heavyseve146
Confused about dryer sheets
- Joined
- Nov 7, 2023
- Messages
- 4
I'm a 73 year old longtime lurker/member and have never introduced myself. My wife and I are comfortable in our retirement, now in Arizona, but not 'rich.' I also regularly check the bogleheads forum and am extremely grateful for the wealth of knowledge I have gained over the years here and there.
I do use a 3 fund portfolio of both the Vanguard and Schwab ETF's for US and international equities and US fixed income. I also have power of attorney for my 2 sisters retirement accounts and utilize the same 3 fund portfolio with more conservative allocations.
I'm a do it yourselfer, always have been. I've also put my toes in the water with advisors and assets under management fees, but not for a long time. I hope you've seen the statement in my title before because I often study a topic too long before taking action. I've learned many lessons via my delays and/or mistakes.
I do regret using capital gains at low tax rates to fund the early years of our retirements. I didn't know early enough how useful making Roth conversions from our regular IRA's could be during years of lower income.
Best wishes to everyone as you start/continue your journey of early retirement and beyond.
I do use a 3 fund portfolio of both the Vanguard and Schwab ETF's for US and international equities and US fixed income. I also have power of attorney for my 2 sisters retirement accounts and utilize the same 3 fund portfolio with more conservative allocations.
I'm a do it yourselfer, always have been. I've also put my toes in the water with advisors and assets under management fees, but not for a long time. I hope you've seen the statement in my title before because I often study a topic too long before taking action. I've learned many lessons via my delays and/or mistakes.
I do regret using capital gains at low tax rates to fund the early years of our retirements. I didn't know early enough how useful making Roth conversions from our regular IRA's could be during years of lower income.
Best wishes to everyone as you start/continue your journey of early retirement and beyond.