Money Matters
orangehills
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Which place to use?
So, eventually I'm going to roll DH and mine Roth IRA's into one. Between the 2 of us, we have 3, all at different places. Anyone have any experience with any of these places:
Schwab
Morgan Stanely
Edward Jones
I'm not sure which place to use. Eventually one day, after we're done with saving our liquid cash savings, I'll use that same place to create an investment account to invest any more savings so at least it's earning something while it sits.
Re: Which place to use?
You cannot combine the ROTH IRAs of 2 different people. They are INDIVIDUAL accounts. You can combine 2 accounts for the same person into one account.
I highly recommend using Fidelity or Vanguard. They have good customer service and some good no load mutual funds as well as target funds.
If you can only max out one, you could choose one I suppose. We split the money we have available equally between our two accounts. So, if we can afford $5,000 then $2,500 goes into each one.
We do it this way even though our accounts are completely joint, and we view retirement accounts as "ours" not his and hers. It just seems fair to me.
I second the PP recommendation of Fidelity and Vanguard.
I would recommend splitting it evenly for a couple of reasons (these are just my reasons):
1) I plan to stay home with our future children until they start school. So that will cut the available money to save for retirement as well as be a hurdle for my future career. So not only will I lose out on 401k money during the time, when I do go back to work, I will most likely make less money than I would otherwise. In addition, I foresee myself putting my kids over my career.
2) If, heaven forbid, DH and I got a divorce, it would be much easier to split the retirement savings than having to fight for part of his.
3) Diversity in investments.
Me: 29 DH: 32
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