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Anxiety for no reason and it’s killing me!
Does anyone know if the same 401k rules apply at EY as Accenture so they will cap the contributions coming for your check say if you hit the yearly limits in August? So if you hit the 22,500 in 23 there is no way to go over for tax issues. Thinking to frontload next year contributions if market is down. EY
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Do the math in excel on total outlay and make decision?
Also depends on how much cash on hand you have
Excel has a Loan Amortization sheet. Do a comparison for both of them and see if it makes sense for you or not.
DM if u need that, I had done a 3 rate comparison n took a decision.
It’ll take you ~4-5 years to earn back in saved interest the 3k fee you’re going to pay? For me that’s too long
+1 to MCK1 said. I paid 2k to bring the rate down and for me the 2k pays off in 4 years (on a 30 yr mortgage) - so for me it made sense.