Roth IRA are overvalued… if you make a lot of money.

A general rule of thumb is to look at what your tax rate is today vs. what you expect it to be in retirement. If your rate in retirement is expected to be higher, put your money in a Roth. If your tax rate today is higher, take the traditional IRA deduction.

Made complex by absolute uncertainty around future tax rates, but my kids all put their retirement monies in Roth since they have an effective 0% federal tax rate. By contrast, if you are in the 31%+ federal tax bracket, you may want to put your money in a traditional IRA. Or maybe not - perhaps you’ll be even more flush in retirement.

Seriously these are the best Epic Games giveaways in a long time, maybe forever. Both are seriously awesome AAA games.

Also, I don’t believe credits can be stacked. At least not the way I would define stacked. You can get $5 off per item you buy, but you can’t use all of your $15 credits on one order to get free Cheez-Its.

Also, there are some Cheez-Its that don’t qualify. I tried to get a single box for $5 and didn’t get the credit so YMMV on how useful the credits you have are.

I can’t seem to get it no matter how hard I try… bummer

I believe this deal is dead since the pop I’m getting is for 30% off. Anyone still getting this to work?

@mistercheap I also don’t understand.

@zerenia What bait-and-switch offers have you seen?

@mistercheap In fairness I had to harangue Ally Bank to cough up the $$$ they owed me for a promotion, but otherwise their customer service has been sterling. Much better than B&M banks, honestly.

But just like there are certain advantages to retail B&M stores, there are advantages to bank ones. And as you point out, I am not aware of any online bait-and-switch interest rates. I’m sure they are somewhere but my experience has been non-existent.

To be clear: You can probably get 1/2% to maybe 3/4% more from an online bank at this point in time vs. a local savings/MM bank rate. As with all things financial, YMMV.

@zerenia Ironically, I see it just the opposite. Ally Bank kept their interest rates high for quite some time, and even now 0.60% is higher than Vanguard pays on their Prime Money Market. They aren’t the only ones - there are several online banks that pay ‘high’ interest rates and I’m not overly concerned about their failure.

By contrast, you may only need a teller once or twice a year, but if you don’t have a relationship with a local bank and need one to, say, cut you a cashier’s check so you can buy a car, then you are out of luck without a significant delay to set up a new account on the spot.

Again, his and YMMV but I find a few bucks a month a good insurance policy for something I may never need but would find worthwhile.

Above and beyond? Sure. Slam $5K or $10K or $50K into an online HYSA and pull in an extra few hundred a year pre-tax.