Yes, you can recharacterize the tax year and not have to redo your 2022 tax return. For most people, Roth IRA contributions have zero impact on their taxes, so don't even get reported on your return.

The one exception would be if you or your spouse qualified for the "saver's credit" on your 2022 return, that's a tax credit given for you saving for retirement. But even then, an amendment would only be necessary if the extra 2022 contribution from the recharacterization increased that credit.

For the Anesthesiologist Assistant Masters, do you have the right pre-requisites from your Bachelors? Are you going to take the MCAT? Or GRE?

This is a career path I talk to my kids about. It does seem to be a very good path to a good income.

18k a year for 45 min drive? I would say absolutely. My wife and I both drove a hour one way each day for our jobs. My wife just recently took a closer job that is 40mins instead of a hour and 10mins. A 1 dollar a hour pay cut. Worth it in that sense. 9/hr? Hell no.

Yes that's a big fear of mine, specifically if I try a self-study route. I have some friends who have had some success with doing post-diploma certificates in fields like data science, but their starting salaries are also less than what I've made serving, which isn't too enticing.

It's part of why I'm either leaning towards a specialized master's program (to "start fresh" after graduation). I could also get a second bachelors in computer science in probably 2 years. It's a big time commitment without a guaranteed payoff though.

You may find this to be even more true about the career paths you listed. Becoming a SWE is tough without the four-year degree to break through the recruiter wall. Many bootcamps, despite the marketing, are money grabs with poor placement results. Be wary.

I did the new Career in CS thing. Applied 2 weeks before classes started to the nearest state school, got accepted for a 2nd BS Degree in CS. Got my CS degree in 5 semesters, taking almost every course the department offered. I took more than I needed to, but specifically wanted to have a good internship once I knew what I was doing, between semesters 4-5.

Got an internship with a non-tech company. They seemed to like me, and I got a job offer to start in January after my last semester. Got promoted 4 times in 5 years. Its not big tech pay, but its very good pay for my very low cost of living area I live in.

Things are a bit rough in the software job markets right now, but in a year or two it could be very different. Also, remember that people complaining on reddit about struggling to find jobs are often doing something wrong. I was reading those same posts when I got my job offer.

(To be clear, I applied for 1 internship and got it. They were taking longer than I liked to get me a formal offer the next fall, so I applied to one other company, but got my offer just after the other company invited me for an onsite interview, and took the firm offer)

I was lucky enough to make the jump to wfh about a year before Covid hit. If I can possibly help it, I'm never going back to in-person again. YMMV.

>The CAA degree seems like such a huge departure from your prior education and degree.

Part of why CAA interested me is it's not actually a big departure from my previous education. I spent my first two years on the ChemE path, which means I have all the chemistry reqs required. I did two semester of biology as an elective too, and of course have all the math (calc, stats) and physics reqs finished. I was surprised when looking at the prereqs that for most CAA programs I'm only missing an anatomy & physiology course, which would be fairly easy to get and I'd actually look forward to the chance to boost my GPA a bit.

I have no experience working in the healthcare industry but do have an interest in it. I won't dive into my justifications but I think it's a field I could enjoy.

This is ridiculous. I work with an international team and we are very tight-knit. You just have to put yourself out there and not be anti-social just because you’re on a computer. I’ve used references from coworkers on the other side of the world and expanded my network more than any pointless water cooler conversation ever could. Remote work makes employees enjoy more free time at home too, so it doesn’t feel like as much of a hassle when coworkers in town want to meet for lunch or dinner.

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Most important questions are, who is the insurer and is it a policy where you pay forever or only a specified amount of years (ie: 10 years).

If we have already completed our taxes for 2022 can I still recharacterize the 2023 back to 2022?.

Thanks for the advice!

Take a look at your illustration and take a look at the surrender values in the coming years. Does it make sense to keep paying the $12k to get at the higher surrender values down the road? I think not as over 100% of the first year's premium is paid to loads and underwriting costs. Sometime paying a few years more if you are ten or more years into the product would make a few more premiums worthwhile but not in the early years of the contracts.

>Is there a reason you can't pursue an engineering job with your ME degree?

To be honest, I remember virtually nothing from the degree. I don't have anywhere near enough experience to get anything but completely entry-level, and I struggle to believe I'd be hired over the numerous new-grads who have the material fresh in their mind and a "cleaner" resume. If I'm going to have to overcome the huge obstacle of having multi-year gaps on my resume, I'd rather it be in a field that I think I have a higher chance of enjoying, as my first experience with mech eng was just entirely negative.

>You seem to enjoy being a server, which generally requires decent people skills. Is a sales engineering role a better fit your skillset/personality?

This is a good suggestion. I'll look into it more. I've always had a bit of a bias against sales positions but it could be a good fit.

Only difference besides the interest rate is that money market accounts will give you checks and a debit card while savings accounts won't. You can instantly move money between Ally accounts on the website or in the app so this really shouldn't matter much.

Glad to help! Keep in mind that if you contributed to a 401(k) at a different employer in 2023, you will need to subtract those contributions from your 2023 limit to avoid overcontributing.

In that case your only recourse as far as I can see is if that is not a legally defensible way to structure the contract. You’d need to do some legal research or talk to a lawyer.

As far as finances, I’d someone is ever trying to convince you of something, it should raise your alarm bells immediately. Investing is actually in general very simple: put your money in to index funds unless you really know what you are doing.

Work life balance is the key to career happiness my friend choose wisely

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Not just gas, wear and tear. 11.5k miles per year assuming 250 working days (250x43).

EDIT: By the IRS mileage rebate standards which include gasoline and damage, it would be $7532 (65.5c/mile). This is based on "an annual study of the fixed and variable costs of operating an automobile." Of course, every situation is unique.

i would have had to do the brakes again soon, then new tires and the shocks were wearing out. my AC broke once and had it fixed by pep boys

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the high mileage routine maintenance can add up

The real question is now much potential gain are looking at after you factor in the expenses (real estate commissions, etc.) of selling the house? Sounds like you could likely qualify for a reduced exclusion under Sec 121.

Is it an easy drive?

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