Hi! My husband and I are 38 and planning to retire at 50. We have a 3 year old son and I'm dreaming of taking him to live abroad for many of his summers in high school and college. I'm hoping he's onboard with that idea when the time comes. I'm also hoping my husband can semi-retire sooner than 50. His job isn't fulfilling.
My initial questions1)
Luckily I get free advice through my work but I'm definitely on the hunt for a good, strategic accountant to help me setup the right tax situation now and in the future. I'm in the central Phoenix area if anyone has any recommendations. With early retirement I'm worried about being overly biased in retirement accounts that will incur penalties for early withdrawals. I'd love to get someone on my side that can track my basis and make sure I'm setup for success.
(2) can you recommend a good budgeting app that can focus easily on discretionary expenditures? Mint is a bit of a pain for budgeting. I want to get an idea of my historical trends, set new limits and track my adherence to these limits.
My initial questions1)
Luckily I get free advice through my work but I'm definitely on the hunt for a good, strategic accountant to help me setup the right tax situation now and in the future. I'm in the central Phoenix area if anyone has any recommendations. With early retirement I'm worried about being overly biased in retirement accounts that will incur penalties for early withdrawals. I'd love to get someone on my side that can track my basis and make sure I'm setup for success.
(2) can you recommend a good budgeting app that can focus easily on discretionary expenditures? Mint is a bit of a pain for budgeting. I want to get an idea of my historical trends, set new limits and track my adherence to these limits.