One of my earliest posts was about saving envelopes and using them frugally for scrap paper for notes and even containers for other notes. Another post was about taking a Navy shower to save money on the cost of water, given it was only during the summertime. I’m sad to say that I don’t do… Continue reading My Frugal habits have changed with time
US Social Class Analysis
The following was created in GPT-5, using the most commonly accepted US social class info. AI Prompt: what is the most generally accepted social class names and percentiles in the US? The following is what was created (I asked GPT to add income, in a 2nd prompt): U.S. Social Classes with 2024–2025 + Income Ranges… Continue reading US Social Class Analysis
Life Advice song
If you are getting close to retirement, for me this song has a lot of value. I haven’t been riding enough… So what does “Ride” mean? Maybe international travelling and experiencing different cultures, or perhaps getting out and about before you hit walls that prevent your from doing so. Maybe you can make the magic… Continue reading Life Advice song
529 to Roth IRA Rollover Rules and Thoughts
From College Savings to Retirement: How to Roll Over a 529 Plan to a Roth IRA The SECURE 2.0 Act has introduced a game-changing provision for families with leftover 529 college savings: starting in 2024, beneficiaries can roll over up to $35,000 from a 529 plan into their Roth IRA—tax- and penalty-free. This offers a… Continue reading 529 to Roth IRA Rollover Rules and Thoughts