Unexpected refund after paying additional taxes

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I used my employer’s legal plan. I had the option of choosing between a variety of lawyers. Ended up getting a will, POA, living revocable trust etc...

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I stand corrected - these things are holding their value better than I expected, for a device that was discontinued five years ago. Still, $20-30 for...

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Why not a used iPod? An Apple Watch or iPhone are probably your only current options for using iTunes music. You could probably buy ten used iPods for...

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Yes, but in those cases the cost of the bailout is not shared by the entire crypto community. It’s shouldered by whatever VC fund backed the project,...

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This is an oddly refreshing aspect of the crypto financial ecosystem.

There's no "too big to fail". LUNA/UST was a top five coin,...

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I think we're still inflated but I agree with VentAlarm that I'm investing for a 20+ year horizon so I wouldn't put my investments anywhere else for now....

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What I'm hearing is an opportunity for us to develop a new and better app. This could be our side hustle - how do you feel about the lucrative prospect...

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I checked it out on a lark. Just want to make sure I have the right version... I was a little surprised to see this prediction was made from my sex, birthdate,...

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1. The Long View isn't the best podcast to pick on. They've done 160 episodes dating back to 2019 and some of them are very good.
2. Lego podcast...

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Totally agree. Thanks for this perspective. You’re also right that I will enjoy comparing my TT return to the updated 1040 they send

...

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Call me crazy, but I’m happy to let it rest. I have no reason to believe the IRS made an error. The order of events was:

1) I submitted...

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Thank you for the thoughtful reply.

I finally received a letter from the IRS clarifying - the deposit happened to be my 2020 refund finally...

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Your mortgage is 2.875%, inflation is 8.54%, and you can easily cover the mortgage payments. That's fantastic arbitrage. I can assure you that rents are...

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1) It’s wild that less than a year ago I was able to refi into a 2.49% 15yr mortgage, and now rates have more than doubled. The pace of change is unreal....

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Agree with all of the folks above who made excellent points.

I don’t know any homeowners who haven’t had a moment of buyers remorse...

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I bought a bunch of wildly expensive but really high-quality cold weather running gear from Tracksmith. Made my winter runs and my run-commute into work...

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I like big bonds and I cannot lie. You other docs can’t deny....

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Bogleheads has a nice table with 3-fund portfolio options at various companies: https://www.bogleheads.org/wiki/Three-fund_portfolio

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I found myself in an unexpected situation and I'm wondering if anyone has encountered something similar.

I do my own taxes in Turbotax. This...

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Interesting and timely post: https://www.whitecoatinvestor.com/di...ire-at-age-52/

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William Bernstein: "A twenty-five year-old who is actively saving for retirement should get down on his knees and pray for a decades-long, brutal...

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That's interesting.

I can't imagine not having a glidepath towards retirement. It strikes me that most major life transitions won't go well...

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My partner and I both have workplace retirement accounts at Fidelity. The customer service folks at Personal Capital told me they couldn’t differentiate...

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I’ve tried most of them and found each lacking.

Personal Capital couldn’t import my Fidelity accounts (!)

Quicken couldn’t...

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Microsoft Excel...

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I did this for our student loans. It made sense because our state has a 529 tax deduction. I’m not sure how helpful it would be in your situation, as...

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True story, Word of Honor:
Joseph Heller, an important and funny writer
now dead,
and I were at a party given by a billionaire
...

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Totally agree.

Even the rare situations in which models show you running out of money are misleading. It assumes that in a nightmare scenario...

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I think we need to differentiate between calculators and models / simulations.

Billy linked to a calculator. It provides an easier means...

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Given your financial savvy and some of the details you’ve shared about your career, I wouldn’t be surprised if you were all types of FI....

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I think the SWR is what you feel comfortable withdrawing.

So if you feel safe taking out 4% a year, you’ll need 25X expenses. But if you...

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CoastFI means that you still need to pay for living expenses until retirement but you’ve already saved enough for retirement (given certain assumptions...

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https://www.nytimes.com/2022/02/22/w...e=articleShare

Can you think of a country more...

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Of course not.

But you could, if you wanted to.

And more importantly, you and I have the luxury of living in a country where...

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I think it's just early. Crypto currently seems to behave like a risk-on asset... but there are fine reasons to believe it could become a hedge against...

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Isn't spending Bitcoin a taxable event?

If I buy BTC at a price of 20k, it rises to 40k, and then I use 0.0001 BTC to buy a cup of coffee,...

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Can I ask why you say you would have continued private school for your daughter, if you could do it over?...

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2. As with future stock prices, nobody knows. BTC could drop another 50% or it could be at ATHs in a month. I think it would be reasonable to buy a small...

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Whatever you do, avoid Nanny Lane like the plague.

I’ve had a great experience with NannyChex....

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When I'm listening to a podcast, the guest makes an interesting point, and the host says "let's double-click on that".

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Why do you need an explanation?...

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“Today’s my Friday!!!”

I can’t pinpoint why, but this one is like nails on a chalkboard to me....

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Thumbs up for nice truffles or chocolates.

Honestly, a hand-written thank-you letter/card is probably the kindest and most impactful thing...

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https://forum.whitecoatinvestor.com/...-backdoor-roth...

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I did this too, since my state allows a tax deduction on contributions. The 529 plan administrators were very helpful. They clarified that the only stipulation...

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This. My wife has a ~45 mile commute. We’re in the Midwest too. She has a long range model Y. In the dead of winter, with snow tires on, she often uses...

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At a certain value, people would take USD. I’m wondering what that value is for BTC holders on this site....

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At what valuation in USD would you sell 50% of your holdings? Say in the next two years....

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I do. Many random questions:
1) I’ve read that when Saylor and MSTR purchased over $5B in Bitcoin the price barely moved. This seems partly explained...

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Is anyone else planning a raise this year due to inflation or other factors? Our Nanny’s job has become easier because our oldest kid is in school most...

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We do. Partly because it seems traditional (we also give a holiday bonus to our house cleaners.) But mostly because our nanny is amazing and has become...

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That was my impression as well. $10k/yr household maximum regardless of number of 529s....

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From the Vanguard website: "Michigan offers residents and taxpayers a state tax benefit only if you invest in the Michigan 529 plan. You could also...

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I believe that is correct.

It also helps that Michigan has one of the best state 529 plans.

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I should have added that we also do guaranteed hours, paid vacation, and 44 hours a week which means she gets paid for 46hrs/wk due to overtime.
...

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I'm in the Midwest and paying $20/hr....

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The latest episode of Crazy Money by Paul Ollinger was interesting. He talked with two residents of Atlanta about the city, its culture and crime, and...

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I gave up trying to use them too, because they couldn’t link my accounts at Fidelity. Fidelity, of all places.

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If memory serves, numerous users reported he was sending insulting and threatening PMs. Not cool.

Cord, sorry for the PTSD with the chart...

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It has been difficult to find measured, sober-minded educational content. If you have any recommendations, I'm all ears. Even if I don't invest, it's...

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I hear you - I've had the same thoughts.

I'd probably take the path jacoavlu mentioned. Max out all tax protected accounts first. Then contribute...

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Yeah I hear you - I don't really have an interest in trying to pick out the next big token that's going to take off like Dogecoin. I'm more swayed by...

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I had/have the same feeling as you. Two things are swayed me.

1) A friend commenting that cryptocurrencies (specifically BTC and ETH) are...

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This has been an interesting discussion to follow. I've generally been dismissive of BTC and cryptocurrencies. However, over the last couple months I've...

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I was planning to do the same. Now the question is whether to go out and get it today from CVS - which would presumably be the 100mcg dose - or wait for...

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Agree wholeheartedly.

I'm surprised there are people here who worked in restaurants and think waitstaff are doing fine - before or after...

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I would make sure you have this done right. I’m dealing with the ramifications of initially hiring a bad nanny payroll company and it’s been miserable....

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If you don't want to wear scrubs but you're not sure where to start with professional clothes, check out Stitch Fix.

I was skeptical at first,...

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I went through PolicyGenius - it was quick and easy to get quotes from 20+ companies. Simple to set up the actual policy as well.

I think...

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Out of curiosity, do you love the work?...

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I'm still waiting, but I'm 99% sure it's because my miserable prior nanny payroll company screwed up the tax submission process.

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OK fair enough - I'll at least read the Blinkist ...

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I'm listening to a podcast interview featuring Bill Perkins now. Some of his arguments are interesting, but I have to ask before committing to reading...

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Thanks for sharing. I agree with the sentiment you expressed. These two articles (one by @VagabondMD) resonated with me and touch on many of the points...

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For what it’s worth, this is the strategy I pursued - despite loans at a 1.5% variable interest rate - and I have no regrets. Paid them off last week...

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Yes. Whether it’s the best strategy depends on your particular situation…...

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I know numerous docs who - weeks ago - walked into CVS, stated that they do not meet any of the criteria for a third shot, and were given one anyway....

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We also did Sprinly for ready-made fast vegetarian meals (eg lunchtime at work). Purple Carrot for vegan at-home cooking meals....

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I've used a ton, including ones that are no longer available: Blue Apron, HelloFresh, Sunbasket, Freshly, etc. We're currently trying to eat WFPB and...

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https://www.bogleheads.org/wiki/Three-fund_portfolio...

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In addition to the things listed above, here are some less commonly referenced interventions which have helped me:
Programmable cooling mattress...

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“There was an appearance of insider trading… because they were totally inside trading.”...

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https://www.reuters.com/business/fin...st-2021-09-09/

From the article: "Two...

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I'm only a few years out of residency but recently cut back such that I have one weekday off each week.

My partner and I both make good salaries...

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https://www.nissanversaforums.com/forums/

The main forum has 24k posts. Rivals WCI in size. Gotta love the internet....

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Agree with the advice above about finding a specific forum for the make and model you’re looking for. They usually have a tagged sticky thread where...

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My wife and I went through IVF for our first. After a successful transfer, we discussed concerns about shift work in the hospital (she’s also in medicine...

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I always find Wirecutter’s reviews to be direct and helpful: https://www.nytimes.com/wirecutter/r...ic-toothbrush/

Ultimately,...

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Classy. With friends like these, it's hard to imagine why male docs would want to do anything except lift weights....

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I have a similar situation. Fairly straightforward taxes (2 W2s, kids, homeowner, backdoor Roth), but months-long delay since filing my taxes. Same result...

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My wife and I have 2x backdoor Roth IRAs ($12,000) + 2x 403(b)s ($39,000) + 2x 457s ($39,000) + two solid employer matches (I estimate it will be at least...

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The Rational Reminder podcast - which I heard about here on the favorite podcast thread - had a great episode this week on Climate Change vs The Stock...

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Unrelated to the cost of hobbies, but this is my favorite book genre too. Read any good ones lately that you’d recommend? I just finished the latest...

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If you’re rolling over funds directly from one account to another, a market correction during the transfer process would be a *good* thing for you....

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I dug through the forums but couldn't find anything.

shady thanks for the feedback. The concept seems awesome. (The rest of the family prefers...

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Has anyone tried one of the mattress cooling pads? Eight Sleep, Ooler, etc. I'm curious about how well they work but the price tag is pretty steep...

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I’m a dog lover with two pups, but any dog who bites a child’s face should be put down the day the attack happens. Especially given the details here...

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I respectfully disagree. I'm not necessarily advocating litigation, but I do think it makes sense to get a lawyer involved. This is a mostly medical forum...

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Agree with the chorus - I'm anti-lawsuit, pro-dog and would 100% get a lawyer involved.

If I were your BIL, I wouldn't even bother speaking...

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Well said and I agree with you completely. I'm sorry you had that experience, with such a short leave. (I'm also guessing you needed to use vacation time...