401k vs IRA vs taxable — where to put extra savings
Healthcare bridge 60-65: budgeting $1,200/month for ACA marketplace plan. Income management to stay under subsidy cliffs can save $8,000+/year in premiums.
65 Comments
What's your thoughts on the downside risk here?
This is a solid framework. Saving this post.
Curious about the rebalancing approach. Annual or threshold-based?
Counterpoint: what happens if rates stay elevated longer?
I've been thinking about this too. What's your time horizon?
The exit strategy is what most people don't think about.
Curious about the rebalancing approach. Annual or threshold-based?
Been saying this for years. Nice to see it laid out clearly.
How long have you been doing this? Impressive numbers.
This is either genius or the most expensive lesson of your life.
What brokerage are you using for this?
Have you modeled different interest rate scenarios?
The behavioral aspect of investing is so underrated.
The behavioral aspect of investing is so underrated.
How long have you been doing this? Impressive numbers.
Curious about the rebalancing approach. Annual or threshold-based?
Done similar analysis. Your numbers check out.
Have you modeled different interest rate scenarios?
What brokerage are you using for this?
Mind sharing your full allocation?
The fee math always surprises people when you actually do it out.
This is essentially what a financial advisor charges $5k to tell you.
FIRE community is the most underrated corner of personal finance.
Counterintuitively, the best time to buy is when you're most scared.
This is a solid framework. Saving this post.
Have you considered the tax implications of this approach?
Interesting perspective. I see it differently — happy to elaborate.
This is the way.
This is either genius or the most expensive lesson of your life.
The fee math always surprises people when you actually do it out.
How long have you been doing this? Impressive numbers.
Great post, thanks for sharing this.
Not financial advice but I'm doing the exact same thing.
What catalyst are you watching for?
The international allocation debate never gets old.
Any thoughts on doing this in a taxable account?
The psychology of money matters as much as the math.
This is the way.
FIRE community is the most underrated corner of personal finance.
I've been burned by this before. Your caution is warranted.
I ran the same numbers. You're on the right track.
Love the transparency. This community needs more of this.
The behavioral aspect of investing is so underrated.
FIRE community is the most underrated corner of personal finance.
Curious about the rebalancing approach. Annual or threshold-based?
The math here is solid. This is what people miss.
This is exactly what I needed to read today.
FIRE community is the most underrated corner of personal finance.
How does this compare to just buying VTI and forgetting about it?
Have you stress tested this against a 40% drawdown?
I ran the same numbers. You're on the right track.
How does this compare to just buying VTI and forgetting about it?
The math here is solid. This is what people miss.
This is exactly what I needed to read today.
This is essentially what a financial advisor charges $5k to tell you.
I've been burned by this before. Your caution is warranted.
Mind sharing your full allocation?
This is a masterclass. Bookmarked.
Mind sharing your full allocation?
Good luck! Keep us updated.
Have you stress tested this against a 40% drawdown?
This is either genius or the most expensive lesson of your life.
Have you considered the tax implications of this approach?
Been saying this for years. Nice to see it laid out clearly.
How does this compare to just buying VTI and forgetting about it?
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