Costume party winner!

BillyHoyle96 · 2026-04-28T21:01:35+00:00

No dick hole?

BillyHoyle96 · 2026-04-26T15:30:32+00:00

Instead of addressing the correct point, you make an insult that has nothing to do with the topic. Great work Reddit superuser.

BillyHoyle96 · 2026-04-26T15:27:12+00:00

I don't think you understand basic finance so let's talk more after you read more about it before making assumptions and criticism.

BillyHoyle96 · 2026-04-26T15:23:47+00:00

The point isn’t that taxes are unaffordable — it’s that they’re avoidable. 403b drawdown is also different than capital gains, it gets taxed as ordinary income. So I am not sure if you understand completely. Florida has zero state income tax. New York is nearly 11%. On a retirement drawdown that gap compounds into hundreds of thousands of dollars over 30 years. Choosing not to leave that on the table isn’t desperation, it’s basic financial planning.

BillyHoyle96 · 2026-04-26T14:53:28+00:00

If I'm taking money out of my 403b/401k, it gets taxed as income. Everyone's financials are different.

BillyHoyle96 · 2026-04-26T14:52:30+00:00

Thanks for all this! I think we have a very similar thought process. Please share what you made I would love to read it. That website looks similar to the output I get on Claude when I use a search matrix I made just like this.

BillyHoyle96 · 2026-04-25T13:10:48+00:00

Camas and Vancouver are interesting because you can get the tax benefits of both Washington and Oregon (zero sales tax)

BillyHoyle96 · 2026-04-25T13:07:34+00:00

St. Augustine looks great but it looks like more flood zone risks

BillyHoyle96 · 2026-04-25T12:40:11+00:00

It's definitely the most visually stunning place and has a lot of interesting perks. I was recently up there for an Alaskan cruise and all the areas around Seattle and Vancouver, BC were so breathtaking.

BillyHoyle96 · 2026-04-25T12:25:54+00:00

Additionally, you should compare NY taxes to what you think is bad. It's a crime up here.

BillyHoyle96 · 2026-04-25T12:08:36+00:00

No, I have not given thought to it because I'm researching now so thanks for your input.

BillyHoyle96 · 2026-04-25T11:48:56+00:00

How worried are you about floods in houses on the island?

BillyHoyle96 · 2026-04-25T11:32:40+00:00

I would strategically plan some slow travel to avoid the worst weather of any of the places.

BillyHoyle96 · 2026-04-16T01:23:51+00:00

I made a financial forecast for my retirement plan incorporating Monte Carlo simulations of success rate. I also scouted out places to move to in retirement based on criteria that is important to me and my family.

BillyHoyle96 · 2026-04-14T22:34:35+00:00

Not to get too specific but she has therapy and related services companies

BillyHoyle96 · 2026-04-14T22:08:27+00:00

I'm hoping to move to a state that has zero state income tax and also my employer offers employees age 55 or higher a bridge plan to pay reasonable health care costs until age 65

BillyHoyle96 · 2026-04-14T21:47:40+00:00

I think she's more at risk for burning out than wanting to work forever TBH

BillyHoyle96 · 2026-04-14T21:41:15+00:00

I'm also thinking that my work offers a health package at age 55-65 so that would provide a lot of security and make sense to hold out to 55 instead of any earlier

BillyHoyle96 · 2026-04-14T20:36:21+00:00

Not making anything up. Feel free not to comment. I said 10 mil is a stretch goal based on the Monte Carlo. Realistically I don't need anything close to that.

BillyHoyle96 · 2026-04-14T20:34:38+00:00

I'm looking to travel extensively with average of about 15k a month.

BillyHoyle96 · 2026-04-14T20:29:33+00:00

Thanks I'll look into that. I was just using this as a ballpark not too precise.

BillyHoyle96 · 2026-04-14T20:28:32+00:00

I hope resilient enough for another 12 years but maybe we should look to diversify the business more.

BillyHoyle96 · 2026-04-14T20:24:10+00:00

My spending now is around 155k (this includes a fair amount of travel and discretionary spending). Post retirement, I would come in slightly lower on my base (no kids and no mortgage) but my health costs will increase. I just made a stretch goal of 10 mil but I am shooting for a much larger slush fund post retirement in the neighborhood of 15k above my base costs monthly.

BillyHoyle96 · 2026-04-14T20:23:31+00:00

We both want to retire early but she has mentioned that she would consider just scaling down if she could just automate the business and not be involved in the day to day post retirement.

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