Recruiting Forum Football Talk IX

#35,752
#35,752
ETNVolunteer1 said:
Just saw that rumor is Nico’s “camp” is looking at Miami or Texas Tech as possible transfer options. Why the heck would Texas Tech want him? Their backup that played and beat Utah last week is a freshman and looked really good.
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He might look at a lot of places but how many of those places will look at him….

This must be the sequel to the April 2025 original movie.
 
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#35,756
#35,756
screenthis said:
HSA and you're retired?
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Yes, you can keep it and use it for your lifetime. People make the mistake of thinking they have to use it only while working or use the amount saved every year. You can stash cash in it and use it later after you are done working. I could still contribute to it if I wanted to (just can't use money to fund it from a tax free investment, like a Roth).
 
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#35,761
#35,761
JP_UT_O&W said:
They are historically accurate...

bottom left - ww2 era...back in the days when we gave nazis the bidness
Tennessee.jpg


I like the orange helmets....Give them a few more years and see about bringing them back
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I've been waiting for them to bring back the stripes on the sleeves for YEARS. It looks so clean and seems like a no-brainer
 
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#35,764
#35,764
JP_UT_O&W said:
HSA is the top tier strategy...triple tax advantage (pre-tax, no tax on withdrawals, no tax on interest earnings)
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I’m building mine up, maxing every year now, to buy the fattest single premium indemnity long term care policy I can. If I go slowly, I want no excuse for anyone to take care of me or put me anywhere other than the Ritz Carlton of facilities. 20 years from now I should be able to buy that, 2 new knees, and a penile enhancement for when my future wife inevitably divorces me. I’m gonna be the hottest commodity at the nursing home. Figuring out how to make the last expense qualify for tax free withdrawal will be the “hard” part…
 
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#35,766
#35,766
zhangliao04 said:
Another is the backdoor IRA. Not as well known and not used in a lot of situations. That being said my wife and I use this method.
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Love a good backdoor Roth.

Want to be a client of mine?

Also, backdoor.. hehe…

Edit: saw you said you have an FA. I’m not in the stepping on toes business.
 
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#35,767
#35,767
DarthVol1 said:
Yes, you can keep it and use it for your lifetime. People make the mistake of thinking they have to use it only while working or use the amount saved every year. You can stash cash in it and use it later after you are done working. I could still contribute to it if I wanted to (just can't use money to fund it from a tax free investment, like a Roth).
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Yeppers. Unfortunately I just learned about this HSA benefit this year, “I’m a man. I’m 40”

There is apparently no time limit on using it. Break my leg now, pay for it with my CC, and reimburse myself after that has $$ grown for decades.

It’s a great vehicle for retirement. Think I heard the average couple spends $300,000 in retirement on medical care alone. ABSURD. So curb that 💩 and invest it to outpace the ↗️7% annual healthcare costs.
 
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#35,768
#35,768
85SugarVol said:
The “Backdoor” is a slick maneuver, though completely legal. It’s actually a “funding mechanism” more than a type, designed to get money into a Roth. (To be fair, so is Spousal)

If you really wanna blow your mind on what’s possible - check out “Mega Backdoor” conversions. If your 401k plan allows after-tax contributions, and in-service distributions, you can push 5x the amount to a Roth than you can with a basic Backdoor.
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I think I read somewhere that the .gov is trying to eliminate it. Timeframe is far out something like 10-15 years, but yeah it’s pretty slick (while it’s legal). I never heard of it until my FA told us about it as an option. My tax guy was thrown for a loop that year 🤣.
 
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#35,769
#35,769
Glitch said:
I go to the doc generally once per year. My wife goes generally once per year. Kids...same. Wife and girls also go to a dermatologist a couple times a year. Generally healthy though. I should be all done with surgeries after my last hip. That is why I wanted to get them both done this year.
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I would for sure go over it with someone else, but I would think a HDHP with HSA would work great for you! Even better if your employer also contributes any to the HSA. Good luck
 
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#35,773
#35,773
Bigorangefaninga said:
Yes, almost all insurances will offer their stand alone plans with an HSA, especially a high deductible one since he’s not old enough for a Medicare plan. And he is right, max out if you can the amount you can contribute and most places will allow you to invest what you don’t use and HSA’s roll over year to year unlike FSA’s.
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Hsa is only available with high deductible plan. But the threshold for that these days is pretty low at $1500
 
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