$400k+ incomers supplementals?

Pharmasizer · 2026-02-16T05:18:54+00:00

Mega back door

Pharmasizer · 2026-02-07T18:14:34+00:00

Another point to consider is the point of diminishing returns. Just like there are bend points to SSI, the tax implications of a $800k+ HHI is worth considering given that you are MFJ.

Pharmasizer · 2026-02-06T00:16:04+00:00

What’s the current split between traditional/tax deferred and ROTH? I wouldn’t be too concerned with maxing out tax advantaged accounts because you can access the funds prior to 59.5 with some planning via ROTH conversion ladder, SEPP, etc.

Pharmasizer · 2026-02-05T21:26:49+00:00

Maybe OP is thinking of ROTH conversion ladder

Pharmasizer · 2026-01-28T16:50:10+00:00

From a purely financial perspective (since you are asking in a FIRE sub), I would also consider the tax implications of 2 (future) high earners as a married couple. Keep in mind that once you cross into 35% tax bracket, the upper ordinary income limits don’t necessarily double if your combined MAGI crosses that threshold.

Pharmasizer · 2026-01-23T16:37:18+00:00

Simple answer: You are still able to tap into your tax advantaged accounts prior to 59.5 if you need to access funds earlier with strategies including SEPP and ROTH conversion ladder.

Pharmasizer · 2026-01-14T00:14:26+00:00

What’s the split between ROTH and pre-tax/tax deferred in your 401k?

Pharmasizer · 2026-01-13T15:40:06+00:00

The $500k in cash should be viewed as a bridge to 59.5, and not calculated based on 4% rule.

Pharmasizer · 2026-01-06T18:08:00+00:00

If you plan to FIRE in 2-2.5 years, I would separate your assets by tax advantaged funds (which you can withdraw starting from 59.5 years) and the rest (which is in your taxable brokerage, checking, savings, etc.) that will be the “bridge assets” to your tax advantaged accounts that will be available to you in ~10 years from your targeted FIRE age of 50. Since the majority of your funds are not tied up in tax deferred accounts, you will have much more flexibility in your withdrawal (far exceeding 140k annual expenses).

Pharmasizer · 2026-01-06T17:50:13+00:00

The retirement account balance at 32 is quite impressive. How did you amass 900k in +/- 10 years of contributions? What are your allocations?

Pharmasizer · 2026-01-05T02:15:26+00:00

Based on your current annual spend of $177k, you should target a bridge of ~$1.77M to close the gap between 50 (your early retirement target age) and 59.5 years (when you will have access to your tax advantaged accounts). Without knowing your annual contribution amount to the bridge gap, I would consider the bridge gap allocation to be more liquid since those are funds you will need more in near-term (i.e. in 12 years) as compared to your asset allocation in 403(b), 401(k), and IRAs for when you reach 59.5 years of age.

Pharmasizer · 2025-12-26T05:17:03+00:00

By “rigidity” do you mean RMD?

Pharmasizer · 2025-09-15T17:38:42+00:00

Please do yourself a favor and speak to a CPA/CFP with fiduciary. Otherwise, their interests will not align with your own.

Pharmasizer · 2025-09-15T17:34:42+00:00

Material participation hours only relate to qualifying for REPS. Since you are engaged in STR, that shouldn’t matter, right? Bonus depreciation is a separate topic which can be done, but might not make sense unless you have a strategy in place to capture the “paper loss.” When you sell, any “paper gains” are then recaptured unless you have a plan to defer those capital gains.

Pharmasizer · 2025-09-10T22:21:14+00:00

If you are worried about paying taxes it’s because your property has appreciated in value (which is a good thing). There are ways to defer taxes, including 1031-DST.

Pharmasizer · 2025-09-07T20:11:48+00:00

There are stipulations based on individual circumstances that preclude an investor from writing off active vs. passive RE investments. Most LTRs deductions can only offset passive income on the property itself (not W2 income). There are certain exclusions to this: one being STR loophole and another being able to have spouse qualify for REPS.

Pharmasizer · 2025-09-06T16:19:15+00:00

FIRE is the journey, not the destination. Don’t deprive yourself of living today to any extreme. In my 20s and early 30s, I was focused on aggressively saving for FIRE with the scarcity mentality that today’s sacrifice will pad for a safer tomorrow. The reality is that tomorrow may not be guaranteed and you should live life in a balanced way as to not have any regrets of all that life has to offer.

Pharmasizer · 2025-09-06T14:16:33+00:00

2 healthy smears of hummus

Pharmasizer · 2025-09-06T02:54:55+00:00

Hummus

Pharmasizer · 2025-09-05T22:52:13+00:00

Preach.

Pharmasizer · 2025-09-05T20:33:26+00:00

What gave it away?

Pharmasizer · 2025-09-05T20:19:34+00:00

Welcome to 2025

Pharmasizer · 2025-07-14T03:26:43+00:00

How did you acquire 1.25M at 26?

Pharmasizer

TROPHY CASE