Beating the August Heat: Prepping the Fall & Winter Greenhouse

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August in Alabama is notoriously hot, but if you want a thriving fall and winter harvest, right now is exactly when you need to start getting your hands dirty. Having a greenhouse is a huge advantage for extending the growing season, so I am rolling up my sleeves this weekend to get the fall crop preparation underway. Here is a look at what is going into the dirt this weekend, what is on the schedule for later this fall, and the long game for spring. 🌱 What I’m Planting This Weekend The planting window is perfectly timed right now, so these are the priority seeds going into the setup: Baby Broccoli: I just picked up these seeds, and they are going straight into the dirt! The window for broccoli closes by mid-August, and it is well-suited for direct seeding into the soil rather than using transplants. Spinach: The window also closes by mid-August. Because spinach has shallow roots, these seeds are going straight into the vertical stackable planters. Leaf Lettuce: Perfect for plantin...
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Tax Savings Tip of the Week: Max Out Your Retirement Contributions (But Know the Limits)!

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Hey money-savvy friends! πŸ™Œ

Want a simple (and totally legal) way to cut your tax bill while building your future nest egg? Let’s talk about retirement contributions. πŸ§“πŸ½πŸŒ΄

If you’ve got a 401(k) through your job, try to contribute as much as you can—especially up to the employer match. That’s free money, folks! And your contributions are made pre-tax, which reduces your taxable income. Less income = less tax. 🎯

No 401(k)? No problem. You can contribute to a Traditional IRA, and depending on your income and situation, you may be able to deduct that contribution on your taxes too.

BUT here's the catch πŸ›‘—if you're already covered by a workplace retirement plan like a 401(k), you might not be able to deduct your IRA contributions, especially if your income is above certain limits.

πŸ‘‰ Translation: You can technically contribute to both a 401(k) and a Traditional IRA in the same year, but you may not get a tax break on both.

2025 contribution limits:

  • 401(k): Up to $23,000

  • IRA: Up to $7,000

  • Age 50+? You get a bonus catch-up contribution on both!

Pro tip: If you’re in this situation, look into a Roth IRA instead. While it’s not tax-deductible now, qualified withdrawals are tax-free in retirement. πŸš€

Bottom line: Know the rules, play them smart, and let your money work harder for you. πŸ’ͺ


μ•ˆλ…•ν•˜μ„Έμš”, μ ˆμ„Έμ— 진심인 μ—¬λŸ¬λΆ„! πŸ™Œ
μ˜€λŠ˜μ€ 은퇴 쀀비도 ν•˜κ³  μ„ΈκΈˆλ„ 쀄일 수 μžˆλŠ” 방법에 λŒ€ν•΄ μ΄μ•ΌκΈ°ν•΄λ³Όκ²Œμš”. λ°”λ‘œ ν‡΄μ§μ—°κΈˆ κ³„μ’Œλ₯Ό ν™œμš©ν•˜λŠ” κ±°μ˜ˆμš”. πŸ§“πŸΌπŸŒ…

λ¨Όμ €, 직μž₯μ—μ„œ μ œκ³΅ν•˜λŠ” 401(k) ν”Œλžœμ΄ μžˆλ‹€λ©΄ κ°€λŠ₯ν•œ ν•œ 많이 λ„£λŠ” κ±Έ μΆ”μ²œν•΄μš”. 특히 νšŒμ‚¬μ—μ„œ λ§€μΉ­ν•΄μ£ΌλŠ” λ§ŒνΌμ€ κΌ­ μ±„μš°μ„Έμš”—이건 말 κ·ΈλŒ€λ‘œ 곡짜 λˆμ΄μ—μš”! 그리고 이 λˆμ€ μ„ΈκΈˆ λ‚΄κΈ° μ „ μ†Œλ“μ—μ„œ 빠지기 λ•Œλ¬Έμ— 결과적으둜 κ³Όμ„Έ μ†Œλ“μ΄ μ€„μ–΄λ“€μ–΄μš”. μ„ΈκΈˆλ„ 덜 λ‚΄κ³ , λˆλ„ 뢈리고! 🎯

λ§Œμ•½ 401(k)κ°€ μ—†λ‹€λ©΄? κ±±μ • λ§ˆμ„Έμš”. 개인 은퇴 κ³„μ’Œ (IRA) 에도 λ‚©μž…ν•  수 있고, μ†Œλ“ μˆ˜μ€€μ— 따라 μ„ΈκΈˆ 곡제λ₯Ό 받을 수 μžˆμ–΄μš”.

그런데 μ—¬κΈ°μ„œ μ£Όμ˜ν•  점! ❗️

401(k) ν”Œλžœμ— 이미 κ°€μž…λ˜μ–΄ μžˆλŠ” μ‚¬λžŒμ€ IRA에 넣더라도 μ„ΈκΈˆ 곡제λ₯Ό λͺ» 받을 μˆ˜λ„ μžˆμ–΄μš”, 특히 μ†Œλ“μ΄ 일정 μˆ˜μ€€μ„ λ„˜λŠ” κ²½μš°μ—λŠ”μš”.

πŸ‘‰ 즉, 401(k)λž‘ IRA λ‘˜ 닀에 λˆμ„ λ„£λŠ” 건 κ°€λŠ₯ν•˜μ§€λ§Œ, μ„ΈκΈˆ ν˜œνƒμ€ λ‘˜ λ‹€ λͺ» 받을 수 μžˆλ‹€λŠ” μ–˜κΈ°μ˜ˆμš”.

πŸ’° 2025λ…„ κΈ°μ€€ λ‚©μž… ν•œλ„:

  • 401(k): μ΅œλŒ€ $23,000

  • IRA: μ΅œλŒ€ $7,000

  • 만 50μ„Έ 이상은 μΆ”κ°€λ‘œ catch-up λ‚©μž… κ°€λŠ₯!

κΏ€νŒ: 401(k) 곡제λ₯Ό λͺ» λ°›λŠ”λ‹€λ©΄ Roth IRAλ₯Ό κ³ λ €ν•΄λ³΄μ„Έμš”. μ§€κΈˆμ€ μ„ΈκΈˆ ν˜œνƒμ΄ μ—†μ§€λ§Œ, λ‚˜μ€‘μ— μΈμΆœν•  땐 μ„ΈκΈˆμ΄ μ•ˆ λΆ™μ–΄μš”. 미래의 λ‚˜μ—κ²Œ 큰 선물이 될 μˆ˜λ„ 있죠. 🎁

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