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#326: Anonymous is struggling with being too frugal, possibly to the detriment of her health. I mentioned in a previous episode that I struggled with frugality for a long time. She wants to know: in what ways was frugality a hindrance or an asset, and how did I get myself out of such a frugal mindset?\nJohn and his wife aren\u2019t sure how much they should contribute to their daughter\u2019s Ohio 529 plan. They want her to graduate from undergrad debt-free, but they imagine she\u2019ll get help from scholarships and that she\u2019ll work as a teenager. How much is enough?\nRafael just got a job as a 1099 sales associate and is wondering how the heck to calculate what he\u2019ll owe in taxes.\nRafael has a second question: he opened an account at Vanguard in December 2020 and noticed that he could still contribute to that account for the first few months of 2021. Which year should he have focused on contributing to?\nElizabeth has two rental properties: one that\u2019s paid off and profitable, the other which shows a loss. If she put her profitable rental into an LLC, could she still combine the rent from both properties?\nMy friend and former financial planner Joe Saul-Sehy joins me to answer another round of questions.\nBy the way, if you have questions on business, money, trade-offs, financial independence strategies, travel, or investing, be sure to leave them here and we\u2019ll answer them in a future episode.\nLearn more about your ad choices. Visit podcastchoices.com/adchoices