Lazy But Talented

It happens. Been in this house less than 6 months and ive got caulking gaps everywhere.

Depends on how skilled the painter/trim carpenter is, product used, shrinkage, etc.

I’m trying to figure out the structure for saving for them. Not just college...but for things like weddings, first car, down payment, emergencies, whatever life brings.

Are there scenarios where you would not contribute to a 529 at all? Curious where folks draw the line.

Context: 2 kids under 5.Only debt are the mortgages (1 is a rental). Maxing 401ks.

My current thinking (tell me if I’m off base):

1) 529
Concern: What if they don’t go to college or don’t need all of it? I know there are options (trade school, grad school, K–12, reassignment to another kid/relative, and the newer Roth rollover path with limits), but it still feels less flexible.
Short-term perk seems to be tax advantages.

2) Brokerage in their name
I really don’t want them to have full control at 18/21. I’d rather be able to direct funds as we see fit. Not sure I will even consider this option.

3) Keep building our own brokerages and gift as needed
Total flexibility and control. Use it for college or anything else, whenever it makes most sense. Or use the cash to acquire other assets (Real estate etc that they can eventually inherit.)
Con: no tax-free growth like a 529, and there’s the annual gift-tax exclusion to think about.



What I’m trying to decide:
Do you do a “balanced” approach (modest 529 + bulk in our brokerage)?
Or do you go big on 529 and trust that between reassignment/rollover/options, it’ll be fine?
Or skip 529 entirely and stay flexible?

Just doing my best to keep up with wife's transactions.

It's a nice visual tool. I like the auto-category for Amazon, I just wish I didn't have to re-link it so often.

I check it frequently, but don't use the budgeting tool or anything. I just try to make sure numbers are trending in the right direction, and love seeing a consolidated view of all the accounts.

Man I miss lifetime so much.

As a WFH guy it was really nice to get out and go there for a bit each day.

:cheers:

I'm in my mid-thirties and noticed this started happening right after I turned 30. Always some small nagging injury or something going on.

I remember when people used to say something about their feet hurting when they hit the ground for the first time in the mornings. Well I've made it. :lol:

You go straight blade to the spot? or you use one of the guards?

Great series. Did they really have to do all this cheating though? Play fair.

They both acted horribly after too.

:lol: yeah I didn't know who most of these people were

Probably a pretty wide margin of net worths throughout the whole field.

Yeah I'm on it! I've asked some questions about my set up and what not there.

But was just seeing if we could garner any interest in a TD exclusive league :lol: