Re: [TSP_Strategy] Re: S fund

 

Good point. I guess a better way to explain it is after all of my itemized deductions, I end up owing no taxes. This includes my "taxed" Roth.

Also a good point about choosing your withholding. I haven't changed it because I move every 2-3 years, go to college off and on part time, have two mortgages on rental home plus my mortgage, and have two small children.

Basically my finances and deductions vary a lot from year to year, and once I have a budget figured out, I move again and expenses/bah change. I am also one pay raise away from owing taxes irregardless of my deductions.

Keeping my withholding, though numerically isn't the best financial plan, is easier for my chaotic life and keeps the amount in my return from being used for unnecessary things.

It works better for me and my wife at this point in our lives, knowing our situation and personalities. Once I have a more stable situation, I plan to change my withholding.

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Posted by: jarhead_rr@yahoo.com

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