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Forum: FIRE and Money 09-28-2019, 10:51 PM
Replies: 34
Views: 2,465
Posted By joylesshusband
Did you find anything worthwhile in it to make a...

Did you find anything worthwhile in it to make a post about it?
If so, share what was it.

Or you just felt obliged to report any new retirement article here in order to keep us up to speed?
...
Forum: FIRE and Money 09-23-2019, 02:53 PM
Replies: 37
Views: 1,628
Posted By joylesshusband
With individual ownership, if one applies for...

With individual ownership, if one applies for asset-based credit and/or loan, one would enlist only the assets held in one's personal account, which are arguably of a lesser value than the total held...
Forum: FIRE and Money 09-04-2019, 08:39 PM
Replies: 30
Views: 2,968
Posted By joylesshusband
Given your listed inflation parameter range, if...

Given your listed inflation parameter range, if your expected portfolio returns are meant as nominal ones, you seem a bit pessimistic; if they are meant as real ones - you are quite a bit optimistic....
Forum: FIRE and Money 08-23-2019, 03:36 PM
Replies: 10
Views: 1,391
Posted By joylesshusband
If one of you is left widowed the above math...

If one of you is left widowed the above math changes drastically.

Another possible consideration is if you would like to gradually mature towards the goal of having instant access to a bunch of...
Forum: FIRE and Money 07-23-2019, 10:49 PM
Replies: 27
Views: 1,794
Posted By joylesshusband
I am not spending money from my Roth, I'm...

I am not spending money from my Roth, I'm essentially spending from my tIRA as I already explained. Twice.

It is just that I chose to have this spending money pass through my Roth, as opposed to...
Forum: FIRE and Money 07-23-2019, 07:14 PM
Replies: 27
Views: 1,794
Posted By joylesshusband
I'm afraid this derails the thread a bit, but...

I'm afraid this derails the thread a bit, but let's have it.

It is virtually impossible to have "a better handle on my eventual taxes" as you put it, since I already have a perfect handle on said...
Forum: FIRE and Money 07-23-2019, 03:32 PM
Replies: 94
Views: 6,946
Posted By joylesshusband
Then there's the "AA" concept, and the two...

Then there's the "AA" concept, and the two contradict each other.
What is the point of proclaiming that one's following the AA concept when one's following a different "bird in the hand" concept?...
Forum: FIRE and Money 07-23-2019, 03:25 PM
Replies: 27
Views: 1,794
Posted By joylesshusband
I now understand your reasoning. However, as...

I now understand your reasoning.
However, as others already pointed out, there is no reason to compute what percentage of your portfolio you withdraw and/or convert each year.

As to your annual...
Forum: FIRE and Money 07-23-2019, 11:24 AM
Replies: 94
Views: 6,946
Posted By joylesshusband
This notion indicates that you do not trust your...

This notion indicates that you do not trust your portfolio.
Why?
What do you feel you have to change in order to be able to fully trust it?

Your mention of a "bucket" puzzles me as well; how...
Forum: FIRE and Money 07-23-2019, 11:15 AM
Replies: 27
Views: 1,794
Posted By joylesshusband
What is this "the 4%" you speak of, and where did...

What is this "the 4%" you speak of, and where did it come from?

What did it do to deserve the definite article "the"?

How much to annually convert to Roth is chiefly driven by two things:
1....
Forum: FIRE and Money 07-16-2019, 05:06 PM
Replies: 105
Views: 14,029
Posted By joylesshusband
+1

+1
Forum: FIRE and Money 06-28-2019, 12:33 PM
Replies: 9
Views: 890
Posted By joylesshusband
I agree that you could estimate the annual amount...

I agree that you could estimate the annual amount of dividends paid in a taxable account, provided you know what the account holds.
However, estimating the long-term capital gains from a stock sale...
Forum: FIRE and Money 06-25-2019, 03:38 PM
Replies: 22
ETF
Views: 1,140
Posted By joylesshusband
Interested in oceanfront property in Arizona? I...

Interested in oceanfront property in Arizona? I have one for sale.:coolsmiley:
Forum: FIRE and Money 06-20-2019, 08:39 AM
Replies: 25
Views: 1,412
Posted By joylesshusband
No. No. No. Already...

No.


No.


No.


Already answered in posts ##15 & 16.
Forum: FIRE and Money 06-19-2019, 05:15 PM
Replies: 25
Views: 1,412
Posted By joylesshusband
Both. MFs in traditional and Roth IRA...

Both.
MFs in traditional and Roth IRA (auto-reinvesting) and ETFs in after-tax (no auto-reinvesting).

The latter - because I use "specific ID" when selling in after-tax, and auto-reinvesting...
Forum: FIRE and Money 06-11-2019, 05:02 PM
Replies: 15
Views: 923
Posted By joylesshusband
;D

;D
Forum: FIRE and Money 06-08-2019, 09:45 AM
Replies: 207
Views: 18,209
Posted By joylesshusband
Why do you shift this basic responsibility from...

Why do you shift this basic responsibility from good parenting to the schools' "inadequate" curriculum?

Have you raised kids?
Did you leave their skill development entirely to the schools?
Forum: FIRE and Money 06-03-2019, 11:07 AM
Replies: 20
Views: 1,556
Posted By joylesshusband
I did the bulk of my annual conversion on JAN...

I did the bulk of my annual conversion on JAN 8th, as my gut told me the market would hardly go much lower than that during the rest of the year.
My gut is no market expert, but I tend to trust it...
Forum: FIRE and Money 05-30-2019, 01:57 PM
Replies: 25
Views: 2,247
Posted By joylesshusband
There are many other options for acquiring cash...

There are many other options for acquiring cash besides bank withdrawals.

One is to be one of these 5 guys Sunset described 2 posts above yours:
"5 guys break into your home at night, and start...
Forum: FIRE and Money 05-27-2019, 12:16 PM
Replies: 19
Views: 1,708
Posted By joylesshusband
Don't say. And who is the owner?.... ...

Don't say. And who is the owner?....


Nope.
Your math is way off. As is your mentality.


No.
Forum: Stock Picking and Market Strategy 05-19-2019, 07:24 PM
Replies: 25
Views: 1,277
Posted By joylesshusband
I think you misinterpreted the "outperform" part...

I think you misinterpreted the "outperform" part a bit.

What Vanguard really meant was that if over the next decade international drops at ~10% per year, the US equities would be dropping at a...
Forum: FIRE and Money 05-06-2019, 09:15 AM
Replies: 9
Views: 934
Posted By joylesshusband
I have not seen any of those, and have no...

I have not seen any of those, and have no regrets.

If you want something done well, do it yourself.
I consider myself a pretty advanced Excel user, and have used it to model a bunch of scenarios...
Forum: FIRE and Money 04-25-2019, 01:54 PM
Replies: 17
Views: 1,617
Posted By joylesshusband
Federal, state, local income taxes and healthcare...

Federal, state, local income taxes and healthcare insurance are missing from the "household expenses".
Plan for these - up until, and after '2024.
Forum: FIRE and Money 04-16-2019, 04:30 PM
Replies: 10
Views: 741
Posted By joylesshusband
Make that 5.42% instead, given the above numbers....

Make that 5.42% instead, given the above numbers.
Real return % = [(1 + Nominal return %)/(1 + inflation %)] - 1
Forum: FIRE and Money 04-12-2019, 11:36 AM
Replies: 18
Views: 1,359
Posted By joylesshusband
I can offer these thoughts: The logic on...

I can offer these thoughts:

The logic on this subject is always entirely situational. What applies to my case does not apply to yours and v.v.

Your case is unclear as you did not share all...
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