tominboise
Recycles dryer sheets
We are 61/59 years old and retired in Oct 2020. We have a good budget and are hitting it and are at 100% on all the calculators that I have run, etc.
We are using our after tax brokerage account as our financial engine until we start drawing SS (at age 70) and taking RMD's (at 72). So drawing $$ from our brokerage account requires selling off investments in that account (currently 75/25 AA in that account). We are getting an ACA subsidy, so that requires managing which assets get sold for capital gains management.
ANYWAY, my personal issue is that I've spent the last 30 years or so putting money into those accounts and managing them to grow. Taking money out seems backwards and wrong. I know I put it in there so I could take it out later.
Just trying to rationalize to the inner saver in me.....
We are using our after tax brokerage account as our financial engine until we start drawing SS (at age 70) and taking RMD's (at 72). So drawing $$ from our brokerage account requires selling off investments in that account (currently 75/25 AA in that account). We are getting an ACA subsidy, so that requires managing which assets get sold for capital gains management.
ANYWAY, my personal issue is that I've spent the last 30 years or so putting money into those accounts and managing them to grow. Taking money out seems backwards and wrong. I know I put it in there so I could take it out later.
Just trying to rationalize to the inner saver in me.....