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Forum: FIRE and Money 08-14-2022, 08:32 AM
Replies: 63
Views: 5,377
Posted By DawgMan
Yep. That's effectively the strategy. Having...

Yep. That's effectively the strategy.

Having always been total return, annual rebalance guy during the accumulation years holding only bond funds in my fixed allocation, the switch to a bond...
Forum: FIRE and Money 08-14-2022, 07:31 AM
Replies: 63
Views: 5,377
Posted By DawgMan
Curious to get some opinions on the following...

Curious to get some opinions on the following strategy I adopted as of the beginning of 2022 (YR 1 RE) as it is somewhat relevant to the "should I buy 5+ years of CDs (or say bonds/treasuries)"...
...
Forum: FIRE and Money 08-10-2022, 04:47 PM
Replies: 116
Views: 4,900
Posted By DawgMan
Well, that's a kick in the nutzz! I was hoping...

Well, that's a kick in the nutzz! I was hoping one of the new 87K IRS agents would hear me out! :facepalm:I suppose knocking out as much of the conversions before 63 is now the strategy.
Forum: FIRE and Money 08-10-2022, 02:51 PM
Replies: 116
Views: 4,900
Posted By DawgMan
Good catch, although I understand there are...

Good catch, although I understand there are certain circumstances where you can appeal the IRMAA determination, eg. "if you have had a life-changing event such as a loss of income or divorce, then...
Forum: FIRE and Money 08-10-2022, 12:43 PM
Replies: 116
Views: 4,900
Posted By DawgMan
Here's my quick logic. If your projections have...

Here's my quick logic. If your projections have you just touching the 24% bracket today and your future projections have you over 24% as of RMDs, then the sooner you convert the delta that would get...
Forum: FIRE and Money 08-10-2022, 12:36 PM
Replies: 116
Views: 4,900
Posted By DawgMan
Other than single spouse and inheritance...

Other than single spouse and inheritance benefits, the goal is not to be in a lower tax bracket but ideally be in the same tax bracket starting day 1 of retirement through the dirt nap.
Forum: FIRE and Money 08-10-2022, 12:34 PM
Replies: 116
Views: 4,900
Posted By DawgMan
Assuming the estate limit gets cut and half as...

Assuming the estate limit gets cut and half as currently planned in 2026, I believe the appropriate strategy will be going back to certain Trust structures to eliminate the estate tax. At least that...
Forum: FIRE and Money 08-10-2022, 08:15 AM
Replies: 116
Views: 4,900
Posted By DawgMan
Quickly browsed through the responses. Lots of...

Quickly browsed through the responses. Lots of moving parts in trying to optimize Roth conversions. Like most here, I plan on trying to optimize, but to a reasonable point based on what I know the...
Forum: FIRE and Money 08-09-2022, 04:07 PM
Replies: 111
Views: 9,086
Posted By DawgMan
Like most here, I prefer to fly low and stay out...

Like most here, I prefer to fly low and stay out of the lime light. Arguably, my cars probably represent my most in your face bling (I like nicer, newer cars)... other than DWs...
Forum: FIRE and Money 08-09-2022, 02:57 PM
Replies: 62
Views: 6,508
Posted By DawgMan
Older thread, but I thought this particular...

Older thread, but I thought this particular response and chart was somewhat reassuring for those of us who retired this year and are reliant on their portfolios to cover their spend. Personally,...
Forum: FIRE and Money 08-04-2022, 05:24 AM
Replies: 1,299
Views: 129,305
Posted By DawgMan
So here is something I just don't get. I am a...

So here is something I just don't get. I am a Schwab guy and prefer to keep my dollars under one roof if nothing else to just keep things simple. Part of my plan has me holding about mid 6 figures in...
Forum: FIRE and Money 08-03-2022, 03:49 PM
Replies: 18
Views: 949
Posted By DawgMan
I can relate to the "can (should) I give myself a...

I can relate to the "can (should) I give myself a raise" tension. Like OP, I am in year 1 of retirement and at 58, I conservatively underwrote a low 2% WR at beginning of year when my portfolio was...
Forum: FIRE and Money 07-30-2022, 08:54 AM
Replies: 1,299
Views: 129,305
Posted By DawgMan
I have to say I am a little irritated that Marcus...

I have to say I am a little irritated that Marcus did not raise their rate closer to the upper end of the competition (currently at 1.5% after yesterday's bump compared to now 2%+ from others). For...
Forum: FIRE and Money 07-27-2022, 06:46 AM
Replies: 1,299
Views: 129,305
Posted By DawgMan
Interesting there is that big a gap between some...

Interesting there is that big a gap between some of these HYSAs. I feel like I am watching a constant horse race. One minute Marcus is the lead horse and then here comes Bask. I would assume they all...
Forum: FIRE and Money 07-27-2022, 05:56 AM
Replies: 162
Views: 8,451
Posted By DawgMan
Well, my revised strategy has me holding no more...

Well, my revised strategy has me holding no more than 10 years in fixed so that skews my AA to a higher stock position. As mentioned, I could choose the more conservative approach of reducing my...
Forum: FIRE and Money 07-26-2022, 06:56 PM
Replies: 162
Views: 8,451
Posted By DawgMan
Quick read thru the threads... smarter people...

Quick read thru the threads... smarter people than me here, but as a newbie retiree, my MO changed. I went from pure TR with stock/bond ETFs to more of a bucket guy. I retired at the beginning of...
Forum: FIRE and Money 07-17-2022, 04:21 PM
Replies: 18
Views: 951
Posted By DawgMan
Good question! I am in year 1 of retirement...

Good question!

I am in year 1 of retirement and last years naturally occurring dividends would have covered about 60% of my planned spend. Anticipating a bad SORR scenario (and it happened), I set...
Forum: Active Investing, Market Strategies & Alternative Assets 07-17-2022, 04:07 PM
Replies: 374
Views: 27,126
Posted By DawgMan
+1 The pigs have gotten fat during this past...

+1

The pigs have gotten fat during this past long bull run (me included). There is a large part of the working population that has never experienced a $hit show like 2008 so this is/could be their...
Forum: Life after FIRE 07-07-2022, 11:20 AM
Replies: 42
Views: 2,829
Posted By DawgMan
I did effectively what you are considering. In my...

I did effectively what you are considering. In my case, I retired this year and joining a golf club was on my list of considerations. Previously, I was weekend hacker playing sometimes 2 times a...
Forum: FIRE and Money 07-01-2022, 03:49 PM
Replies: 61
Views: 4,571
Posted By DawgMan
I quickly skimmed the responses and here are my...

I quickly skimmed the responses and here are my ideas...

1) Everything everyone else suggested which is pretty much maximizing all the standard tax deferral and HSA plans;

2) See if you can...
Forum: Active Investing, Market Strategies & Alternative Assets 06-28-2022, 04:09 PM
Replies: 10
Views: 1,062
Posted By DawgMan
Interesting that 2.5 years of cash with an 80/20...

Interesting that 2.5 years of cash with an 80/20 AA will buy you 20 more years??? However, if would seem that if you retired this year and we continue with another 20% drop in 2023 you might quickly...
Forum: Active Investing, Market Strategies & Alternative Assets 06-27-2022, 12:12 PM
Replies: 10
Views: 1,062
Posted By DawgMan
I suppose I get the attraction to this when...

I suppose I get the attraction to this when starting out, effectively providing 2.5 years of runway in the event the market goes Bear year 1 (which is my case). I did not read the whole article, but...
Forum: Active Investing, Market Strategies & Alternative Assets 06-27-2022, 12:04 PM
Replies: 10
Views: 1,062
Posted By DawgMan
So this was my thought in moving from a pure TR,...

So this was my thought in moving from a pure TR, rebalance to set AA every year. While I can appreciate the "won the game, why keep playing" approach, I tend to lean into "keep playing" approach...
Forum: Active Investing, Market Strategies & Alternative Assets 06-26-2022, 02:32 PM
Replies: 10
Views: 1,062
Posted By DawgMan
Bucket Strategy Question - When to Draw from Bonds & Stocks

Year 1 retired and had moved from a pure Total Return approach to more of a 2 Bucket approach. At the beginning of the year I started to effectively ladder 10 years worth of individual bonds based...
Forum: Active Investing, Market Strategies & Alternative Assets 06-23-2022, 06:44 AM
Replies: 374
Views: 27,126
Posted By DawgMan
Realtime update - Son and Seller just agreed to...

Realtime update - Son and Seller just agreed to do the deal at Son's last offer less his increase in loan costs (less another $10K) to buy his loan down to his rate from 2 weeks ago. In the meantime,...
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