I added my September budget in to my spreadsheet, and unfortunately I don't currently have enough wiggle room before 9/15 to contribute all the retirement funds. I might later, when some checks come in. We'll see.
I did have enough leeway to make a small contribution to AS's Roth and max it out for the year, because I remembered it wasn't far off the limit. I went in and it said I could contribute $144.85, so I did. Then, I happened to glance at transaction history and realized that only came to a little over $4500 of Roth contributions for the year.
After doing a bit more digging, I realized that the traditional IRA I'd accidentally opened when I was trying to open an SEP for AS was showing $900+ of contribution. I did get them to transfer that to an SEP instead, so I'm hoping I can get them to fix that. Not sure how strict the rules are, but I emailed to ask. Oh well, if I can't max AS's out this year I'll just work on my and NT's next, and start afresh for her when I can.
Thought I'd maxed the first Roth, but ...
August 4th, 2015 at 05:35 am
August 5th, 2015 at 02:48 am 1438739289
Hope you're able to move the funds to where you want them.
August 5th, 2015 at 03:16 am 1438740986
Ugh, retirement saving is so much more confusing and complicated than budgeting and paying down debt! No wonder I ignored it for so long!
August 5th, 2015 at 10:50 am 1438768202
Yep, it can be confusing, yet so rewarding in the end.
August 5th, 2015 at 06:17 pm 1438795032
Anyway, having that snowflake is a nice boost. I hope you'll go for it
August 5th, 2015 at 06:41 pm 1438796462
I also wonder if it's because I have too many credit cards open. I have a bunch of old ones I haven't gotten around to canceling. Maybe I'll do that and then try again. If I get rejected again I'll ask them why.