When I bought the Highlander in 2018, I only borrowed a quarter of the cost from the credit union. The gap between that plus the trade-in was filled with a loan from my 401(k). The company match pretty much paid the interest while I refilled the principal. But then a year and a half later, my company was sold with the loan still years away from being paid off. That balance, I learn, is going to be treated as a withdrawal and subject to standard taxation. Still, it also means the Highlander is now 100% mine, paid in full in a little more than 2 years. No more payments mean a few more bucks in the paycheck for now, with later ones to be routed back into the 401(k) in the form of pre-tax dollars.
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