- Joined
- Oct 13, 2010
- Messages
- 10,735
How are folks doing their withdrawl calculations to work-in the effects of the PPACA?
In i-orp, you can see I don't have a large proportion in after tax assets (green), so they run out in 2.5 years. This, I presume, is because i-orp is trying to keep me in a low tax bracket until it can't do that any more due to "no more green", hehe.
But tax bracket is less important than keeping under 400% FPL in as many years as possible between now through 65 when medicare starts.
It seems to me that a calculator that optimized would have the health care thing "built-in" so that it allowed you to go into the next tax bracket and so "spread out the green", keeping you under 400% FPL for more years.
Presuming there are no calculators that optimize on this, I just wondered how folks are doing their withdrawl projections in light of the new law.
In i-orp, you can see I don't have a large proportion in after tax assets (green), so they run out in 2.5 years. This, I presume, is because i-orp is trying to keep me in a low tax bracket until it can't do that any more due to "no more green", hehe.
But tax bracket is less important than keeping under 400% FPL in as many years as possible between now through 65 when medicare starts.
It seems to me that a calculator that optimized would have the health care thing "built-in" so that it allowed you to go into the next tax bracket and so "spread out the green", keeping you under 400% FPL for more years.
Presuming there are no calculators that optimize on this, I just wondered how folks are doing their withdrawl projections in light of the new law.
