There is so much great information on personal finance forums. I participate on several message boards, including the Bogleheads and White Coat Investor forums. Here are some of the discussions happening around the internet.
1. White Coat Investor: New Intern Budget
Question: Dgu34 will be a new intern in the summer making $54,000 a year. He wanted to know if there was any way to reduce his income to fall into the 12% tax bracket (which ends at $38,700).
He also wants to know whether he can contribute to his Roth IRA ($5,500) and pay off student loans ($3,500) with this budget.
WSP’s Take: Taxes are marginal, so you don’t pay a single tax rate on your entire income. There is no need to intentionally lower your income to move down into a lower tax bracket.
While everyone’s tax situation is slightly different, under the new tax bill, I estimate that a resident making $50,000 a year will have a federal tax rate of 7.8%. Throw in 6.2% for Social Security taxes, 1.45% for Medicare taxes, and 5% for state/local taxes (obviously variable by state from ~0-10%), and your total tax rate is about 22%. Multiply that by $54,000 and your estimated post-tax income is around $42,000, or $3,500 a month.
I like this tax calculator from TaxFormCalculator.com to help estimate your taxes, and a $54,000 salary correlated to approximately $3,500 a month take-home pay.
Most single residents should be able to form a budget on $3,500 a month, even after contributing to a Roth IRA and making student loan payments, but forming a budget depends a lot on individual preferences.
2. White Coat Investor: New Home for Dual Physician Couple
Question: Wcinewdoc is wondering whether $780,000 is the right price for a new home. The physician couple makes $410,000 a year, with no debt and maxed-out 401(k) and HSA. They have the 20% down payment saved up already. They plan to stay in the area for at least 5-7 years.
WSP’s Take: Given the rest of their financials, I see no issue with spending $780,000 for a new home. Their debt/income ratio on the home will be very low, and they have no student loan debt. They plan to stay in the area for at least 5-7 years, which will likely give them enough time to recover the transaction costs of buying and selling a home. Assuming they are not completely overspending in other areas of their life (unlikely), then a $780,000 home is completely reasonable.
3. Reader Question: ONEQ ETF
Question: WSP reader Steve asked in a comment to one of my posts about my thoughts on the ONEQ ETF.
WSP’s Take: The ONEQ ETF tracks the NASDAQ Composite index. They currently have $1.7 billion in assets, and charge an expense ratio of 0.21%. The ETF is thinly-traded, with only 50,000 shares traded daily.
I don’t see a good reason to choose to invest in the ONEQ ETF over an ETF that tracks the S&P 500 or Total Stock Market Index. ONEQ is less diversified, more expensive, and has lower liquidity than ETFs such as VOO or VTI.
4. Physicians on FIRE Facebook Group: Downsides to Paying Off Mortgage Early
Question: A doctor in the Physicians on FIRE Facebook group asks if there are any downsides to paying off the mortgage early, other than the loss of the mortgage interest deduction.
WSP’s Take: Not having to pay mortgage interest can be considered a positive, not a negative. The tax deduction on mortgage interest just serves to lower the effective interest rate of your mortgage, but you still have to pay interest. When you have paid off your mortgage, your interest rate is now zero!
One downside of paying off a mortgage early is having lots of money “tied up” in your home. By holding a mortgage, you were borrowing money at relatively low rates (that is effectively reduced by the mortgage interest deduction), and ideally putting it in an investment with a higher expected return than this interest rate (i.e. the stock market).
Wall Street Shares: 5 Articles To Read This Week
- Doctor of Finance, MD: RMD…..RMD…..WHY DO I CARE — Hatton1 reminds physicians why they should be thinking about RMDs (which don’t kick in until age 70.5) well before you reach retirement age.
- Dr. Money Blog: Personal Finance is Simple — Especially when starting out, personal finance and investing can be intimidating and overwhelming. This female Canadian doc and new blogger reminds you how simple personal finance really is.
- Financial Samurai: Would You Accept $1,000,000 To Endure Going To Public School Over Private School? — Well, if you put it that way…
- Full Time Finance: Queuing Theory and Record Retention — Some records/receipts only need to be held for a few months, while other records need to be held indefinitely.
- The Physician Philosopher: The Stretch IRA (Roth). An inheritance that keeps on giving — TPP highlights a major benefit of the Roth IRA.
What do you think? Do you agree or disagree with any of my responses? What’s your take on the topics in this week’s forum mailbag?
Thanks for the share. Everyone should be aware of this first world problem. I see several Roth Conversions in my future.
Thanks for the shout out, WSP!
Thanks for the call out! My thoughts on the mortgage pay down downsides are aligned with your comments. In some ways a mortgage and really any fixed debt of an appreciable asset is a hedge against inflation.
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I want to take this opportunity to express my gratitude to CyberNet Surveillance and their team of high tech hackers. Recently, I became a victim of internet scammers who presented themselves as competent and experienced companies in the field of cryptocurrency investments. I fell for the promise of high returns little did I know that they were conning me a sum of $630,000 leaving me depressed and desperate. During my search for a reputable and genuine recovery service, I discovered CyberNet Surveillance and the great reviews and testimonies from different people on various websites. I decided to try them out and from the moment I engaged with them my confidence in their abilities and recovery of my money was reinforced. I was able to retrieve my lost funds within 36 hours and also expose the fraudsters. I am truly happy with their services and sincerely hope this information proves valuable to whoever needs it. You can reach them via their email: cybernetsurveillance @ mail . com or through their whatsapp number +19088837240. I believe that all victims are entitled to access a reliable and effective team of experts such as those provided by Cybernet Surveillance. Highly recommend them.
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seychelles recovery expert are a licenced recoup agency with the best experts in the market and a solid hacking and legal team. They are CFTC sponsored and have helped over 9 of my clients recover their lost funds in the last 6 months. You should certainly contact them for help against scam brokers. ..
Lost or forgotten access to your hard-earned cryptocurrencies? Don’t panic! Cyber Genie Hack Pro is here to help you recover your forgotten, stolen crypto or fix your cyber problem. Don’t let hackers get away with your hard-earned digital assets, Cyber Genie team will leave no stone unturned to ensure you get all you have lost. Let me introduce to the world, CYBER GENIE HACK PRO, a legitimate private investigative and asset recovery company that assists victims of various frauds in recouping their lost money, hacked or scammed digital assets, and more. They are very handy and take their client’s cases extremely personally. This is a personal experience with them that’s why I am putting this 5-star review out here about Cyber Genie’s firm. Customer inquiry mediums of theirs are:
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Thank you
DR EDETANLEN IS A LIFE SAVER AND I CAN ASSURE YOU ABOUT THAT BECAUSE HE GOT MY HUSBAND BACK TO ME. My name is Jennifer and I am here to join the numerous people out here to thank Dr Edetanlen for his help and kind gestures towards me. I had a horrible experience going through heartbreak with my man. He left me and I was devastated and couldn’t find any sought of help to get him back. At some point I was depressed until I ran into pages where people testified about how Dr Edetanlen helped them. I contacted him and he never hesitated to help me as well. Not only did I get my man back after 48 hours, the love and happiness has also been restored better than ever. Dr Edetanlen is an amazing personality and I can’t thank him enough for his selfless services towards humanity. Contact him now via email:dredetanlensolutioncente@gmail.com or WhatsApp +2349153512788 https://www.facebook.com/profile.php?id=100092647912835
A new technology was detected for the recovery of lost cryptocurrency by A hacker, this technology is currently used by Adrian Lamo Hacker. They are best at recovering cryptocurrency and lost accounts, this hacker has been helping a lot of people to recover their lost funds most especially me I lost $147,000 to a fake wallet Address Adrian Lamo hacker recovered it the same day I brought the case to them, if you’re in these same issues or case you can as well report your case to them through their email: Adrianlamo@consultant.com
Thanks to EthicsRefinance, I was able to recover a whopping $78,000 worth of bitcoin which had been lost due to a fraudulent investment scheme. Their expert team of analysts and investigators went above and beyond to track down the culprits and retrieve my stolen assets. Not only did they help recover my funds but they also provided me with valuable advice on how to safeguard my assets from future scams. Thanks to EthicsRefinance, I can now sleep peacefully at night knowing that my hard-earned assets are in safe hands. Highly recommended!
you can also contact them via
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WEBISTE: www*ethicsrefinance*com
IS IT POSSIBLE TO GET A SUCCESSFUL RECOVERY OF YOUR FUNDS LOST TO FAKE/ILLEGAL CRYPTO WEBSITES OR ANY ONLINE FRAUDSTER/FRAUDSTERS? ABSOLUTELY, YES!
⚠️NOTE:-
☣️BEWARE OF FRAUDSTERS looking to hoax.
If you have had an encounter with any of the following fraudulent schemes; fake brokers, fake bitcoin investment platforms, forex trade, binary option, false investments proposals. If you have been a VICTIM, you are reading the right post 👍🏻
SEAN RECOVERY Inc. is a group of international cyber security specialists bound by one sole aim, which is to render state of the art services involving ethical hacking.
Ladies and gentlemen, I must warn you that the internet isn’t quite a safe heaven, as consistent research has proved out that about 62.24% of people you interact with on the net do not exist. Hence, you must trade with caution ⚠️.
For this reason, SEAN RECOVERY Inc. was founded in the year 2010 and ever since have been trending for successfully carrying out various hacking jobs.
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DISCLAIMER: Bloomberg Incorporations accepts no responsibility for any information, previously given to anybody by clients on as regarding the job. SEAN RECOVERY Inc. will not distribute contact information collected on any hacking job other than in the SEAN RECOVERY’s Hacker’s listings themselves, and will not sell contact information to third parties. Your comfort and privacy is our priority!
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Copyright ©
SEAN RECOVERY Inc. 2010.
All rights reserved.
I am so grateful to Mark Wizard Recovery Solution for helping me recover my stolen tokens from a fraudulent crypto investment broker. I had invested about three months ago, after investing I watched my investment grow gainfully. My problem started when I decided to withdraw. I was slammed with fee upon fees and when I couldn’t pay anymore fee my account was blocked the only help I got from local law enforcement and the FBI was to stay off the internet and not how to get my funds back then I knew it was my mess and I had clean up myself, I did my research I found three recovery experts online with good reviews I contacted all three and got three options which I choose the best and decided to work with Mark Wizard Recovery Solution. Something about Mark Wizard stood out from the others. My guts were right (Markwizard@solution4u.com) was able to recover every penny I lost I don’t know he did it but I am glad he came to my aid at my troubling moment his professionalism trustworthiness helped through that ordeal, Mark Wizard Recovery Solution is one amongst few hackers using it hacking skills to help victims of scam online. Mark Wizard is reliable, you can contact him to help out with that problem you have now.
Thank you Mark Wizard Recovery Solution.
I am writing to share an incident that occurred recently and express my gratitude towards a service that proved invaluable in resolving the issue.
Regrettably, I had mistakenly sent my Bitcoin to the incorrect address, which left me feeling a sense of despair, fearing that my funds would be lost forever. However, in my search for a solution, I came across Wizard Web Recovery, and their exceptional expertise and dedication in assisting their clients have left me immensely grateful.
Upon contacting Wizard Web Recovery and explaining the situation, their prompt response and swift action were truly commendable. Their team acted swiftly in initiating the recovery process, and I was relieved to witness the successful retrieval of my Bitcoin. I cannot emphasize enough how grateful I am for their professional assistance in rectifying my mistake.
Based on my personal experience, I wholeheartedly recommend utilizing the services of Wizard Web Recovery for any hacking-related concerns of this nature. Their capability and commitment to providing exceptional service is truly unmatched. I have no doubts that they will continue to assist individuals facing similar predicaments with the utmost professionalism and efficiency.
If you or anyone you know is in need of a hacking service with the highest standards, I encourage you to reach out to Wizard Web Recovery. Their contact information can be found below:
Website: http://www.wizardwebrecovery [.] net
Email: wizardwebrecovery[@]programmer [.] net
Warm Regards,
Sometimes these online scammers can be frustrating, I got an email about resetting my crypto wallet password and I clicked on it all of a sudden I couldn’t access my wallet and all my funds were transferred to another wallet I keep getting emails on how they were transferring my funds $277,089,00. I was very mad and frustrated I didn’t know what to do. I came across a testimony of a woman who recovered all her funds from a hacker called Adrian Lamo Hacker, I did my research because I never wanted to fall into these online scammer. Immediately I consulted the hacker called Adrian Lamo hacker through their email I rendered my case and they looked into it within some hours they recovered everything I couldn’t believe it until I saw my funds in my wallet and I even sent some out to be sure it was real and God so good it was real. If your case is the same as mine I do Advise you to consult Adrian Lamo Hacker through their email: Adrianlamo@consultant.com
CRYPTOCURRENCY SECURITY/ WILLIAMS RECOVERY TEAM
Contact Email: William-Mercado@cyber-wizard.com
Hi, I’m SHINE. I’m from South Korea living in New York, United States. I am an American tech blogger, web developer, writer, and technology executive. I want to tell you all about a Modern Cryptocurrency Recovery Company. WILLIAMS RECOVERY TEAM is the best cryptocurrency recovery expert to carry out your request and provide solutions to your bitcoin recovery problems. They provide their clients with tailor made asset recovery plans that match their budget and take into account the individual aspects of the case, providing their clients with the best value for their hard earned money. They use state of the art Cyber Tools, Software Solutions, closed databases, Open Intelligence (OSINT), Human Intelligence (HUMINT), Cyber Intelligence (CYBINT), and Financial Intelligence (FININT).
Contact info:
Mail; William-Mercado@cyber-wizard.com
There are so many things that are possible in this world of technology, I don’t believe that a lost cryptocurrency can be retrieved or recovered, I lost the sum of $87,680 USDT on a fake trading platform. I felt so bad because I invested all I had into these, I told my co-worker about this issue and she told me that I had not heard of Adrian Lamo Hacker and I said no, she told me they are professional hacker with the best recovery experience, I had to contact the hacker and showed them all the necessary prove they requested within 48hrs they retrieve all my lost USDT back. I am very happy and excited because I never thought I could recover my lost USDT. Here’s a contact for professional hacker Email address: Adrianlamo@consultant.com they are reliable
HOW TO INVEST ON CRYPTOCURRENCY
I’d like to share this with anyone who is considering investing in cryptocurrency but has little knowledge of how it works. I was a victim of cryptocurrency fraud and lost $897,000 in Bitcoins, and if it hadn’t been for the intervention of WIZARD LARRY, a reputable cryptocurrency recovery company, I would have lost my money for good. I started into bitcoin investment with little knowledge of crypto and was coined by a group of scammers. WIZARD LARRY, thank you so much for restoring my crypto and assisting me in recovering my money. If you must invest in cryptocurrencies, please proceed with caution and seek additional information. And if you’ve lost money like I did, I recommend contacting WIZARD LARRY RECOVERY to help you retrieve it.
Email: Supportwizardlarryrecovery.com
Whatsapp: +1 (205) 319-6886
Website: http://Www.wizardlarryrecovery.com
Only a tiny percentage of professional hackers have the specialized hacking abilities and knowledge needed to recover lost Bitcoin. Although there are numerous websites dedicated to rehabilitation, it’s vital to use caution because the majority of them are run by con artists who make an effort to pass for the real deal. Finding a reliable hacker like SPYHOST CYBER SERVICE is preferable. A first class hacking hacking team that can aid in the recovery of your misplaced cryptocurrency. A hacking organization that can aid in the recovery of your misplaced cryptocurrency. I lost $298k in BTC to bitcoin mining, and SPYHOST was able to retrieve it. For this, I am very grateful. Spyhost cyber service can be reached by email at, Spyhost@cyberdude.com and whatsapp : +1 (608)359-5722
To many unsuspecting victims of online crypto investment fraud just like me who only wanted to make an extra income aside our daily jobs by doing something else for more cash are being victimize to these online trading Ponzi schemes good news is you can recover your money back thanks to MARK WIZARD RECOVERY SOLUTION. If you have ever lost your Crypto Assets to internet scammers, you can reclaim your funds with the help of this Expert. MARK WIZARD RECOVERY SOLUTION , is a licensed Cryptocurrency Hacker who specializes in recovering lost cryptocurrencies. After losing more than a hundred thousand dollars ($100,000) of my hard earned money to those Godless pigs, on contacting Mark Wizard his team swung into action and in a couple of days my recovery was successful and I got my money back. I was shielded from an online scam thanks to the Expert . If you are a victim looking for an ethical hacker to help you get your money back, contact MARK WIZARD RECOVERY SOLUTION through their support Team:
WhatsApp Number: +1 509 312 0146
Email: MARKWIZARD@SOLUTION4U.COM
The techniques for retrieving misplaced Bitcoin also advance with the cryptocurrency world. Technocrat Recovery closely monitors new developments in technology and developing trends in the industry. By remaining on the cutting edge of Bitcoin recovery methods, they guarantee that their clients receive the best and most recent remedies possible. Technocrat Recovery never takes its success for granted. They are dedicated to developing recovery methods and making constant improvements. They work hard to provide their clients the best opportunity of getting their lost Bitcoin back, whether that be by research, working with experts, or investing in state-of-the-art solutions. You can rely on Technocrat Recovery to do everything in their power to retrieve your priceless digital assets for you. Email Technocrat Recovery with the below Informations:
Email: technocratrecovery(@)contractor(.)net
Website: http://www.technocraterecovery.site
Whatsapp: +1(573)356-3708
The cryptocurrency market is extremely unpredictable, and many people have fallen victim to internet fraud and lost some of their cryptocurrency investments. I too fell for phony telegram personnel. Due to a security breach at my wallet address, I lost all my cryptocurrency coins totaling 10 BTC. My home may have been forfeited if I hadn’t been able to successfully recover my crypto coins, which made up the majority of my savings and assets. This grieved and depressed me greatly. I complained online, and Century Hackers Recovery was suggested to me. This cryptocurrency recovery company saved my life by assisting me in recouping all of my losses in under six hours. To complete the successful recovery of my cryptocurrency assets, I went ahead and provided the essential requirements and pertinent information. I was ecstatic when I got my coins back. Kindly Contact them via (century@cyberservices.com ) website: https://centurycyberhacker.pro/ or Telegram : @Marvels109 they help me recover all my stolen funds back.
ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.
ASOREHACKCORP is a financial regulator, private investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
asorehackcorp@ gmail com
Stay Safe!
I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, Elite Wizard Bitcoin Recovery, who helped me recover my money from these fake investors. It took Elite Wizard Bitcoin Recovery 48 hours to recover my money and I was able to track down these people. I’m truly grateful for their service and I highly recommend them to anyone with the same problem.
Email: eliterecovery247@cyber-wizard.com
Call: +1 (256)-472-0901
WhatsApp +1 (805) -386-9670
In search of help??, you need help spying on your spouse, or you need help getting information from their phone and you want this to be done without been noticed you just contact Brillianthackers800@gmail.com Via Whatsapp +14106350697, They deliver jobs right on time and they carry out jobs discreetly.
Hey my name is Leilah Abdullahi from muscat Oman, Imagine how happy it is when you meet with the best hackers that gives you remedy. I lost my Bitcoin some days ago but believe me, when I met with Spyhost Cyber Security Company my hopes were renewed . I can’t explain their endless efforts towards the recovery of my Bitcoin worth $167k. It took them only 72 hours to recover it back. Thanks to SPYHOST CYBER SECURITY COMPANY for their utmost efforts as i had never experienced or believed the trueness of sucessful digital currency recovery process until they gave me a hope and got my plight turned into a testimony.Incase you are a victim of such situation and you need help , Contact them via email: [Spyhost@cyberdude.com] and your sorrows will be turned to joy in’sha’allah
BTC AND CRYPTO CAN BE RECOVERED WITH THE HELP OF SPYWEB CYBER SECURITY
The most devastating thing happened to me a few weeks ago when I mistakenly lost access to my crypto funds containing the sum of $908,000 in Bitcoin and another $78,000 in Ethereum. I was broken down and traumatized until a close friend of mine told me about Spyweb Cyber Security Services, a reliable and secure crypto recovery company that offers the best professional service for crypto recovery. I’m truly grateful for the help of Spyweb Cyber Security in recovering my funds and giving me access to my lost crypto. I could have never imagined it was even possible to get it back until I came across Spyweb Cyber Security. You can reach out to them via their website or contact information below
E-Mail : SpyWeb @ CyberDude . Com
What’s App : + 1 3 2 3 9 0 4 8 8 2 4
Juliet and I want to utilize this platform to warn everyone about Cryptocurrency scams. Juliet and I were struggling financially a few months ago before a friend of mine gave me the name of a reputable and trustworthy company where I was assisted in recovering my stolen BTC and USDT. I accidentally transacted with a fake company, which led to my involvement in crypto investment fraud. I attempted to invest in Crypto, and I was conned out of $600,000 worth of Cryptocurrency. All thanks to Spyweb Cyber Security Service, A reliable and secure source to recover your crypto. I’m thankful we were able to get back our money. You can contact Spyweb Cyber with the information below.
( email: SPYWEB @ CYBERDUDE . COM )
( whats app: + 1 3 2 3 9 0 4 8 8 2 4 )
( website: SPYWEB . TECH )
Goodluck
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HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/