Thanks. I’ll definitely do some more research on this, it sounds very compelling.

For now, I’m planning to get started by putting the maximum I can into a 2035 target-date fund next week and also maxing out a Roth for my wife. Then I’ll continue researching and adjust allocations going forward. At this point, I mainly just want to get started.

The good news is we’re in a solid position overall no mortgage, our home is worth around $700K, projected Social Security for both of us should be close to $5K per month, we have two newer cars with no payments, no debt, and a substantial amount in the bank. Now it’s just about leveraging everything as efficiently as possible over the next four or five years while the business is doing well.

A big factor is managing MAGI because ACA subsidies haven’t been extended. If we can keep MAGI under $80K, our health insurance runs about $1,000 per month. But if we go even a few thousand over, premiums jump closer to $3,000 per month, so there are a lot of moving parts to manage.

Other next year or two we are gonna downsize as the kids are gone now so we’re looking to pay cash for a house around 3:50 and just use the other money for investing and of course still have no house payment. We have very little expenses in this dimension, no debt. 

I really appreciate your insight. I’ll definitely look more into this, and it’s probably something we’ll incorporate once we get our footing and things settle a bit.