True. That is possible as well.

Your plan doesn’t have an option for non-annuity based investments?

Check out 403bwise.org for potential options

Oh I have like 7 accounts for various purposes. Mostly fzrox and fzilx

Nope no fees.

My experience with them was so positive I moved most of my money there.

No. It’d be a manual process

What is the purpose of the money?

You can just periodically transfer most of the funds to fidelity and invest for free.

You don’t have an option to not pay. It just comes out of your paycheck.

You give them authorization to deduct that as part of the approval process.

You generally can’t just not pay it as the payments come from payroll

It’s usually the starting point for the bidding, not the price

> A traditional IRA is pre tax dollars, right? So when we calculate the total ratio, all the assets must be considered post-tax right? So how’s it wrong?

Because it’s not a consideration because he can withdraw it all and have a large tax liability or withdraw none of it and have no tax liability.

Plus he doesn’t have enough money to put this much effort into a few percentage points of assets or way or the other

Read the tax efficient asset allocation at the bottom of the following link

Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics

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

And this is wrong. It’s not. A traditional account doesn’t get a discount.

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.

No

Asset allocation is what sort of assets you own.

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

Just throw it away. Karen’s gonna Karen

Investing earlier tends to outperform DCA

Sure but I don’t see how that relates to asset allocation

It means you’re wasting your time

You don’t. He doesn’t have anywhere close to enough money to bother with this much granularity

No because you can manage your tax rate and tax rates change

> My question is: would it make sense to use my credit card even when I have the money and immediately pay it back?

Yes. That’s how you’re supposed to use credit cards

> From what I understand, the more you use your credit card and pay it back on time, the higher your score gets

Incorrect. Usage has no relation to credit score

Credit Card Basics: https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics

Credit Building: https://www.reddit.com/r/personalfinance/wiki/credit_building

What does his tax rate have to do with his asset allocation?

> A) you have a fairly new car most of the time that will likely not give you issues.

New cars cost more.

> B) Warranty/Repairs/Maintenance is typically covered for the life of the leas

New cars cost more

> C) Short term commitment

Very expensive short term commitment. The financially responsible decision is making a long term commitment to a car and driving it into the car.

Get a second opinion on the engine and probably replace it may be the play here. Then just keep driving it

Refund went down: https://reddit.com/r/personalfinance/comments/111j2s2/why_did_my_tax_return_go_down_omnibus_edition/