Recent content by Midpack

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+1. Building on the above using Dr Bernstein’s “if you’ve won the game, quit playing” thought, considerably changed after 2008.

Already answered but for future reference * Acronyms, abbreviations and Slang Frequently Used on the Forum *

Wordle 1,054 3/6 🟨🟩⬜⬜⬜ ⬜⬜🟩🟩⬜ 🟩🟩🟩🟩🟩

Wordle 1,053 4/6 🟨🟨⬜⬜⬜ ⬜⬜⬜⬜⬜ ⬜⬜🟨⬜⬜ 🟩🟩🟩🟩🟩

Right or wrong a post sharing another view may be for the benefit of other readers, more than the original source of the quote. However, not worrying about Roth conversions once the opportunity has passed is not at all the same as considering it when the window is open. Many here including this...

It's not a loophole? Hopefully other readers realize rates will go up whether you find yourself caught in a closed book pool or not. The latter will just go up (considerably?) more with almost any supplement provider. Post #51 shows what kind of increases we all might want to plan for, aside...

+1, we've found that to be the best formula as well. IMO Doing everything together is a recipe for failure, but so is having no joint activities. We both encourage each others activities, while spending some quality time together every day. :flowers:

The rest of my post that you quoted was more representative than what you clipped out… You can buy Medigap insurance that meets your needs from UHC/AARP. You may not like the price, which is why separating risk pools by closing books, and attained age supplements exist - if you’re healthy or...

We start QCDs later this year, great idea.

My Mom used to say that all the time. Sure genes plays a major role, but staying physically and mentally active is something we can all do to extend our quality of life. My parents lived to 93 and 96, I’m sure that wouldn’t have been the case had they been sedentary seniors. They both played...

You don’t need to be anxious as long as you’re comfortable paying (significantly) more in income taxes unnecessarily - but why waste “gravy?” With our assumptions, our Roth conversions project to reduce our lifetime Federal taxes by about $400K, leave us paying IRMAA for 7 years instead of 23...

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Ambivalent? It's too late to consider Roth conversions once all your (passive) income sources have kicked in, you don't need any calculations or accountants to advise (meant for other posters in this thread). If you have a significant TIRA, for many the ideal time to convert is between the year...

I retired at 57, DW when I turned 65, shown on chart. I wouldn't expect our AA path should apply to anyone else in particular - depends on individual risk tolerance, "won the game" or not, % SIRE vs % FIRE, "die broke" vs legacy, etc. Our AA hasn't been exactly as I expected anyway - I let...