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Hi All I recently met with my Fidelity private client group advisor where I was introduced to Separately Managed Accounts focused on Tax Loss Harvesting. Searching the forum, I found the last discussion on this topic from 2017-...

As we get closer to our 'number', I'm exploring ways to manage our nest egg in FIRE. I have two questions. First, how to organize our accounts to minimize the sequence of returns risk? I'm thinking of building up a large reserve of cash (1-3 years of expenses) to buffer against extended down...

As I approach my target faster than I planned, I can't help to think - how will I know its time? Everyone is at the mercy of the market, and one day I'll hit my number, but the next day/week/month could drop below. I don't feel like its a binary operation. I'm thinking, I should way at least...

I had a wonderful experience this past week I wanted to share and get advice from the forum. My DW's adult niece was staying with us for several days this past week, she's in her mid-20s. Her parents don't manage their money well and don't quite get LBYM concept. Our niece asked us for advice...

My employer recently added a benefit to our retirement plan which allows me to contribute after-tax dollars through payroll deductions. My understanding of this benefit is the IRS limit is 401K pre-tax + 401K ROTH + company match + new after-tax contribution cannot exceed $57K. Since I max out...

HI All! I've been lurking on this site for a while and felt it was time to join in the discussion. A bit about us - We're 42 yo DINKs and I feel that we're on track for our 2029 target, but it's always good for other opinions & thoughts. My target is 4M total with 3-3.5% WR for 120K-140K...