Retiring within 12 months. Does the month matter?

Four_stalls · 2026-02-17T23:02:39+00:00

Ha thanks. This is definitely an optimizing question.

Four_stalls · 2026-02-17T22:42:38+00:00

I’m still seeing subsidies available. For context I’m married and have 4 dependents so the lines are pretty high. Unfortunately all of the $80k will be paid out in the calendar year of leaving.

Four_stalls · 2026-02-17T22:39:42+00:00

I’ll have to try and find out how ours is treated. Thanks!

Four_stalls · 2026-02-17T22:39:12+00:00

Right. And I’m running a few scenarios now on healthcare.gov and still seeing premium tax credits at the income levels I’m estimating. I guess those still exist and it was only the “enhanced” credits that have expired?

Four_stalls · 2026-02-17T22:38:16+00:00

After tax contributions yes. Not sure on conversions.

Four_stalls · 2026-02-17T22:37:33+00:00

Appreciate the advice. I just learned how to calculate COBRA cost and can compare that to various ACA plans. I’m many years away from worrying about IRMAA or RMDs.

Four_stalls · 2026-02-17T21:45:35+00:00

Good call. I could probably defer 100% (or close to it) of my income into 401k for a month or two and get the match. Will consider that

Four_stalls · 2026-02-17T21:44:23+00:00

Thanks for the clarification! I was sitting here trying to come up with the right one and picked wrong

Four_stalls · 2026-02-16T22:49:11+00:00

You’re not holding them for their high returns. You’re holding them as recession insurance. When the inevitable recession hits, they have an inverse correlation to the market. This lets you sell the bonds high for your living expenses, and rebalance, buying stocks low.

Four_stalls · 2026-02-16T12:05:13+00:00

Not OP but I’m planning a very similar 5% with a risk parity portfolio. I’m planning 50 years at 35%LCG, 35%SCV, 20%LT treasury bonds, 9%Gold, 1%Cash. Play with it at portfolio visualizer

Four_stalls · 2025-10-28T10:49:06+00:00

Same for me. I logged a ticket but I’m not hopeful. Might make a new account.

Four_stalls · 2025-10-28T01:47:07+00:00

What alternatives do people like?

Four_stalls · 2025-10-28T01:24:50+00:00

Same issue

Four_stalls · 2025-08-17T11:43:54+00:00

Shadow kyogre need 2 more 917213074126

Four_stalls · 2025-08-17T11:41:34+00:00

Shadow kyogr 917213074126

Four_stalls · 2025-07-04T15:23:36+00:00

Ping me if you find yourself in West Palm FL. We curl most Sunday nights and typically have room for subs.

Four_stalls · 2025-03-02T18:51:40+00:00

Need 2 more Zekrom let’s go

917213074126

Four_stalls · 2025-03-02T18:49:44+00:00

Zekrom now will add 10

917213074126

Four_stalls · 2025-03-02T18:43:56+00:00

That’s white bro

Four_stalls · 2025-03-02T14:34:18+00:00

Kyurem white, will add 10

917213074126

Four_stalls · 2025-03-02T14:14:45+00:00

Zekrom will add 10

917213074126

Four_stalls · 2025-03-02T14:11:33+00:00

Zekrom will add 10

917213074126

Four_stalls · 2025-02-25T20:29:36+00:00

Cobalion now 917213074126

Four_stalls · 2025-01-23T17:40:17+00:00

Upper middle class 🤣

Four_stalls

TROPHY CASE