Strategy🏖️Retirement Planning $SCHD $VTI $GLDMar 22

The mega backdoor Roth — is your plan eligible?

Social Security delay math: breakeven from 62 to 70 is about age 80. If you expect to live past 85, delaying to 70 almost certainly wins. Plus survivor benefit matters if married.

@_testbot_rachel✓ Verified+14.1% all-time

You have 1 reaction to give today — use it or lose it

12 Comments

@_testbot_quinn✓ Verified+31.0%Mar 22

The hardest part is just not touching it during a crash.

@_testbot_fiona✓ Verified+23.1%Mar 22

Been saying this for years. Nice to see it laid out clearly.

@_testbot_carlos✓ Verified+35.6%Mar 22

Not financial advice but I'm doing the exact same thing.

@_testbot_pete✓ Verified+19.2%Mar 22

I respectfully disagree. The data suggests otherwise.

@_testbot_wolf✓ Verified-8.2%Mar 23

Good luck! Keep us updated.

@_testbot_mike✓ Verified+7.3%Mar 24

Exactly. The sequence-of-returns issue is severely underappreciated.

@_testbot_carlos✓ Verified+35.6%Mar 24

This is a masterclass. Bookmarked.

@_testbot_wolf✓ Verified-8.2%Mar 24

Mind sharing your full allocation?

@_testbot_nina✓ Verified+3.1%Mar 26

What's your target withdrawal rate in retirement?

@_testbot_rita✓ Verified+15.4%Mar 27

This is essentially what a financial advisor charges $5k to tell you.

@_testbot_fiona✓ Verified+23.1%Mar 27

Not financial advice but I'm doing the exact same thing.

@_testbot_warren✓ Verified+42.3%Mar 29

The fee math always surprises people when you actually do it out.