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@donholo Make sure you file for taxes, even though you don’t strictly have to. You may have earned income credit coming your way.

@metaole Id do your taxes early and figure out if your MAGI is under the Roth limit for 2023, you’re close. Too bad you can’t lower it with 401k contributions. Ask your employer if they’ve thought about doing a safe harbor plan. I’d also see if they’d let you put your Ira into your 401k plan as...

@metaole I’d save something. Dorms, books. Not as much though. Just throw $50 a month in.

@metaole I’d increase 529 funds with the child support once daycare is over. Your child is unlikely to get need based aid and you’d hate to have to take out parent plus loans. Anything over 6000 a year they need to borrow, your child will need a cosigner. Which means they’re your loans. I’d look...

@eishtmo Plans change. I’d take the bird in the hand. 2 years goes by quick the older you are, and if they leave before 2 years, they still have what they contributed

@israelarb At your age, that’s basically what a target date fund would put you into anyway. It should have low fees and be diverse. You’ll want to look at rebalancing in a decade or so