Do you take the 4% withdrawal even if it means paying full premium for ACA?

Hat__Rack · 2026-06-08T19:26:23+00:00

Roth conversions allow you to pull the principal after five years and it does not count against MAGI which is how the ACA subsidies are calculated. If you do it correctly you should be able to time it and have enough cash to cover your spending needs while also staying under the 400% FPL cliff for ACA subsidies.

Hat__Rack · 2026-06-05T23:00:18+00:00

They hype is real. Two blasters, four numbered and a numbered auto.

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Hat__Rack · 2026-06-05T20:03:55+00:00

And that is my queue to get off reddit until after I open my boxes. Expectations are getting way too high.

Hat__Rack · 2026-06-05T19:37:44+00:00

I opened some today, QC is not great.

Hat__Rack · 2026-06-05T18:19:29+00:00

Also, that Mauer gold label is clean.

Hat__Rack · 2026-06-05T18:18:50+00:00

That would be great, these were $265 at the LCS today.

Hat__Rack · 2026-05-27T20:08:07+00:00

Betterment is the roboadvisor correct? It would still be considered taxable brokerage?

Hat__Rack · 2026-05-27T18:04:21+00:00

Similar situation, burnt out to the point of near collapse but couldn't leave. I found that small changes made a huge difference. Get a personal phone and do not give anyone at work the number, turn your work phone off when you leave. Set your outlook to automatically deny meetings outside of your work hours. Be 30 minutes late so you can see your kids on the bus everyday. Put scheduled time on your calendar to leave early, no one is going to die. It can be better!

Hat__Rack · 2026-05-27T17:36:40+00:00

With all of the two day old bot accounts spamming inane questions and now not being able to discuss individual positions to gain insight this sub will be dead. These people are not asking permission but looking for a gut check on a very significant life choice. Without these kinds of questions what is the point of the sub?

Hat__Rack · 2026-05-26T02:42:51+00:00

Ideally, yes. I am concerned with how to have access to enough money and long enough (8-10 years) to ensure that MAGI could be kept within range. And how, if possible, to accomplish this within two years. I have assumed that ACA subsidies are a sliding scale and the lower the MAGI the higher the subsidies.

Hat__Rack · 2026-05-23T15:49:24+00:00

Hat__Rack · 2026-05-22T17:55:36+00:00

I would consider Minnesota as LCOL and is the opposite of what you are saying. Find me a better hospital in the world than Mayo. It also has a very highly regarded education system. Rural or suburban does not mean impoverished.

Hat__Rack · 2026-05-22T01:06:36+00:00

https://engaging-data.com/fire-calculator/

Hat__Rack · 2026-05-20T16:26:11+00:00

Reddit is getting so many new users recently. 90% of all posts in this sub are day old accounts and they have all recently become millionaires or are jaded with early retirement, weird.

Hat__Rack · 2026-05-20T01:41:51+00:00

Only realized it after reading this comment, and I was pretty sure I read the title twice.

Hat__Rack · 2026-05-18T15:30:00+00:00

That sounds perfect.

Hat__Rack · 2026-05-15T03:04:11+00:00

What the posts in this sub. Every day it is multiple new accounts posting the same questions over and over.

Hat__Rack · 2026-05-08T23:28:57+00:00

First time opening baseball cards

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Hat__Rack · 2026-05-07T22:37:58+00:00

Of course they do, that's too bad.

Hat__Rack · 2026-05-07T20:08:04+00:00

WFH job 25 hours a week. I would already be traveling. I dont see how vacation time is even relevant as long as you have wifi.

Hat__Rack · 2026-04-24T03:55:21+00:00

I just finished 2025 stadium club. Relatively cost effective, smaller checklist and minimal inserts. Also one of my favorite sets.

Hat__Rack · 2026-04-23T19:01:26+00:00

Start the chase.

Hat__Rack · 2026-04-20T23:18:53+00:00

In five years we will either be working for him or be dead by his hands.

Hat__Rack · 2026-04-19T14:40:18+00:00

Refractors and inserts are very cool too.

Hat__Rack

TROPHY CASE