u/5w20

▲ 1 r/personalfinance

Wife and I have 2 accounts each. Both 42 years old. Contributing the max we can for the time being. Just trying to get an idea if the accounts should remain as is or is there a benefit to consolidating the accounts from former employers. Any thoughts would be appreciated.

Wife:

Current Employer Principal 401k - $45k
- 2050 TDF
Previous employment Traditional IRA - $200k
- Managed by Morgan Stanley and paid for by well off parents
  - Jennison Large Growth SMA 60%
  - Maps Dividend Equity 40%

Me:

Current Employer Simple IRA - $40k
- Invesco Tech Fund - 53.93%
- Invesco S&P 500 Index - 24.01%
- Invesco Summit Fund - 22.06%
Previous employment Fidelity 401k - $300k
- 2050 TDF

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u/5w20 — 8 days ago

▲ 3 r/Decks

Crappy old wooden landing and stairs. The trash cans sit on the landing at the bottom and that door is really only used to bring trash from the house to the cans. I want to rebuild so it comes straight out instead of exiting to the side. I want it to exit onto the platform that leads to the backyard patio. Here' the size I'm thinking

21 inch raise
51 inch depth
54 inches wide

I would like to have a 21-24inch landing and then 3 steps. My question is in regards to the small landing. Its its attached to the house with a ledger and hangers, do the 4x4 posts 21-24inchs out need to be buried below the frost line for something this small? AI photo of general design

u/5w20 — 11 days ago