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I use Fidelity Full View. It is the only tool I have found that understands my CITs in my 401k at Fidelity. I also have a spreadsheet for rebalancing.

Do you really need to hold your liquid assets in a taxable account? It can be more tax efficient to hold interest paying funds in an IRA or 401k and put equities in the taxable account. A lot of equities pay qualified dividends that get taxed at a better rate. When you need money, sell the...

All our personal investments (brokerage, his/her Roth, ESAs, 529s) are at Vanguard. All my ex-w*rk stuff at Fidelity (401k, HSA). The announcement has just accelerated the move to consolidate at Fidelity. I have been very happy with Vanguard over the last 20+ years, but I'm excited to give the...

Been buying all new clothes. I have lost a lot of weight since last June. I'm usually happy with a $7 Walmart t-shirt type of guy. 1 Patagonia Fleece Jacket 1 puffer jacket on sale 50% off 4 hiking shorts 4 short sleeve button up shirts $1000 (all really nice) 7 Walmart t-shirts $28 I also...

We went to Rendezvous a couple years ago. I was not a fan of their ribs. I liked Central BBQ ribs a lot more. I'm a fan of low and slow ribs done on a smoker. The meat should pull off clean but not fall off. The connective tissue needs to convert to gelatin. That is what makes BBQ special to...

You could google "bernstein lmp". There are some benefits to a liability matching portfolio. If I was 70+ years old, I would look hard at a TIPS ladder for the rest of my life. As it is, I just stick with low cost index funds. They are really easy to manage.

Y'all are making me hungry for some BBQ. I may have to do some ribs this week.

My Costco use to carry prime briskets. I bought one a couple weeks ago and it was choice. It still was good. Lately, I have liked my paprika based rub. I'm from Tx, so I appreciate the simplicity of salt and pepper. How did your brisket turn out? Our chicken was good, but I think I prefer...

Smoking a chicken right now. It probably has been 15 years since I have smoked a chicken. I hope it turns out well or dinner will be just corn and salad. I usually do brisket, pork loin, and pork shoulders. I'll do ribs a few times a year also. Chicken is so fast, I thought it would be nice to...

Thanks for your hard work. I like the new, fresh look.

We have been watching Endeavour on Prime. It is a British police show solving murders in Oxford in the 1960's. Very well done.

I had never listened to the blues until a trip to Memphis a few years ago. I learned I really liked it, especially the older stuff. I'll throw out a name I haven't seen anyone else mention yet. Howlin' Wolf When I came home from Memphis, I really enjoyed listening to the blues on Youtube...

I retired last year, and I have lost a lot of weight. I now weigh the same as when I was 20. Here are a few things I have learned. 1. The number of fat cells do not change in adults. The fat cell size change, but not the number of fat cells. If you have stomach fat and remove it, it will not...

Some things to consider: 1. If you are married, your taxes could be much higher once there is only one person. 2. Put the investments with the lowest expected return in the IRA to help control grow (e.g., bonds) 3. Converting to the top of the 12% bracket can really be more like a 27%...

Write off $3k/yr Save remaining losses for when you sell your house. That could eat up the rest of the losses. Do Roth conversion. Do not move 401k money to taxable just to eat up losses.

Happy Easter to all! Tomorrow we are taking an elderly, single neighbor to church with us then out for a meal. It should be fun. He likes to walk with my DW, dog, and me in the evenings.

You could build a tips ladder to guarantee $2k/mo real and invest the rest in equities. It looks like a 30 year ladder would be ~$530k. Then invest the rest in your favorite equity fund. https://www.tipsladder.com/

This is exciting. I signed up on the dexcom website to be notified once it is released. I saw one source that thought it would be about $100/mo. I would probably use it for a month or two to understand how my diet and activities affect my blood sugar. My last A1C was 5.6. I'm fine. The CGM...

I'm glad that works for you. One of the nice things about the process I described is that it can be done at the end of the year once one knows the income for the year. That way one can do the Roth conversion up to what ever level makes sense. This avoids penalties and having to use the...

Here is a discussion from bogleheads https://www.bogleheads.org/forum/viewtopic.php?p=7731023#p7731023 To summarize: 1. Do direct Roth conversion and withhold enough in taxes to avoid IRS penalties. Withholdings are always timely. 2. From your taxable account move money into your Roth IRA...

Here is a recent thread from bogleheads that cover this. It is doable. I may try it for the first time this year. https://www.bogleheads.org/forum/viewtopic.php?p=7731023#p7731023

Thanks for pointing this out. I just tried it and it came up with the same estimated tax that I had calculated by filling out a complete dummy tax return. Your method was much faster.

In general it goes like this: pre-tax accounts: put all bonds here first post-tax (Roth): all equity (tax inefficient funds go here before taxable) taxable: all equity (most tax efficient funds here first) This is a rule of thumb. The idea is to minimize the tax drag on your portfolio.

It may be more tax efficient to put your 2-3 years of cash in your IRA and Total Stock Market fund in your taxable. When you need spending money, sell shares of TSM from taxable and exchange cash for TSM in your IRA. This has the same affect as holding cash in taxable and TSM in IRA, but it is...

We have been enjoying the limited series on Netflix. We just finished Queens Gambit and are now half way through Bodies. Both are pretty good. The limited series are nice because you can watch the whole thing in a week or so and be done with it. Most series start to fall apart in the last...