u/shyguythrowaway

What Are the Guidelines for Mega Backdoor Roth?

My wife's employer recently started allowing Mega Backdoor Roth. She currently has about $100k in a 403(b). Should we convert all of it to Roth? What are the tax implications?

I just started doing Backdoor Roth's for myself in Schwab. HHI is around $400k. Happy to provide any numbers if needed.

reddit.com
u/shyguythrowaway — 2 days ago

Budget optic and light?

For my Echelon 4.5, I am looking for a budget light and maybe a sight, if it's cheap. I won't be at the range - my Echelon will be a safe queen for home defense. I got a gun just to have one.

Olight has an optic and light on discount right now.

The Baldr S (Blue) is on sale for $130 > $78

Osight 3 MOA (enclosed) is on sale for $230 > $160

I figure a whole set up for $240 can't really be beat. And it's better to save some cash if it's basically a safe queen. Is my thinking correct?

reddit.com
u/shyguythrowaway — 14 days ago

I bought an Echelon 4.5F (CA compliant with 10 round mags) via PPT. I am wondering if I should have gotten the 4.0C. I plan to keep it in a box in my closet for the "what if" home defense scenario, and shoot rarely, just to stay proficient.

I don't have any plans to carry, but like the idea of being able to if a situation ever arises. Did I buy the wrong size? Is there much of a difference between the two sizes?

reddit.com
u/shyguythrowaway — 18 days ago