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Hi everyone, I'm hoping you can advise directly, or point me to an early-retirement.org equivalent forum for tax questions. This year I've run our numbers on both H&R Block (H&R) and TurboTax (TT) online tax software. (I know, but hey, I've got a lot of time these days!) Thanks to our lower...

Let's say you are retired and not producing any new earned income and so are not contributing to your savings (your taxable investment account specifically) and so are not buying any new mutual fund or ETF shares at a new cost basis. Over time, the lots you bought years ago have (hopefully)...

I'm having trouble finding on the internet anyone that explains what happens with ACA CSRs (cost sharing reductions) when you have mid-year income change? Plenty is written about ACA subsidies changing, but what about CSRs that come with Silver plans if your income is low enough? My wife is...

Hi everyone, I'm helping a couple friends get started with investing and I'm looking for evidence that the broad stock market has historically produced higher returns than other investments over long time periods (15+ years). But I can't find any recent (past couple of years) articles or charts...

Last Wednesday - June 8th, 2016 - was my last day of work at Mega Corp, and June 9th was my first day of retirement. I am 41. I just looked back at a few of my earlier posts on this forum: - In April 2013, I posted...

Hi! 2016 is the first year my employer offered an HSA with a HDHP and we chose it because we are relatively young and healthy (knock wood) and the tax efficiency is great. The HSA fund adminstrator (UMB) charges $3/month ($36/year) to invest HSA funds and my employer covers that fee for its...

Hi! 2016 is the first year my employer offered an HSA with a HDHP and we chose it because we are relatively young and healthy (knock wood). A question about the HSA - I see that I am able to deposit the full year's contribution into the HSA directly via wire-transfer instead of them taking a...

Hi, my wife and I expect to be able to retire early in a couple years at age 45 (woo-hoo!) with about $1.25MM across 401k Pre-Tax and Traditional IRAs. We'll be converting some of those funds each year to a Roth IRA to distribute the taxable gain over decades. My question is: how do I figure...

I'm 40 & my wife if 42 and we are financially independent (yay!) but are still working while we enjoy it, which will probably be only a year or two. Saving more money by delaying ER will just be a nice bonus. I'm thinking that in the meantime we can cancel our Disability Insurance since it's...

Hi, We're thinking of taking the FIRE plunge in the next year, selling our house in NY, and finding a new place in the US to move to a low- or no-tax state. We want to rent - at least initially - to find a good state/city/neighborhood. One thing we're wondering about: if we RE and have no...

Saw this and thought I'd share... Map Shows Cost of Living Around the World

Hi, I'm a fan of how FIRECalc works but it appears to have a limitation that I've seen in other retirement calculators: it simply asks for current portfolio assets, and not assets per account type. I have the largest chunk of my assets in 401k and Traditional IRA accounts, and so they are...

Hi, just discovered this forum. My wife and I are running out of steam after working very long hours for several years, and are looking for the light at the end of the tunnel. We've saved at a good rate all our working lives and we both keep maximizing our 401ks and non-deductible IRAs each...