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I've searched but can't seem to find if this has been answered. We're in the process of signing up for an ACA plan through the Colorado state exchange and we're trying to decide if we should take the subsidy monthly, or just wait and claim it on our taxes. The pro of paying in full and taking...

Hi all, I gave my notice yesterday and one of my colleagues casually asked me how I was able to leave the job at 53. I thought about that, and thought about what I could tell him that would help him the most (as he was showing interest in learning how to achieve a similar result). It occurred...

Next year our plan is to earn ~25K, stop working in April or so, and make a Roth conversion in Dec of ~40K (being careful to stay under the ACA subsidy limit). As this will be the first year where both DW and I are not gainfully employed for the full year, I'm unsure what I might need to do in...

Long-time accumulator, hoping to soon become a withdrawer here - and I wonder if you all could guide me through some basic capital gains questions. I know realized capital gains are reported on form 1099-DIV, but when we're retired I'm going to need to manage our taxable income to stay under...

Reading the thread about abrupt retirements got me to wondering how those who retired before they reached their number, or their planned retirement date, feel about that decision. If you EER'd (early, early retired :coolsmiley:), do you regret having done that? It seems like many here say they...

I stumbled across a Kitces post that seemed to imply Bernicke's numbers might be off. A relevant quote from the article: (bolding mine) Kitces still seems to think the cumulative research shows that spending does tend to decline in retirement, but maybe just not as much as Bernicke believes...

The 4% rule assumes an annual increase in spending tied to the CPI. I wonder though, those of you who have been retired for 2+ years - has your actual spending increased annually by approximately the same amount as inflation? I realize the 4% rule is only a model, and so I wouldn't expect...

This is sort of a spin-off of the $4,000 a month thread. Like snowflakes, everyone's retirement lifestyle is unique - and uniquely priced. Further, I would venture to guess most, or at least most on this forum, are happy with their retirement lifestyle. So with that lead in, sell those of us...

A lot of the posters here seem to have, and advocate contributing to, Roth accounts, and an advisor at my wife's office recently suggested we contribute as much as we can to her 403b Roth, but I just don't get it. We're mid-40s with approx. $350K saved so far, almost all of it in regular...

Trying to see how many acronyms I can fit in one subject line :) Would love to hear how those of you who have no plans to leave an inheritance managed your withdrawal strategy. Did you simply stick with a 3-4% +inflation SWR method for peace of mind, or did you instead plan on some managed draw...

Have read several articles that say something along the lines of, "Mid-forties, you should have an AA of about 60/40 equities/bonds." I'm not sure I understand this line of thinking. If I'm still in the accumulation phase and don't need the money for at least 10 years, what would be the benefit...

I'm sure this has probably been discussed to death, but I'm having a difficult time even determining what terms to search on. My problem: DW and I would like to retire in 10-12 years or so, when I'm about ~55 and she'll be ~53. I've run various calcs and it seems like we're on track, but I'm...

I'm still trying to learn how to use the FireCalc tool and would greatly appreciate it if anyone with more experience could double check my assumptions/input. What I want to do is get an idea of how much my wife and I would need to earn if we decided to stop working full-time in the very near...

First, my apologies. My wife and I began investing in our 401Ks about 10 years ago. We fully accept responsibility for the last decade - economics wise :hide: Having said that, I'm finding it more and more difficult to support the buy-and-hold strategy when my wife and I discuss the best plan...

I've seen so many threads on this topic, on this and other forums, but I've yet to see a thread where any community attempts to make a mostly comprehensive list of the inefficiencies in the current U.S. healthcare system. Plenty of mention of inefficiencies, but no specific listing. Of the...

Help me, please. I have this nagging feeling that this might be an opportune time to make some moves that could serve me well in 7-1x years or so. Problem is, I'm not sure what, if anything, I should do about it. Again, I'm fairly new to the forum, though I've been reading for quite awhile. My...

Hi, been lurking awhile and thought I'd jump into the waters (they look fine). I'm 41, my wife is 39, and even after reading most of the posts in the Young Dreamers and FIRE and Money forums I can't for the life of me understand how you are all achieving this RE thing. I'm currently reading a...