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The only way I could use your approach is if I took most of my money and put it on sidelines I think I would rather just pay the taxes

The 4% rule is unamagical thing if you get a really bad market and lose 50% in a year and next year you only have half as much to spend as you had it before so I don't think that that's a Hold it a call other things come in in life where health or the markets can blow apart your plans so I would...

put the trust

did the aunt have a beniferary ?

make sure all docs are up to date with laws. you could end with a multble year toropedo

We have a set docs an and are revviewing.

The doctor chaced the wrong diagnosis for 2 years. They finally use a lumer puncher.

fired 9 years ago. Now doctor says I have alzheimier's how do you dance around this one. :popcorn:

in my state ID

I find much of this to be forigin. We treat our money as our OUR mony.

I found that if I used goodrx. So I needed to decide if I wanted the discount or to have it apply to my deductible.

I just keep medical expenses with my tax documents after I started the HSA.I don't need to use the HSA $ during the year the medical expenses occur

Make sure you know what you have and how each is handled. Consider if one inherits a previously inherited IRA

I've used them for metal screws, not in wood. Can you share a picture of what you are working with? You might get better suggestions on how to approach the problem.

What kind of trust? I would document the intention so it is clear. writing multiple checks could do the decimation. I would write 2 checks to make it clear to everyone years from now.

In my case I would fund roths or taxable with equities based on tax treatment. I use TIRAs for bonds if not using them as a stepping stone to roths. as change. Note this could change if tax laws change

where did you see the bolded comment one needs a compliant insurance There are other things that can limit you.

this would include spouses too.

What problem are you trying to solve? Incorrect allocation? move more into bonds. you can hold bonds in your roth. Otherwise have more equities than you wanted..... choose

I have a small % of after tax assets in our IRA

If I recall correctly my IRA started in the early '90s and the plan allowed additional after tax contributions. I can't use a company plan to clean it since I am not in a company plan. really kind of bites.

I said that I was conservative. If I need just 2% instead of 4% then I do not need to track closely.

I don't calculate withdraw rate. I did not before retirement. I just know that I live conservative enough that I should be fine.

I paid off my current house at 33 yo

did your employer insurance have an HRA? this would effect?