- Joined
- Oct 13, 2010
- Messages
- 12,061
A HELOC was on the table for me, back in the days when I was staring down 10 years of 400% FPL cliff ACA before getting to Medicare.
In my case, though, my models were overly conservative and a bit flawed when it came to the amount of income tax I'd owe, which was less than I forecast (because I was an idiot about how I forecast it). So I never got to the point of needing the HELOC. But, like you, "everything" was in tax advantaged accounts in my case.
The other option, again, I didn't need to take, was a 72t. I think that might be more advantageous than HELOC. You 72T just enough to let you squeak-by, spending-wise during these pre-Medicare years.
In my case, though, my models were overly conservative and a bit flawed when it came to the amount of income tax I'd owe, which was less than I forecast (because I was an idiot about how I forecast it). So I never got to the point of needing the HELOC. But, like you, "everything" was in tax advantaged accounts in my case.
The other option, again, I didn't need to take, was a 72t. I think that might be more advantageous than HELOC. You 72T just enough to let you squeak-by, spending-wise during these pre-Medicare years.