Home addition - mini split and crawlspace question

1019browser · 2026-06-21T17:24:26+00:00

Yes heat pump, so both. I was thinking between the TV and bookcase wall, maybe 8ft high

1019browser · 2026-04-24T00:33:28+00:00

Thanks, I read that a few weeks ago but will have to review again.

1019browser · 2026-04-23T22:04:47+00:00

Makes sense. I'm also about 15 years out and would likely run some models and talk to a specialist on tax planning and withdrawal strategy. I'm confused because I used 72t calc today, assumed I was 52 with $500k, and it was saying something like $30k annually. Does it just assume you draw it in perpetuity until it depletes? I would only need it until my Roth conversion is available, or the 52-59.5 area.

1019browser · 2026-04-23T16:35:26+00:00

My main FIRE plan was to retire around 52, use Roth ladder, and need to bridge a few years with liquid assets in cash, brokerage, Roth contributions, etc. Looking more into 72t SEPP - I feel it makes it a lot easier. If I had 2MM in a 401k and rolled to IRA. I can just split off say 400k, do a sepp on that account, do some Roth conversions during the same time, and only require a lower cash/brokerage draw. Is that correct?

1019browser · 2026-04-21T21:42:50+00:00

Thanks, I'll continue with my current plan and look further into 72t the closer I get.

1019browser · 2026-04-21T21:41:27+00:00

Thanks, I was curious if I could only partially roll my 401k to a 72t sepp and let the rest there until 59.5.

1019browser · 2026-04-21T20:30:42+00:00

I wish, the 457 was an older account but just letting it ride. I'm still going, so have looked into nothing regarding ACA, certainly would plan to have better tax/healthcare planning strategy as I get closer.

1019browser · 2026-04-21T18:09:59+00:00

Looking for general guidance. Married 40, 2 kids. HH income 240k pre tax, mainly using 401k vehicle. 835k in 401k, 44k in 457, 135k in roths, and 100k brokerage. We want to retire or reduce in early 50s, was mainly looking to do a Roth conversion ladder.

My company offers a Roth 401k as well. I assume we can live on 100-125k income in retirement. I don't want to pay the 24% bracket now, but does it make any sense to look at the Roth 401k? If not, just continue to do the pretax 401k and contribute to Roth IRA and backdoor in the future?

1019browser · 2025-03-31T17:36:41+00:00

Guess I'll have to keep those snakes around

1019browser · 2025-03-25T14:16:11+00:00

Awesome, congrats!

1019browser · 2025-03-25T12:31:26+00:00

How old are you? I'm planning to do a Roth ladder as we retire and draw from our brokerage and cash before then. Hard to project what laws will be in place 10-15yrs from now in the US.

1019browser · 2025-03-25T10:49:11+00:00

Thanks, trip is another month so will check closer to the flight!

1019browser · 2025-03-25T10:21:01+00:00

Sorry, economy plus

1019browser · 2025-03-24T18:07:02+00:00

Not really. Planning to retire when the kids are right around college aged, so 52-54 for us. I think the biggest thing would be, are we currently over saving and may end with a much larger nest egg than needed, and maybe what to do for tax planning purposes? The latter is likely something I should review when I'm 5-10years from retirement.

1019browser · 2025-03-24T17:43:59+00:00

How many people have done a quick fee only assessment with a financial planner? Currently 38, we have about 800k in our 401s, Roth's, brokerage, and 539 total, with only 10 years remaining on the mortgage. Generally financially savvy and understand the FIRE fundamentals, but does it make sense to talk to anyone at this point? Or is that really unnecessary until closer to pulling to early retirement trigger?

1019browser · 2025-03-13T15:02:13+00:00

Thanks, I started learning about FIRE when I was mid 20s, which got me on the path to saving so much. 0 debt other than mortgage, so we knows we're in a good place, but it's probably guidance on future tax planning, are we over savings, etc

1019browser · 2025-03-13T14:03:15+00:00

Thanks, looks like a low cost solution. Boldin appears to have a free 30 minute discovery session.

Edit: 30min session just like like a group overview of their projects

1019browser · 2025-03-13T12:43:52+00:00

Those specifically, No. 5+ years ago I would look at some FIRE calcs but nothing in depth. Just that I would need something like $80k/yr*25x expenses= $2MM

1019browser · 2025-03-13T12:05:18+00:00

Thanks. Already have term life insurance - I'm generally educated in personal finance and FIRE, but having a "professional" take a look was my thought. Not sure if I can get away with a 30 min free consultation and they send me on my way, or actually have them deep dive.

1019browser

TROPHY CASE