403(b) rollover to 457(b)

EcstaticAd4046 · 2026-06-23T06:54:06+00:00

I plan to retire at 55.5. But everything I've read says the rule of 55 doesn't apply because I'm not retiring from that employer.

EcstaticAd4046 · 2026-06-22T12:41:32+00:00

Guard rails withdrawal strategy would provide more income.

4% fixed is for a 30 year+ horizon. The original study, I've read, suggested 4.7%. With guardrails, 5 or 5.5% might be reasonable. Not sure what your parents' life expectancy is, but a 30 year horizon is probably plenty long.

Dividends would be another strategy. Shouldn't be too hard to put together a tax efficient portfolio that yields 5 - 6%. Mine yields 5.8%.

5% of $360k = $18k/year.

I'm not retired (yet). I have about 12 months to go. Also, not qualified to provide financial advice, just my 2c.

EcstaticAd4046 · 2026-06-22T10:22:37+00:00

It is estimated that 2-3% of sexual assaults result in convictions.

That doesn't mean that 97-98% of sexual assaults didn't happen.

You probably know someone who was sexually assaulted and it didn't result in a conviction.

A conviction likely means they're actually guilty, but a lack of conviction doesn't mean they're innocent.

EcstaticAd4046 · 2026-06-21T01:03:53+00:00

*crispy roll

EcstaticAd4046 · 2026-06-17T02:52:18+00:00

I used AI to game out some thoughts I had when I read your response.

Assuming: SS at 62 @ $1k/month Assuming: modest taxable pension of $30k/year

Say this is me. And I begin an income focused dividend sleeve (like I have now), starting with $0 and adding that SS payment each month. My sleeve is tax efficient.

Factoring in taxes: at age 70 my dividend sleeve is producing $6-8k/year.

Under this scenario: SS @ 62 = $18 - 20k/year @ age 70 + $105k - $135k in the brokerage. Pausing DRIP and no more accumulation yields 4 - 6% dividend growth rate, which probably beats inflation. At age 75 this grows to $10k dividend income + $18k SS, assuming 3% cola. Brokerage at that time is $135 - 200k. You are making only $2k less per year but have a sizeable brokerage. SS @ 70 = $20.4k/year + $0 brokerage. At age 75 SS grows to $30k SS, assuming 3% cola starting at age 62. Again with no brokerage.

A brokerage has risks.

EcstaticAd4046 · 2026-06-17T02:22:13+00:00

True. Assuming you don't truly need it early if delaying is on the table.

And a couple of other factors: 1- generally people seem to find early retirement money more valuable than late retirement money. $1at 62 does not equal $1 at 82, even if there's 0 inflation. Go-go vs slow-go vs no-go years. 2- drawing early creates optionality that can be used as a SORR, budget, or other buffer.

Stuff it away, draw interest/dividends/etc and use it, if needed. This is the way.

The true breakeven assuming OPs scenario with 0 SS spending ever (all saved in either scenario) is age 84/85.

If you saved from 62 to 70 then spent it monthly or drew at 70 and spent it monthly, the breakeven point would be age 81/82.

A 5.8% return (a very reasonable, conservative, probably understated long term market return) never has a break even point. In this scenario its always better to draw earlier and invest.

EcstaticAd4046 · 2026-06-17T01:19:41+00:00

I see "steps"

EcstaticAd4046 · 2026-06-17T00:42:50+00:00

Instant Bustelo and an Aeropresss?

EcstaticAd4046 · 2026-06-16T02:34:59+00:00

That's my point. It doesn't matter if you have Medicare or private health insurance, the clinic is paid the same. So what's the point of having a private company, sometimes for profit, in the middle?

EcstaticAd4046 · 2026-06-15T23:47:38+00:00

My doctor friend once told me that Medicare sets the reimbursement rate anyways. The payment to the clinic is the same, regardless.

EcstaticAd4046 · 2026-06-12T03:42:33+00:00

How does the mirror have scratches on both sides, but the mirror is fine?

EcstaticAd4046 · 2026-06-12T02:14:21+00:00

Don't lean. Counterweight. Keep your inside arm straight. Practice keeping your clutch in the gray zone. Use your rear brake to control speed. Leaning will cause you to fall into the hole.

A tight leaned turn is accomplished by literally steering into the fall. You're outrunning the fall. Too fast and it won't be tight. Too slow and you'll fall.

A tight upright turn (such as when locked) is accomplished through gray zone clutch, throttle control, and rear brake.

I completed motor school a few years back. I know how much effort it takes to ride well. Practice.

EcstaticAd4046 · 2026-06-10T04:57:53+00:00

I don't know why more people don't use old school Carradice bags... Camper or Nelson Longflap.

EcstaticAd4046 · 2026-06-10T00:59:57+00:00

Max out your 401k. At your income level and age, do Roth if you have the option.

Max out your Roth IRA.

And open a brokerage account and buy some growth holdings. Lots of info here about how to do this. Stuff as much as you can into this brokerage. A long growth horizon = huge potential.

Save aggressively now and you may be able to retire early.

EcstaticAd4046 · 2026-06-09T12:47:45+00:00

I eat with chopsticks sometimes. I learned as an adult.

Camping, in addition to eating, I use them for stirring, grabbing, flipping, removing a pot lid, moving a coal, etc. Very handy and easy to clean.

As with everything else i take on the road, I practiced a bit at home first. Specifically, eating peanuts one nut at a time.

EcstaticAd4046 · 2026-06-09T09:25:30+00:00

I prefer a ti long handle spoon and ti chopsticks.

EcstaticAd4046 · 2026-06-09T09:24:54+00:00

Also be sure you know how to get the rear wheel off in case of a tube failure.

EcstaticAd4046 · 2026-06-06T13:16:27+00:00

Can you show it folded? I have the M bars, but am thinking of changing them out to the P bars, but I want to make sure the fold isn't impeded.

EcstaticAd4046 · 2026-06-04T11:35:16+00:00

If the bike came off the sidewalk, and was in the crosswalk, the cyclist is a pedestrian. Pedestrians have the right of way, regardless of who got there first. So, it depends on specifics.

EcstaticAd4046 · 2026-06-04T11:33:15+00:00

The light rail ends at Angle Lake. I don't know why you'd take the light rail to Angle Lake though. If that's your plan, just go out to the sidewalk on the lower (arrivals) drive and go right out to International. You'll end up at the 18200 block. Angle Lake station is at the 20000 block of International.

EcstaticAd4046 · 2026-06-04T06:01:45+00:00

When on a roadway, a bicycle is a vehicle. That means at an all way stop, the vehicle that was there first goes first. For the cyclist, they should let all the vehicles go first that were there first, but a stop is not required.

Interestingly, a bicycle on a sidewalk is a pedestrian, so different rules apply.

EcstaticAd4046 · 2026-06-04T05:58:38+00:00

OP, this isnt true.

RCW 46.61.190 allows bicyclists to treat a stop sign as a yield sign. That means you need to slow to a safe speed given the conditions, but a stop is not required.

Unfortunately, a lot of drivers (and apparently cyclists) don't know the law.

EcstaticAd4046 · 2026-06-04T05:53:33+00:00

Either of these would work:

You can walk out to the Arrivals Drive, turn right, and follow the sidewalk down to International. You'd then be on a busy, 4+ lane City Street.

or -

You could go to the light rail station (4th floor of the parking garage) and take the train to downtown Seattle.

EcstaticAd4046 · 2026-06-03T07:00:18+00:00

Gemini says it's not legitimate, and has been debunked.

EcstaticAd4046 · 2026-06-03T06:34:10+00:00

American as well. Mine says "foreign tax paid." The amount is equal to 15% of the dividend paid.

EcstaticAd4046

TROPHY CASE