Our Roth Regrets // The Roth IRA Strategy We Wish We’d Built
We didn’t contribute to Roth accounts when we were under the income limit, and for years didn’t think it was a big deal. But now we’re filled with Roth remorse. Here’s why.
Don’t Forget About Your Later Years // Planning for Early AND Traditional Retirement
We know — the excitement of the *early* part of early retirement is powerful. So much so that it’s easy to focus our retirement planning mostly on those early years. The later years are also so much harder to predict — more variables, a longer time horizon, more unknown unknowns. But as we’ve seen in our own planning, it’s easy to have an inadvertent early phase bias built in — here’s how to suss that out and ensure that you’re planning for both your early retirement and traditional retirement.
Minimizing Early Withdrawals in Early Retirement // Hang On to As Much As You Can for Later
Some possible fighting words today, as we delve into the question of whether it makes sense to think of both taxable funds and tax-advantaged retirement funds as one big pool of money. Why does it matter? Because there are a bunch of potentially huge downsides to withdrawing traditional retirement funds early through Roth conversions or rule 72t distributions (or different approaches that exist in other countries). Fortunately, there’s another great option if you’re willing to do a little more math.
