My friends and I see lots of challenges out there, and we can’t wait to create solutions for them. Personally, I’ve got a mid-sized mountain of college loan debt that colors my world no matter what I’m doing. Any extra money usually goes toward traveling or hanging out with my friends.
What I care about is staying healthy and having an interesting life—and longboarding, of course. I also want to avoid feeling like my parents did during the financial crisis. I like to move fast. I grew up “on-demand,” so when it comes to something like benefits, I just want to get the information I need, when I need it, then move on.
WHAT’S IMPORTANT TO ME
And when I have questions about the health plan or need help finding a doctor or with claims, I can skip the hold music and get 1:1 support from a Cigna onsite expert.
The Student Loan Repayment Program is a no-brainer. Take $30,000 off my U.S. student loan? Yes, please. And I can apply for Student Loan Refinancing to lower payments on the outstanding balance. I also know it’s past time for me to start saving at least something in the 401(k) Retirement Plan. With NVIDIA’s match, it just seems silly not to.
Plus, because I enrolled in an eligible medical plan, NVIDIA gives me up to $2K in a Health Savings Account (HSA) to pay for doctor’s office visits, prescriptions, and more. If I don’t use the money in my HSA, it’s a tax-advantaged way to invest for the future.
The no-cost personal concierge service got me concert tickets and even waited on line for me for the latest release of the newest iPhone. This really helps do everything, despite the hectic pace of my life.
And, Care.com is a great resource that goes way beyond just babysitters. They also helped me find a pet sitter and groomer for my dog, Stella.
Sam and I have seen a lot of change—we remember actual music videos on MTV—and we learned along the way that very few things in life are slam dunks. The smart choice usually comes with some compromise.
We’re all about our kids at this point, and we’re crazy busy at work. We love it that way—but we’re always looking for balance. Which is tough, because our daughter Sophia has some developmental challenges and requires specialized help. Plus, we always seem to be playing catch-up financially.
WHAT’S IMPORTANT TO ME
For our busy lives, convenience is king. So it’s great that we can get virtual care from a doctor 24/7 through Cigna. Plus, Crossover Health is less than a mile from the Santa Clara campus and there are regular onsite clinics, so I can quickly get care when I need it.
There’s no way I want to be working into my 70s like my dad, so I’ve maxed out my contributions to the 401(k) Retirement Plan, and I signed up for the ESPP —I’ll definitely take some NVIDIA stock at a 15% discount! I’m also interested in converting my after-tax 401(k) contributions to Roth, so my investment earnings won’t be taxed when I withdraw my money.
Because I enrolled in an eligible medical plan, NVIDIA gives me up to $3K in a Health Savings Account (HSA). I also make my own tax-free contributions, so I pay federal taxes on a lower net income every year. I also contribute to a tax-free Flexible Spending Account to save and pay for child care expenses for our youngest.
We use Care.com to find sitters and for help around the house. To help with the kids’ college expenses, we’re contributing to the 529 Savings Plan and recently engaged with College Coach to help our oldest, Gabe, prepare to apply. Plus, I can get up to $5,250 from NVIDIA each year to cover my own tuition expenses.
NVIDIA provides Rethink for parents of children with autism, learning, attention, emotional, and behavioral issues, which has been a big help to us with Sophia.
And the Concierge Service has been a lifesaver. I can count on them to run my errands, go grocery shopping, and even wait at home for repair people to show up.
When Bob Dylan sang “Forever Young,” Alice and I took it to heart. We’re both still trying to change the world, I guess. Despite what the mirror says, I don’t feel like I’m getting older, and we have a lot yet to contribute.
Other than Alice’s bout with pneumonia and my blood pressure, we’re both in pretty decent health—but we know that could change. Our focus now is to start socking away more money for retirement.
WHAT’S IMPORTANT TO ME
Comprehensive medical plans. We’re in the PPO now for the low deductible and office copays. Plus, we have two convenient ways to get care: Crossover Health (less than a mile from the Santa Clara campus) and onsite clinics. For routine questions and simple issues, I use 24/7 virtual care offered through Cigna. It’s quick and easy to use, and more convenient than a doctor’s office visit.
Alice had a recent cancer scare. It wasn’t serious, but it was comforting to be able to discuss our concerns and get reliable information and support through Stanford Health Navigation. And Cigna Cancer Support was with us every step of the way.
I’m focusing on maximizing my contributions to the 401(k) Retirement Plan, including catch-up contributions (since I’m over age 50). That gives me some extra tax savings.
I also decided to start participating in the ESPP. We’re doing great things at NVIDIA, and I think NVIDIA stock is a smart investment—especially with a 15% discount.
During Alice’s health scare, the doctor bills were pouring in, and we had so many questions. NVIDIA’s Cigna onsite expert helped us sort everything out and saved us countless hours on the phone. And during that scary time, it was nice to tap into support to help me navigate my own fears and emotions so I could really be there for Alice.
Oh, and the personal concierge service has been a game changer. I found a reliable dog walker for Angus so I don’t have to rush home every night after work to let him out.