No More Backdoor Roth IRA

Managing multiple IRAs is too much of a hassle. I will empty a Groundfloor IRA and a Lending Club IRA this year, and consolidate all funds to a Merrill Edge IRA.

Litigation Finance Overweight

I will transfer all remaining funds from DLI Fund to YieldStreet. My portfolio will be heavily concentrated in litigation investments. I will split 50/50 between LexShares and YieldStreet.

Credit Card Arbitrage

I will balance transfer only up to half of total available credit, and keep the other half as an emergency line of credit. I will borrow more as needed basis when I have liquidity issues.

401(k) Contribution Only Up To The Match

No change. I will contribute only up to $8,000 to max out an employer match.