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Old 12-17-2020, 06:20 PM   #21
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I refill my bank account from my savings account when it runs low. I refill my savings account from my taxable account when it runs low. My taxable won't run out until I turn 59.5, which is 8 years from now. At that point I'll reevaluate.

I usually refill my savings account with 3-6 months expenses, with adjustments made for large upcoming expenses, end of calendar year (if I can push a LTCG from this year to next easily, then I probably will), and my tax situation.

I Roth convert in December once I know my tax situation for the year. This year I chose to do half of my Roth conversion in March when the market was obviously down.

I rebalance lazily and those rebalancing transactions take place in my t-IRA.
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Old 12-17-2020, 09:37 PM   #22
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Join Date: Jul 2005
Location: Los Angeles area
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First day of each quarter convert all accumulated dividends from IRA to Roth. Any balance over $40K buys more stock in the Roth. Transfer $$ from Roth to checking account as needed, typically about once a month.
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