There were many great questions asked in a recent Q&A session with T-Mobile employees! How can T-Mobile employees make the most of their paycheck and resources in ways non-T-Mobile employees cannot? What will happen to the RSUs that haven't vested when I retire? Can I have an HSA if I'm on Medicare? How do you reduce exposure to T-Mobile stock without a huge tax impact? What is recommended to put into a 401(k) before retirement age? How much is too much to contribute to a pre-tax 401(k)? What are some good apps for individual investing? What are stable options to invest in long-term growth? What are some things to consider when inheriting a Roth IRA? What are your thoughts on investing in crypto?

What financial steps might T-Mobile employees take in December? Options might include: make year end retirement contributions, update resume and career plan, harvest tax losses or gains, review Social Security statement(s), and update 401(k) contribution rate.

What financial steps might T-Mobile employees take in November? Schedule spring Paid Time Off (PTO), plan tax loss or gain harvesting, finalize year end charitable giving, purchase holiday gifts and review / rebalance investment portfolio.

There were many great questions asked in a recent Q&A session with T-Mobile employees! Does it make sense to contribute to a 529 now that my kid’s in high school? I moved for work. Should I sell my old home? Would a Roth conversion after retirement lower my taxes? Instead of keeping your 401(k) until you are 59 1/2, should you take some early? When you take 401(k) distributions before you reach retirement age, is there still a penalty? How do we make the most out of our rental property? What are best practices for us renting ir or using a property management company? Do you have best practices for how to treat the extra cash, $1,500 a month? We have been married for 10 years and have not joined our finances. Is that recommended? Would I be taxed like crazy if I sell my stock?

What financial steps might T-Mobile employees take in October? Perhaps: evaluate stock purchased with the Employee Stock Purchase Plan (ESPP), book holiday plans, complete open enrollment, update beneficiaries and estate plan, and plan year end health expenses.

What financial steps might T-Mobile employees take in September?

• Select employee stock purchase plan contribution percentage

• Book Thanksgiving plans

• Start benefits and insurance review

• Replenish emergency fund

• Schedule remaining Paid Time Off (PTO)

What financial steps T-Mobile employees might take in August?

• Shop for Back to School

• Take summer vacation

• Review investments

• Submit dependent care reimbursements

• Check financial independence plan

What financial steps might T-Mobile employees take in July? Options could include: check credit reports, review / rebalance investment portfolio, take summer vacation, attend camps, and submit dependent care reimbursements

How might the T-Mobile / U.S. Cellular merger un-fold? T-Mobile has a playbook it’s used for its MetroPCS, Sprint, and Mint mergers. Although every merger is a little different, the UScellular merger will likely have many similarities.

What financial steps might T-Mobile employees take in June? Options could include: enjoy end of school year, replenish emergency fund, prepare for vacation and camps, and submit dependent care reimbursements.

What financial steps might T-Mobile employees take in May? Options could include: review tax withholding (Form W-4), update goals and financial plan, check student loan / other debt balances, fund education savings, and schedule fall Paid Time Off (PTO).

What financial steps might T-Mobile employees take in April? Options could include: evaluate stock purchased at a discount, file tax return(s) or extension(s), make tax payment(s) or plan refund(s), review / rebalance investment portfolio, replenish emergency fund, and review tax refund(s).

What financial steps might T-Mobile employees take in March? Options might include: select employee stock contribution %, plan major expenses, finalize last year contributions, prepare taxes, and schedule summer Paid Time Off (PTO).

What financial steps might T-Mobile employees take in February? Options might include: update saving for raise and bonus, schedule tax prep meeting, gather tax forms and create checklist, accept Restricted Stock Units and grant, and review / rebalance investment portfolio.

What financial steps might T-Mobile employees take in January? Options might include: submit dependent care reimbursements, update net worth estimate, refresh long-term projections, evaluate Mega Roth, begin gathering tax forms, and plan summer vacations and camps.