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TX_Tiger23
| Favorite team: | LSU  |
| Location: | Seabrook, Texas |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 149 |
| Registered on: | 8/5/2013 |
| Online Status: | Not Online |
Recent Posts
Message
re: Last minute trip ideas
Posted by TX_Tiger23 on 4/14/26 at 7:09 pm to animalcracker
San Diego
0
re: Anyone started eating sardines? Super food?
Posted by TX_Tiger23 on 4/12/26 at 11:26 am to cssamerican
Where do you live that there’s a run on sardines. Yeah, it’s become somewhat trendy because of the health advantages but I can still walk into any grocery store and find them.
re: Checking account for a child
Posted by TX_Tiger23 on 4/11/26 at 9:58 am to Motorboat
Capital One Savings is what I would recommend, not checking. Checking is good when she’s a little older and needs it when she’s out with friends, has a job etc.
re: Life Insurance Payout
Posted by TX_Tiger23 on 4/10/26 at 6:50 am to Chad504boy
First, what is a “whole term” life insurance policy? Second, he won’t have any estate tax issues unless the government suddenly changes the law from $15 million+ per individual to something much lower.
re: Baruch College
Posted by TX_Tiger23 on 4/10/26 at 6:46 am to Alyosha
If he sticks with finance tell him to take as much accounting as possible. An accounting degree can transition to finance fairly easily but a finance degree can’t jump into an accounting position. I have a finance degree. Also, begin networking and following people in positions he wants on LinkedIn.
re: Municipal Bonds - tax exempt breakeven vs Money Market (Iran Conflict)
Posted by TX_Tiger23 on 4/8/26 at 10:03 pm to Everyday Is Saturday
Can also be charitable…in 2026 $111k of RMD can go to non profits and avoid taxes for you. Meaning I don’t know what amount it will be when you hit RMD age but it’ll be high.
re: Municipal Bonds - tax exempt breakeven vs Money Market (Iran Conflict)
Posted by TX_Tiger23 on 4/8/26 at 6:01 pm to Everyday Is Saturday
You can do short term muni’s to avoid too much interest rate risk just like you’re talking with a taxable money market. You can even do tax free money market. But with short term bonds and money market you’re subject to interest rate cuts by the Fed.
You can build out a muni bond ladder or a muni bond ETF ladder with bullet maturities to reduce interest rate risk.
But I do agree with being aggressive with conversions now to avoid an unpredictable tax burden from RMDs in the future. Especially since it sounds like you’re young enough where IRMAA will be irrelevant for a while.
And be cognizant of the 5yr rule if you’re under 59.5 with the conversions.
But basically I think the question is not so much to use muni’s or not but how much interest (inflation) risk you want to take. You can use taxable or tax free’s depending on the bracket you’re in. There are some great short term bond ETFs from PIMCO, Fidelity etc. And they have both muni and taxable ones. Not quite as safe as money market but you’ll get more yield too.
Hope this helps.
You can build out a muni bond ladder or a muni bond ETF ladder with bullet maturities to reduce interest rate risk.
But I do agree with being aggressive with conversions now to avoid an unpredictable tax burden from RMDs in the future. Especially since it sounds like you’re young enough where IRMAA will be irrelevant for a while.
And be cognizant of the 5yr rule if you’re under 59.5 with the conversions.
But basically I think the question is not so much to use muni’s or not but how much interest (inflation) risk you want to take. You can use taxable or tax free’s depending on the bracket you’re in. There are some great short term bond ETFs from PIMCO, Fidelity etc. And they have both muni and taxable ones. Not quite as safe as money market but you’ll get more yield too.
Hope this helps.
re: Is seafood the best food?
Posted by TX_Tiger23 on 4/7/26 at 9:10 pm to Fight4LSU
Fajitas literally means skirt steak…not chicken.
re: Municipal Bonds - tax exempt breakeven vs Money Market (Iran Conflict)
Posted by TX_Tiger23 on 4/7/26 at 8:40 pm to Everyday Is Saturday
This is very confusing and you might want to edit.
You have a lump sum that is non-qualified, so you mean a severance or early retirement payment? If it’s non-qualified why would you live off of it until it runs dry? You’ll be in a low tax bracket. Convert portions of IRA to Roth.
What do you mean by a 3 year window?
Why are you comping money market and the muni market?
Muni’s are great if you’re in a high tax bracket. But if you’re retired and in a low bracket focus on Roth conversions, not spending a taxable account for the next 3 years.
Again, not trying to be rude just trying to understand all of the variables.
You have a lump sum that is non-qualified, so you mean a severance or early retirement payment? If it’s non-qualified why would you live off of it until it runs dry? You’ll be in a low tax bracket. Convert portions of IRA to Roth.
What do you mean by a 3 year window?
Why are you comping money market and the muni market?
Muni’s are great if you’re in a high tax bracket. But if you’re retired and in a low bracket focus on Roth conversions, not spending a taxable account for the next 3 years.
Again, not trying to be rude just trying to understand all of the variables.
re: Making 1099 money on the side. Tax help.
Posted by TX_Tiger23 on 4/7/26 at 9:53 am to jlovel7
SEP IRA. Can contribute up to 25% and will reduce your tax.
re: Cabo in July
Posted by TX_Tiger23 on 4/7/26 at 9:41 am to Potchafa
The sushi restaurant was ok but nothing I’d do again. Their pizza place is excellent!
re: Website or message board for general financial advice
Posted by TX_Tiger23 on 4/3/26 at 5:24 pm to Tiger4life306
Agree. But an example is what you can use for a QCD. It didn’t realize you can’t use a full RMD amount via QCD. Meaning a QCD is maxed at $111k but someone’s RMD might be $200k. That’s a pretty big deal to understand.
re: Website or message board for general financial advice
Posted by TX_Tiger23 on 4/3/26 at 9:34 am to Tiger4life306
The info it gives you is also incorrect a lot of the time. Using AI for definitive answers is not a good idea. Use it to get started but I’d always suggest verifying the info before believing it’s 100% factual.
re: Need a recommendation for Pinot Noir
Posted by TX_Tiger23 on 4/2/26 at 7:33 pm to HebertFest08
He’s a doc, he can afford whatever Pinot he wants. It’s a gift, the doc will appreciate any gift.
re: Need a recommendation for Pinot Noir
Posted by TX_Tiger23 on 4/1/26 at 9:01 pm to tigerrage08
Meiomi is fine. It’s a gift and they’ll be fine with it. Don’t overthink it.
re: Bourbon collection challenges
Posted by TX_Tiger23 on 4/1/26 at 7:53 pm to LNCHBOX
Thanks. Didn’t know nor care to research. Assuming you’re correct, that makes sense and appreciate the response.
re: Bourbon collection challenges
Posted by TX_Tiger23 on 3/31/26 at 8:48 pm to Lester Earl
And Affliction
re: Bourbon collection challenges
Posted by TX_Tiger23 on 3/31/26 at 7:36 pm to SafetyBro
I like it too. But for some reason it’s easy to find with no markup the past 2+ years. Same with the traditional Heaven Hill
re: Bourbon collection challenges
Posted by TX_Tiger23 on 3/31/26 at 7:34 pm to Polycarp
Explain what changes from the barrel to the bottle.
re: wfdt - 3/31
Posted by TX_Tiger23 on 3/31/26 at 7:26 pm to Cajunate
Looks absolutely awesome!
re: Estate planning assistance
Posted by TX_Tiger23 on 3/26/26 at 7:24 pm to REB BEER
Agree. You need life insurance ASAP based on what you laid out. Term will give you (her) the highest death benefit for the smallest premium.
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