What can I do?

[sweetlady2k]

I talked to my bf last night and he was very agreeable to paying the 600 vs 500. He also said we should take a look at how things are going after his truck is paid off in the summer since I will stop getting the rental income in September.
On another note, I have not looked at my 401k at all since I got it and need to call and set up a password so I can look at what I have so far. My company just stopped giving out stock options every year but I have 6 years where I have 22 shares so that is something and I also have stock in 2 other companies I worked for that I need to try to track down. One was walmart from 1995 so I have no clue where to find that.

[disneysteve]

I talked to my bf last night and he was very agreeable to paying the 600 vs 500. He also said we should take a look at how things are going after his truck is paid off in the summer since I will stop getting the rental income in September.
On another note, I have not looked at my 401k at all since I got it and need to call and set up a password so I can look at what I have so far. My company just stopped giving out stock options every year but I have 6 years where I have 22 shares so that is something and I also have stock in 2 other companies I worked for that I need to try to track down. One was walmart from 1995 so I have no clue where to find that.

Great news about him increasing his contribution. I figured that wouldn't be a problem. Also great that the two of you will revisit that when changes happen to either of your financial situations (like him paying off his car or you having a decrease in your income).

As for the 401k, you may be able to set up online access without calling anyone. Your paperwork should have the website address. From there, you should be able to set up your online account as long as you have your account number.

Do you have any paperwork or account statements from the previous jobs? I'd start with that. If you don't have any information, contact the companies. The benefits departments should be able to help you.

[Like2Plan]

My company just stopped giving out stock options every year but I have 6 years where I have 22 shares so that is something and I also have stock in 2 other companies I worked for that I need to try to track down. One was walmart from 1995 so I have no clue where to find that.

Who is Walmart's transfer agent?
Walmart’s transfer agent is Computershare and can be contacted globally at 1-800-438-6278.

I am a current (or former) Walmart associate. How can I check the status of my stock or profit sharing?
Current and former associates with inquiries about share holdings or profit sharing should call 1-888-968-4015 to reach the Walmart Participant Service Center. This is an automated system, though representatives are available weekdays from 9 a.m. to 7 p.m. Eastern Time.

Walmart Stock Information

[sweetlady2k]

Walmart Stock Information

Thanks so much! That will help a lot! I already know the other one is Vanguard but I will have to call all of them including fidelity which is my current jobs 401k provder apparently I cannot remember passwords/ user ID to save my life.

[sweetlady2k]

update

Ok quick update, I called all of my 401 k and stock purchase plans. At fidelity for my last 2 jobs I have 16,090 and the old walmart stock plan was a bust. After you are no longer an employee they charge a 35 dollar maintenance fee and my account ran out after 1997. So the bottom line is 16 k in 401 k. Not much. The only other thing I have to check is my current jobs stock options, I do have some vested maybe I should cash them out and do something else with them?? Any ideas would help

[sweetlady2k]

Ok quick update, I called all of my 401 k and stock purchase plans. At fidelity for my last 2 jobs I have 16,090 and the old walmart stock plan was a bust. After you are no longer an employee they charge a 35 dollar maintenance fee and my account ran out after 1997. So the bottom line is 16 k in 401 k. Not much. The only other thing I have to check is my current jobs stock options, I do have some vested maybe I should cash them out and do something else with them?? Any ideas would help

From fidelitys website they have a guide of what you should have saved for retirement at various ages for example by 35=100% of yearly salary age 40=2xs 45=3xs. I made about 50k this year so I am apparently 34k behind. How much would I have to save to be caught up by age 45?

[Phant1984]

From fidelitys website they have a guide of what you should have saved for retirement at various ages for example by 35=100% of yearly salary age 40=2xs 45=3xs. I made about 50k this year so I am apparently 34k behind. How much would I have to save to be caught up by age 45?

With a $50,000/year salary, assuming no growth over the next ten years, you would need to put away $134,000 ($13,400/year) by age 45 to meet the Fidelity guideline. Over a ten year timeframe, you should see some gains along with any employer match to your 401k contriubtions, so the number should be less. Under those guidelines, I'd probably aim for $10,000/year and see how it grows.