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NSLDS pull, SAVE exit, RAP vs IBR recert, PSLF file, 2026 tax-bomb calendar, DTI 0.5% recast, one-way refinance door.
Split Tuesday money from dated cash, $10k I-bond cap calendar, T-bill ladder, tax lot at redemption.
Open-enrollment sequence: EOB pull, HDHP test, limited-purpose vs general FSA, payroll vs April 15, Medicare-year cutoff.
SPD two-feature test, 415(c) leftover, same-week conversion, 1099-R boxes, solo-plan trap.
Use-of-funds test, three quotes on the same cash number, CLTV file, when a recast beats both.
Books, EFTPS calendar, SEP vs solo 401(k) by December 31, and when an S-corp is still a vanity plate.
Empty pre-tax IRAs, nondeductible contribution, same-week conversion, Form 8606.
Which payment to kill, student-loan documentation, overtime letters, and when to wait instead of stretching the file.
Two jobs, a side hustle, a bonus — Step 4(c) sized off the paycheck calculator, not folklore about allowances.
12 steps. One pull, fee inside the balance, $440 autopay on the $6,592 example, no new spending on that card. Snowball guide and payoff tool stay free.
Direct rollover language, vesting cliffs, rule of 55, after-tax splits, and the backdoor-Roth conflict.
12 steps. §1091 30 days before and after. §1211 cap $3,000 ($1,500 MFS). Labeled lots save $566. Calculator defaults save $1,038.
12-step: calendar-year test, inbound old 401(k)s, do not roll to an IRA, size the first-year draw, 20% withholding, 72(t) SEPP locked to five years or 59½.
12 steps. $200 extra clears the labeled $1,800 / 27.99% card in month 8 and the $6,400 / 21.9% card in month 24 ($2,022.05 vs $5,706.44 at minimums). Match stays. Federal 6.52% stays on its payment.
12-step: stay length first, all-in PITI, round-trip costs, IRC 121 clock, 3y vs 7y vs 12y.
12-step: two-path picture, 2–3 year sleeve, Guyton-style 10% cut, SS delay as a hedge, RMDs as a floor.
12-step: after-tax coupon vs expected return, 3% vs 7% first liens, liquidity. Gold calculator: hash + bars, extra equity vs invested FV.
12-step: harvest 0% LTCG, fill 12% with conversions, IRMAA two-year lookback, RMDs as a constraint. Free calculator: extra tax vs IRMAA.
12-step MAGI map: convert only the residual, QCD before RMD, SSA-44 listed events. Free calculator: CMS 2026 table + hash.
12-step: QCD $111,000, inherited 10-year clock, still-working 5% test, November calendar. Free calculator: Table III + hash.
12-step household file: name the high earner, size the 67→70 gap, spousal after they file, survivor inherits the delayed credit.
How to layer 529s, Roth IRAs, taxable brokerage, and cash so you do not under-save for retirement to over-save for tuition.
12-step match → HYSA sleeve → HSA → Roth/trad → taxable. Payday calendar, not willpower.
12-step: freeze lifestyle, capture the match on the new base, Step 4(c) off remaining checks, named HYSA sleeve.
12-step titles audit: ERISA spouse waiver, IRA contingents, TOD/POD, life-event calendar.
12-step FHA vs 5% vs 20%: cash-to-close, PMI years, gift letter, DTI.
12-step: stay vs hop widget, then vest, health, commute, year-one vs year-three vs raise-in-seat.
12-step: inventory, new money first, specific-ID, do not cross NIIT or IRMAA to tidy a ticker. $80k example saves $907/year.
Logged in NOTES.md on 2026-09-08 (mega backdoor Roth cluster). Restore at /account.