Take over half the world for spices. Refuses to use any of them in their food

You can make adjustments to your W4 after each bonus based on your calculations from the bonuses you have received that year and projecting a very conservative number for the next one (or use zero).

Ideally you want to let the government borrow as little free money as possible

If you know the size of your future bonuses , you can change your regular monthly withholding via the calculator to factor that in

Read the side bar, specifically the prime directive

The step after meeting the bare minimum for your employer march is to then pay down high interest debt

There’s no point putting in money for 8-10% returns when you have CC debt charging you 20% interest

How does your employer matching work? Is it required you put in 8% for that 3% match?

Almost anything is better than just sitting in a savings account

529 is the clear answer here for the major tax advantages unless you think he’s very unlikely to have education expenses

What exactly is is your pretax salary and are you confident your retirement effective tax rate on X needed income would be higher than your current marginal rate

If you have any money in a trad IRA, this is a great time to do a Roth IRA conversation.

You definitely can not contirbute to a trad IRA and if you were low income you'd much rather contribute to a roth IRA if your future income is going to rise again.

You mentioned you were high earners in the past and have not been able to "deduct" trad IRA contributions. Does that mean you've been doing backdoor roth converstions already?

Does her plan cover the nearest tertiary academic center ? If she literally can’t keep food down that’s enough for an inpatient admission and likely scope

Took me 30 minutes of repeatedly trying to log in