Happy New Year! As a federal employee, I did not understand the tax situations, including how pension, Social Security, and TSP withdrawals would impact my overall tax obligation. I have been quite occupied with understanding the tax implications that could affect my retirement investment portfolio if I do not implement withdrawal strategies correctly during retirement. I have successfully built a nice retirement nest egg through my pre-tax traditional TSP account while working in the Federal Government. At present, I am exploring ways to manage my tax responsibilities without incurring losses. I have sought advice from several financial advisors and planners to help me understand the withdrawal strategies required due to Retirement Minimum Distribution (RMDs), social security, and Medicare. I have decided to hire a company that provides a fee-only service (one-time fee) to create a plan detailing the withdrawal strategies concerning the timing and amounts. Once, I get the information, I will move the money to a Roth IRA so that my money can grow tax-free. I am still watching the Wealth Twins' videos and reading what's being posted on the Smart Start Investing platform which is helping me to keep my sanity.

I’m thankful for the financial education that put me on a strong path before a car accident that totaled my car and an expensive move to be closer to work. Even though I‘ve been thrown off of my dollar cost averaging plan, I've been able to enjoy the fruits of the financial foundation I built before the accident. My emergency savings helped big time. Despite the increased spending on all kinds of things that I need now, I’m still nearly debt free. Very soon, I’ll be back investing. Knowledge is power and ignorance is expensive. I’m glad that I joined this group. I’ve learned so much. Big love to you all who continue to share your wisdom. It’s helped me so very much.

I'm reading that the ETF QQQm (NAV $240.74) is cheaper and has a lower expense ratio (.15%) than QQQ (NAV $584.29, .20%). How did I not catch that? Why would there be 2 ETFs with the exact same holdings and almost the same name? I missed on this one. @Nadia B @Nicole C. is there any silver lining to my mistake?

I have to cut up m two credit cards or freeze them. Is it a want or a need? That is what I'm am now faced with now even though I have eliminated some debt already.

Hello everybody. I need to buy a new AC unit for my rental property in Louisiana. What are some good options for financing this? I don’t have a large profit margin between mortgage and what the renters pay. I am looking at installment loans on Acorn, QuickBooks and home equity loans. Does anyone have experience with this? If so, what worked for you?