tips for financing new allocated Tacoma?

That's true but they have to be for the same type of credit. Like all auto loans or all mortgage apps. That's so you can shop for a few places for the best deals

 

That example works great as long as $1.00 is your total retirement eligible gross pay. When you sign up for a 10% Roth deduction at work it's taking 10% of your total retirement eligible earnings, not 10% of your disposable income. So, let's assume your entire gross pay of $1,000 per pay is retirement eligible. Take your $1,000, subtract out your pre-tax deductions such as medical, dental, etc. Subtract your federal, state, and local income taxes (whichever apply in your state), subtract out the $100 Roth contribution and any other post-tax deductions you may have (voluntary insurance, charitable contributions, etc). THEN see if not having the $100 ruins your day. The other thing you need to check before signing up for a Roth contribution is to make sure than any employer match on their 401(k) applies to Roth in addition to the pre-tax plan. If it doesn't you are leaving a lot of money on the table by signing up for a plan that's not eligible for employer match.

How do I know this? I set up payroll for large employers for a living.

 

You are so right!

The goal before committing to IRA/Roth contributions or any retirement plan is to be about as debt-free as possible.

Assuming Mortgage is the only MAJOR must-pay + Utilities + Vehicle + Groceries...find out what your rock bottom balance is and budget from there.

Will the $100 hurt your expenses after all the MUST PAYS + living expenses are withdrawn?

Prioritizing those luxury expenses e.g. : going out to eat, buying stuff for your Taco, etc, etc.

Giving up/sacrificing wants/needs can be a tough battle.

The Rewards (once realized) are tremendous and make for a better understanding of what's really needed.

 

You are corrrrrrrrrrrrrrrect ( rolling r's for effect ) sir.
One will sacrifice some disposable income on the front end.
But I believe you will concur, that on the back-end the rewards are worth it.

You might not be able to buy those $300 sneakers today, but who really needs 'em anyway.

 

When you retire and peep into your account and see $700k, $900k, $1.5mil looking back at you then you'll be glad
you did this. Not to be blown at the racetrack, but to payoff a mortgage, buy a new ride, go to sleep at night knowing
you won't be homeless, or to be able to make life easier for your kids.

If you start with it right away, you'll never miss it. You have to run a wee-bit tighter with disposable income but it's not
that big of a deal. Do you really need those Air Jordon's for $100 ... can you get by with an IPhone 7 for another year ...
it's all about priorities.

Everybody needs a roof.
Everybody needs a ride.
Everybody needs to eat.

The rest is negotiable.