Tyler Echevarria

@UofAlabama Alum and @allvuesystems QA Manager. Football, baseball and food lover. Occasionally plays card games

[Tyler Echevarria @Techevarr]

@MarinersONTap 3-6 with current roster or 8-1 but we get a new addition to the IL

[Tyler Echevarria @Techevarr]

Rye bread and mustard time!

[Seattle Mariners @Mariners]

Dom Slamzone 🤌

[Tyler Echevarria @Techevarr]

@itsDuulan I'm ready for 2 pairs of boots and an F tier trinket

[Seattle Mariners @Mariners]

The show is about to begin.

[Alabama Baseball @AlabamaBSB]

LEGENDARY!

@TylerFay16 I #RollTide

[Tyler Echevarria @Techevarr]

@landonhowell Cant wait. between flights tickets and hotel its gonna be almost as much as buying a real boat

[Tyler Echevarria @Techevarr]

@enosarris @TalkinBaseball_ @trevorplouffe @TalkinJake Ohhh I totally failed to read that * on the graphic. You're all forgiven 😅

[Tyler Echevarria @Techevarr]

@TalkinBaseball_ It's Jr and then everyone else

[Tyler Echevarria @Techevarr]

@itsDuulan actually unplayable

[Tyler Echevarria @Techevarr]

@itsDuulan Sometimes I do them during the meetings

[Tyler Echevarria @Techevarr]

@landonhowell Please tell me it didn't cost a fortune though

[Tyler Echevarria @Techevarr]

@landonhowell These are so good. I do hope they mix the creme jerseys in for other games though cause I really like those too.

[Mark Cecchini, CFP® @markcecchini]

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s.

SOLDIER 1: What’s a 401(k)?

COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old.

SOLDIER 2: So I don’t pay taxes on it?

COMMANDER: Well, you pay taxes later. When you withdraw.

SOLDIER 2: So it’s not tax-free.

COMMANDER: It’s…tax-deferred.

SOLDIER 2: What’s the difference?

COMMANDER: You pay taxes later instead of now.

SOLDIER 1: What if I want to pay taxes now?

COMMANDER: Then you do a Roth 401(k).

SOLDIER 3: What’s a Roth?

COMMANDER: You pay taxes now, and it grows tax-free.

SOLDIER 2: That’s what I thought the first one was.

COMMANDER: No, the first one you pay taxes later.

SOLDIER 1: Which one’s better?

COMMANDER: Depends on your tax bracket in retirement.

SOLDIER 1: …How would I…know that?

COMMANDER: You don’t. You just guess.

⸻

SOLDIER 4: What if I don’t have a 401(k) through my employer?

COMMANDER: Then you open an IRA.

SOLDIER 4: What’s the difference?

COMMANDER: One’s through your job, one’s on your own.

SOLDIER 4: Can I have both?

COMMANDER: Yes.

SOLDIER 4: Should I?

COMMANDER: Maybe.

SOLDIER 3: Can I do a Roth IRA?

COMMANDER: Only if you make under a certain amount.

SOLDIER 3: What’s the limit?

COMMANDER: Changes every year.

SOLDIER 2: What if I make too much?

COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first.

SOLDIER 2: …Is that legal?

COMMANDER: Surprisingly, yes.

SOLDIER 1: What’s a backdoor Roth?

COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”.

SOLDIER 1: Why wouldn’t I just contribute to the Roth directly?

COMMANDER: Because you make too much money.

SOLDIER 1: But this way I can?

COMMANDER: Yes.

SOLDIER 1: That feels like a loophole.

COMMANDER: It is. But the IRS is cool with it.

⸻

SOLDIER 5: I just changed battalions. What do I do with my old 401(k)?

COMMANDER: You roll it over.

SOLDIER 5: Into what?

COMMANDER: An IRA. Or your new 401(k). Depends.

SOLDIER 5: On what?

COMMANDER: The funds. The fees. Whether your new plan accepts rollovers.

SOLDIER 5: What if I just take the money out?

COMMANDER: You’ll pay taxes plus a 10% penalty.

SOLDIER 5: What if I’m 59?

COMMANDER: Penalty.

SOLDIER 5: 59 and a half?

COMMANDER: No penalty.

SOLDIER 5: …The half matters?

COMMANDER: The half matters.

⸻

SOLDIER 3: What’s a mega backdoor Roth?

COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute.

SOLDIER 3: Right.

COMMANDER: But the total limit including employer contributions is higher.

SOLDIER 3: Okay…

COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth.

SOLDIER 3: Does my plan allow that?

COMMANDER: I don’t know. You have to ask Betsy.

SOLDIER 3: Will Betsy know?

COMMANDER: Probably not.

⸻

SOLDIER 2: Can I deduct my IRA contribution on my taxes?

COMMANDER: Are you covered by a retirement plan at work?

SOLDIER 2: Yes.

COMMANDER: Then only if you make under a certain amount per year.

SOLDIER 2: What’s the amount?

COMMANDER: Depends if you’re married.

SOLDIER 2: What if my wife has a plan but I don’t?

COMMANDER: Different limit.

SOLDIER 2: What if neither of us has a plan?

COMMANDER: Full deduction.

SOLDIER 2: So it’s better to not have a 401(k)?

COMMANDER: No…

⸻

SOLDIER 1: Can I just keep my money in a sock?

COMMANDER: You could. But inflation will slowly destroy it.

SOLDIER 1: What’s inflation?

COMMANDER: (sighs)…

[Tyler Echevarria @Techevarr]

@landonhowell Just don't get how that RP cost so much. Unless every prospect ranking service is just wildly off on Ford

[Tyler Echevarria @Techevarr]

@Boggememes

[Tyler Echevarria @Techevarr]

@dieworkwear

[Tyler Echevarria @Techevarr]

@landonhowell Wouldn't be sad about polanco coming back to DH. Garver can walk for sure. Have to upgrade the bench pieces too. Maybe find another lefty in the pen

[Tyler Echevarria @Techevarr]

@landonhowell Baseball ended today I'm afraid. Try again in February

[Seattle Mariners @Mariners]

JumP Crawford. #SeizeTheMoment