Recent content by NanoSour

I've been converting up to the top of the 24% bracket for the past two years and will convert the last 100K at the beginning of next year. One of the main benefits is how it simplifies withdrawal strategies for DW should something happen to me. Many of us are concerned about our spouses taking...

Spent $1,200 on a watch for son's college graduation gift. We wanted to get him something that has a good chance of still being around in 20-30 years to remind him of us. Selfish I know. :)

I would suggest looking deeper into the Schwab robo investing before going there. Due to the relatively high cash positions, coupled with the pittance they pay on cash (that's how they make their money), they consistently under-perform the market for any given asset allocation...

18.9% as I finish up Roth conversions. 2024 will be our last conversion year, then it should settle down to the 3% range until SS at age 70.

Great post and congratulations. Posts like yours helps pull others through.

Throwing your numbers in Firecalc and using the Bernicke spending rule to a 100% success rate gives you a spending level of $224K/year. I think you will be fine. Congrats!!!

Super great post. I love hearing about successful young families. Stay focus and don't try to beat the market and you will most surely have financial freedom by your mid-50s.

+1. I don't work for them.

Many list their max as 2.5% in their ADV Form Part 2. From Hightower Advisors, LLC in Chicago which manages $105B for 145,000 clients: " Hightower will generally seek to structure such fees so that, when aggregated with Hightower’s advisory fees, its total annual compensation does not exceed...

I would say good luck with that. First, few FA will put clients into a 100% stock asset allocation due to associated risk. Therefore, it is definitely wishful thinking to ask them to beat the S&P. If you want to beat your FA, just fire him/her and invest in the S&P or TM ETF. Done...

Congrats...I'm 11 years in and I still have to pinch myself occasionally.

2.47% for core inflation. It's the perfect number don't you think?

I spent a lot of time thinking about this over the past year and have settled on this as our plan. 1) All our monthly bills are paid automatically from our checking account via ACH. 2) I was a 3-Fund investor for years which included me handling tax-loss harvesting and rebalancing duties...

BTW, to bump up the 256GB internal drive, I purchased an ACASIS external M.2 enclosure and put a 1TB Western Digital stick in it. It almost doubles my RW speeds so I installed Sonoma on it as my primary boot drive. Two months in and it's lickety split 2800 MB/s R/W vs stock speeds of 1700...

Best of luck. You're gonna love it me thinks. I recently bought an base model M2 Mac Mini to replace my 27" 2010 iMac. Did a "Blow that Dough" on the Studio Display and it's awesome.