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Old 11-02-2015, 09:07 AM   #21
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Yes, the change in taxes was one of the big positive surprises in retirement.

You may want to look into doing Roth conversions of your tax-deferred balance. You can get an idea of the tax you would pay on conversions by taking a pro forma return without conversions and then just adding in various amount of conversions and see the incremental tax.

I'm paying about 10% on my (both federal and state) which is much better than the 30+% I avoided when I deferred that income but I suspect you will pay more because your taxable portfolio is larger.

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Patience is the art of concealing your impatience.
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Old 04-29-2016, 02:21 PM   #22
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Think you are a great decision-maker? Think again!
“Postdictive” illusions of this sort are typically explained by noting that there’s a delay in the time it takes information out in the world to reach conscious awareness: Because it lags slightly behind reality, consciousness can “anticipate” future events that haven’t yet entered awareness, but have been encoded subconsciously, allowing for an illusion in which the experienced future alters the experienced past.
Commonly known as rationalization!

For the fun of it...Keith
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