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I’m planning for retirement in a few years. I’d love someone to check my general setup and allocation of funds and then to offer some insight into how to manage MAGI to keep ACA subsidies under control. First, we need about $100k per year to live comfortably. Been keeping track of expenses...

Looking for some insight here as we look at housing costs. We moved to a location where housing costs are much higher than our last home(600k). We have been looking for a year(!) but bid 1.1 Million for a home and finally won. I feel conflicted on this. The higher price, coupled with the...

I was wondering if anyone under age 65 has a situation where they were splitting their time between the US and another country and therefore only needed to pay for health insurance for, say, 6 months. We are looking to retire soon and wanted to model the cost of health care if we went down the...

Unfortunately we have been going through the process of trying to buy a home. We sold ours a year ago and I’ve had the 600k proceeds in cash as we look for another. For homes in that range I can swing the “all cash” offer which will help us compete in this insane market. Side note: I would...

Ok, so somehow until just recently the backdoor roth seemed off the table until a co-worker mentioned it. Then my company’s 401k company said they would open the door for after-tax contributions so employees could do a mega backdoor for up to 28k more. So I have some questions. Maybe I’m...

I have two questions. I googled the first and couldn’t find an answer. And figured I might as well ask the second ;) 1. I wanted to tax loss harvest some IWM I bought last year. Is VTWO significantly different enough where I can buy this in its place? I know this is a bit grey but they both...

I’ve searched a few of these threads but couldn’t find a specific answer to my question… I own FXNAX (fidelity us bond index fund). I’m sitting on about 7k losses on it. ~95% are long term so I wanted to sell them to offset some gains this year. Im still working so In a high tax bracket and...

A few years ago before finding this board I invested in a fund that did lending to small businesses. Long and sad story short it went south after a few years of nice returns. it was a 900M fund that turned into a Ponzi scheme by the greedy founder. My question is a bit complex. I had...

Hi all, Had a question I wanted to run by everyone. I will be selling my home and buying a new one. But I am also planning to retire in the next 2 years or so (at 44ish). A big part of that is keeping health insurance costs low by using ACA. For that I want to stay under the 400% threshold...

DW and I knew we wanted to move in about 1-2 years (max)…the family and situation we moved to this area for had changed so it was time to move on. But we also had bought in a pretty rural area where homes of our size and value (500k) can take a while to move. The previous owner took 3-4 years to...

Hi all, DW and I had planned to move to another state in about a year or so. We live in a more rural area where homes usually take 2-3 years to sell. However the market got hot here last year and we listed the house for a bit more than we normally thought we might get. Figured if someone comes...

I have a few little IRAs in a bank and wanted to move them all to fidelity. But I googled qnd read that you can’t move more than one IRA in a year. The language is vague, or I am dense. But is the following ok? Wanted to double check. IRA 1 at bank A IRA 2 at bank B IRA 3 at fidelity. Move 1...

I hold large index funds for the most part. However, I did buy some AAPL and TSLA (and GOOG) a few years back. something like 2-3% of my portfolio. Luckily these have performed well in 2020...yet the problem is that I'm overweight them in my portfolio because of their growth. I'd like to sell...

I couldn’t find this anywhere on the SS site. When I go to the SS tool and see that I’ll be getting, say $1500 a month at age 62 or $2000 age 70...will that number go up with inflation? I see it says that from age 62 on the numbers “are adjusted yearly” for cost of living increases. But...

Just read this article and thought it was interesting. Clearly a handful of stocks pulling the index up (or down) the last few months. My question is, what to do about being so overweight these companies? I actually also own aapl, goog... have for years. they are about 12% of portfolio plus...

Was doing a bit of digging into corporate bonds today and was wondering if anyone else puts out orders to see if they’ll get filled at “good” prices. For example the bid ask spread on corporate bonds can be pretty wide. One John Deer bond was basically 100.3 at 103 which in yield terms is...

I started thinking that with these lower rates it might be worth refinancing our mortgage. However here is my situation. 1) Have a 7 year ARM now at 3.75%. Currently 5 years left. A 99% chance we move before then..probably more like 2 years from now. Is it worth refinancing? Will the costs of...

I stumbled upon the 0% capital gains rate and was thinking that when the time was right for retirement I could simply sell off investments while staying in that 0% and pay little to no taxes. I have most of my investments in taxable accounts. I came across this calculator that seems to paint...

This may be a silly question but there is a lot of conflicting info on the web so I figured I would ask here. Can I contribute the max (19k) into my 401k and then also put money into an IRA (max 6k there) to grow tax free? I thought (was told years ago) once I maxed out the 401K that I...

Hi all Long time lurker. First post. I’ve always had the idea in my mind that I wanted to work hard and retire early and live life on MY terms, rather then renting my time to someone for a paycheck. Here is my situation. And of course the question is: can I retire in 2-5 years? Married. And...