I am very interested in this field. Could you recommend the best way of getting into these careers and what skills are most important?

Yeah and that’s very difficult to do, because my funds are spread out all over in different quantities and proportions, so I can’t just consider the pre-tax assets and post-tax assets equal to reach my asset allocation, ratio right?

Ok let me explain in the most basic way:

Assume I have $100 to invest and I split it between VTI and BND in a 60:40 ratio ($60 in VTI and $40 in BND), so my asset allocation is 60:40.

Now, assume the VTI sits in a tax-advantaged account like a 401k or IRA, and the $40 of BND is in a taxable brokerage, so that $60 is actually pre-tax dollars, while the $40 is post-tax dollars.

If I assume my tax rate in retirement would be 10%, the $60 of VT is effectively $54 of assets I own.

So my actual asset allocation is $54:$40 or 57:43.

That’s what I’m trying to say.

Ok let me explain in the most basic way:

Assume I have $100 to invest and I split it between VTI and BND in a 60:40 ratio ($60 in VTI and $40 in BND), so my asset allocation is 60:40.

Now, assume the VTI sits in a tax-advantaged account like a 401k or IRA, and the $40 of BND is in a taxable brokerage, so that $60 is actually pre-tax dollars, while the $40 is post-tax dollars.

If I assume my tax rate in retirement would be 10%, the $60 of VT is effectively $54 of assets I own.

So my actual asset allocation is $54:$40 or 57:43.

That’s what I’m trying to say.

If you work remotely, wherever your ass is sitting is where your company is working from. So if you say you live in California, but really live in OH, then your company will be withholding taxes in California, not Ohio. This is a BIG problem for the company because they can be fined for not withholding Ohio taxes and not contributing to OH unemployment. They can also be fined if they have not registered with the State of Ohio.

Compared to Texas, apartment rent in or near Seattle is going to be higher. Washington has no income tax, and Texas doesn't either so there's that. Washington has very high sales tax, but not on groceries.

I suggest you rent convenient to your job, because car commuting from Bellevue or Kirkland to downtown can be brutal. And if the job is not downtown, you might be better off renting close to the job.

Start learning where the Sounder trains and the light rail go. If you need to take a bus to work, a one-seat ride (no transfer needed) is the best. Apartment rent, like real-estate, varies depending on supply and demand (location) so start learning the market on-line.

A lot of variables at play here so do your research.

Would love to keep the car I inherited from my mom, a 2001 Subaru Forester with under 84k miles, but it needs a new engine to the tune of around $10k. I’m planning on getting a new Subaru.

Ok let me explain in the most basic way:

Assume I have $100 to invest and I split it between VTI and BND in a 60:40 ratio ($60 in VTI and $40 in BND), so my asset allocation is 60:40.

Now, assume the VTI sits in a tax-advantaged account like a 401k or IRA, and the $40 of BND is in a taxable brokerage, so that $60 is actually pre-tax dollars, while the $40 is post-tax dollars.

If I assume my tax rate in retirement would be 10%, the $60 of VT is effectively $54 of assets I own.

So my actual asset allocation is $54:$40 or 57:43.

That’s what I’m trying to say.

Yes. If you use 2 funds, buy the same funds in identical proportions in each tax status.

> would be less than financing

Well, at the end of 3 years, you would own a financed car.

At the end of 3 years, you turn your lease back in.

Leases are a great way to be spending money perpetually. And lest anyone say something about "unreliability" - the average age of cars on American roads is 12 years. You're fine keeping what you've got.

It’s the same price as financing.

There’s just a call option at the end.

Leasing is a luxury for people who would buy a car every 3 years, which most people aren’t rich enough to do.

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ask at r/scams, if this is a scam they will give you all the details

No

Asset allocation is what sort of assets you own.

I don’t actually understand what you’re asking for at this point

Isn’t split and asset allocation the same thing? Or am I missing something?

I’m not sure what you’re saying. Split and asset allocation mean the same thing right?

Okay, so the breakdown.. Firstly, I find when people want something, they will 100%, 9 out of 9, LIE to themselves (and others) to make the math work by 'under-approximating'. And, secondly, I'll make some assumptions about mileage at 20mpg, $3.19/gal for fuel and I'm using 2hrs even for drive time @ 60mph so 120mile drive ea/day. So, here's my take (AND, thank you for the problem, as I was bored): 42k = 20.19/hr, 60k = 28.85. Of that, you can factor approx. 104hrs (52days) in drive time (current) = $1049(lost ducats)/6240miles ($995.28/gas) OR $39955.72/yr with an estimated drive time (future) of 260days or $5249.40 (lost ducats)/31200miles($4976.40/gas) equals $49774.20. Fed tax bracket is the same, so it's a 10k bump but you gotta spend more time going to-fro which increases risks (accident, etc). Is the 10k worth it? Only you know. GL!

Yet the money isn't good enough to move closer to the job?

Homes in that range would be $2000 - $3000 a month. That's a large portion of your take-home pay. That's not even accounting for property taxes.

Edit: I didn’t factor in your downpayment so it’s be more $1500 - $2500

Same.

I love wfh, and I’m a big proponent, but without the connections I made in office early in my career, I would not have the job I have now.

With that said, 45 minute commute each way can be brutal. I’d be on the lookout for something higher paying closer to home, or look to move closer.

Oh wow, wait… so you’re saying he wouldn’t pay any tax in retirement if his only income is SS + 4% or less withdrawals from the retirement accounts?

Just making sure.. SS for him would be ~$3400/mo, wife would be $1700, and 4% withdrawal is another $1kish a month. Is it really under the standard deduction amount making the whole thing tax free essentially?

So if that’s true, even the traditional IRA or 401k withdrawals will forever be withdrawn tax free if the above withdrawal pattern is followed?

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If you can join the military, they will pay for any school you can get into. You should be able to sign up for 4 years and use your community college credits to rank up immediately (at least in the Air Force). You will learn whatever job you get. You will have four years of experience in that job. You can probably get a job right out of the military. Then you can go to school for free, and they will also pay your housing while you go to school.

Right in the trash

Ignore it. If you know you didn't do it, then its not your problem. They could potentially use your number as evidence, for example, they call your insurance company and say you hit their car. Suddenly they have pictures, your name/number (possibly to say you gave it to them after it occured), etc.

Not worth the risk.

You will likely earn back your investment if you take your last two years to go to university. However if you really feel nervous about taking out the loans and don’t want to go on to a four year college, look into courses you can do at community college that qualify you for a decent job without needing to go on to a four year university.