Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 12-30-2017, 04:45 PM   #81
Thinks s/he gets paid by the post
VanWinkle's Avatar
Join Date: Oct 2017
Location: Morton
Posts: 1,828
Originally Posted by shortstop14 View Post
I'm planning to rebalance in January to get back to my planned 60/33/7 allocation, which gives me two years of living expenses in cash - holding the course for now. The tax bill doesn't affect us much at this point, since we're keeping income low for ACA subsidy purposes, so federal tax is minimal. It is getting harder to generate cash without taking capital gains, which could eventually make it harder to keep income at the subsidy sweet spot. Still have 4-5 years to bridge to Medicare.

If the ACA or subsidies disappear after next year, I'll retrench and start doing Roth conversions to the top of the new 12% tax bracket.

I ended up with a mixture of taxable and tax-deferred accounts, mostly because I didn't like the investment choices in my company 401(k), so I only funded that up the match percentage and saved the rest in taxable accounts. This had provided some useful flexibility.
I feel for you, I'm 22 months from Medicare and DW is 28 months. No one knows what will come next year, but I know we need Medical Insurance and will pay what is needed to get it. Flexibility has also proven valuable for me.
VanWinkle is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Class of 2018 JoeWras Life after FIRE 780 04-12-2021 11:39 AM
Total Return Strategy vs. Income and Dividend Strategy for a Nestegg Golden sunsets FIRE and Money 154 01-26-2016 09:45 AM
Heading to Southeast Asia for ER in 2018 (hopefully) rodiy2k Hi, I am... 40 04-23-2013 08:10 AM
Newest member class of 2018 BTravlin Hi, I am... 7 05-22-2010 12:57 PM
FIRE by 2018 fire2018 Hi, I am... 1 03-07-2006 01:10 PM

» Quick Links

All times are GMT -6. The time now is 08:12 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.