Depends on exactly what they are trying to avoid disclosing. If it is the source of the $50k for the other half, for example, the bank probably doesn't care about that.

You could also try a margin loan against your investments.

Maybe. What information are you trying not to disclose?

You could get a personal loan rather than a mortgage. But the interest rate will be much higher.

Any occupation generally is any occupation for which you are reasonably qualified by way of your training and background. So, while you should check the language of the policy specifically, they probably would not be able to force you to be a grocery bagger. See https://www.mkdisabilitylawyers.com/blog/change-of-definition-what-does-it-mean-for-my-long-term-disability-ltd-benefits/

Employer provided LTD benefits are taxable, unless you choose to pay income tax on the value of the premium. Your current policy should indicate somewhere a definition of disabled which would tell you whether it is own occupation or any occupation.

10% you probably want to focus on and pay more than the minimum.

Even keeping half of the match is probably worth it. But depends on the interest rate on the loans.

How consistent have the bonuses and profit sharing been. It really is just a judgement call about how likely you are to get them again. Mortgage underwriters look to see if you have gotten them 2 years in a row, and will treat them as likely to continue if you have. The same rule could be helpful to you,but of course you know your work and your company better than we do.

Also, can you make yourself a budget that has the higher rent and still comes out even or ahead if you don't factor in the bonuses? If so, you are probably in good shape even if you are above the 30% rule.

The sooner it goes into a Roth IRA, the sooner you get to stop posting taxes on the earnings.

Maybe. To make sure, are you looking at the full price of the plan on healthcare.gov or a subsidized amount based on your income? If you are eligible for a plan through work you are inelligible for a subsidy. Also, keep in mind you can only get the plans during open enrollment at the start of each year unless you have a qualifying event.

I was disappointed to see they now charge extra for sour cream

Yep. Same with the 43 for Courthouse-Crystal City.

It would. But if you are in a higher tax bracket, the tax deduction is more valuable.

For the reasons you outlined: A traditional contribution is better than a Roth contribution for people with relatively high incomes.

You'll need to file an amended return for last year and claim the money. You'll owe taxes, interest, and penalty on the amount you should have paid last year but didn't. I'd send that to your accountant now to try to get ahead of it.

You are comparing a traditional IRA/401k to a Roth IRA/401k. For high income individuals, the traditional will be better, yes.

Where the backdoor Roth comes in is once you have maxed out the traditional IRA/401k. If you have additional money that you want to contribute but exceed the limits for a traditional 401k, and make too much for a deductible traditional IRA contribution. Then you need to compare to putting it into a regular taxable investment account. And a Roth IRA will come out better than that.

$869 per week is $45,188 per year. minus standard deduction of $27,700 is $17,488 taxable income. Taxes on that income is $1,749. Minus child tax credit of $2000 is you don't owe anything in federal income tax.

To start with, check your account at irs.gov to see where the second payment was credited to. If they credited it as a 2022 tax payment, then yes, you'd report on line 26 of this years tax return and get it back now. If they credited it to 2021 then you will probably need to file an amended return for 2021 to claim it, but I'm not 100% sure on that.

Multiple inquiries at the same time don't have any extra effect beyond just one.

You generally can't make a withdrawal while still working there. I'd continue to escelate within Fidelity and HR. Because a 401k is covered under ERISA, DOL might be able to assist as well: https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa

Get quotes from both and see who is cheaper.

>Yeah fidelity ask me to contact, hr and hr tell me contact fidelity.... so i just pay that extra $40-60 on income tax just to save the headache

Get them both on the phone. It being Roth 401k makes it a huge mess. See last paragraph at https://fairmark.com/retirement/roth-accounts/designated-roth-accounts/contributions-over-the-limit/ You are going to have to pay the tax on the amount, when you withdrawal from the account. Huge mess and headache you don't want following you around for 40 years.

5 year rule applies to earnings, not contributions.

Fidelity should be able to return the excess contribution. I'd follow up with them. But yes, if you don't do anything you'll just pay income tax on the $451 this year, and then be taxed again in retirement.

You can roll over the old 401k to a Roth IRA. That is generally a good idea. The amount you contributed to the Roth 401k is treated as a Roth IRA contribution and you can withdrawal without taxes or penalties at any age.

Almost all credit cards offer a grace period, where you don't owe any interest, as long as you paid the previous statement in full. See https://www.consumerfinance.gov/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/. So you would have at least 21 days (potentially significantly more, depending on where in the billing cycle you are) to then get the 401k loan and pay off the credit card. No credit card interest involved.

Can you put some of it on a credit card and get the 401k loan and or employer reimbursement before the bill comes due?