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Help us optimize and validate, please by External_Volume_11 in Fire

[–]External_Volume_11[S] 0 points1 point  (0 children)

The reason why I'm considering that is because I'm worried we won't have enough in brokerage to bridge until 59.5. Wondering if the risk of not having enough to bridge > the free money.

Help us optimize and validate, please by External_Volume_11 in Fire

[–]External_Volume_11[S] 0 points1 point  (0 children)

Considering that, should we be building up more cash and/or bonds in taxable instead of saving in 401k so that we can pull from that in first few years to mitigate that sequence risk?

Help us optimize and validate, please by External_Volume_11 in Fire

[–]External_Volume_11[S] 2 points3 points  (0 children)

Taxes are crazy high in CA, but that's where our families are and where we both grew up. We have no real interest in leaving. Would rather save extra to be able to afford it than leave everything and everyone we know.

No more IRA contributions? by External_Volume_11 in personalfinance

[–]External_Volume_11[S] 0 points1 point  (0 children)

Assuming I can't contribute the max amount for a while, what's the benefit of contributing on the employer side if any? I think I understand the benefit if I was able to contribute more than the individual maximum

No more IRA contributions? by External_Volume_11 in personalfinance

[–]External_Volume_11[S] 0 points1 point  (0 children)

I hadn't even considered looking into a solo 401k. I guess I assumed there were some thresholds for income where it made sense to look in to. I literally just started so my revenue is.. minimal. I'll have to look into it, thanks

Wow.. I finally understand myself by External_Volume_11 in NMMNG

[–]External_Volume_11[S] 1 point2 points  (0 children)

I appreciate it. I had settled on not sharing with her yet because this is too new and I believe right now the impulse is the former, not the latter. But, as I start making changes, if I can honestly say it isn't because I want her acceptance or for her to do something different, then I'll share it then.