokerage account, money market or what? Thank you all for your help.

We have a 2025 Hybrid Santa Fe. Our engine light just came on and through our tracking device it listed the trouble code as P1775. We just looked it up and ai states:
You should not continue to drive your 2025 Hyundai Santa Fe if it shows a P1775 Diagnostic Trouble Code.
Based on similar issues with Hyundai's 8-speed dual-clutch transmission (DCT) system, this code typically indicates a serious fault with the electric oil pump in the transmission, often associated with a "Transmission Control System" error.
Here is why you should not drive it and what you should do:
Serious Damage Risk: Continuing to drive with this fault can lead to severe damage to your transmission.
Safety Warning Signs: Symptoms of this issue include severe jerking, poor acceleration, "Transmission Control System" warnings, and the "Hybrid System Warning! Safely stop and do not drive" message.
Known Issue: This is known to be a significant fault that requires professional diagnostics, and in many cases, a replacement of the electric oil pump or the entire transmission. [1]
Immediate Action: You should have the car towed to a Hyundai dealership to prevent further damage and to check for related, active safety recalls.

We just had this car in a couple of days ago for service maintenance. Everything checked out fine. Now they are a week and a half out and we’re without a car. What do we do? Has anyone here had problems with this?

They told us at the service department when we called that as long as the engine light is not flashing, we can drive it! Hmmm, I don’t think so!

Please, we need advice on how to proceed. If they can’t get us in for something this serious, should we ask for them to provide a car to drive.

I can’t believe this is happening. 😢