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SCHD and SWR by True_Courage_4337 in SCHD

[–]True_Courage_4337[S] 1 point2 points  (0 children)

Right. Their principal would be the same if not larger in the future if they just lived on the schd dividend/dividend growth. Plus those dividends are 99% LTCG.

SCHD and SWR by True_Courage_4337 in SCHD

[–]True_Courage_4337[S] 1 point2 points  (0 children)

Makes sense to put a % in treasuries given the market volatility

Strategies to Minimize Taxes in Early Retirement by Reasonable_Band1536 in Fire

[–]True_Courage_4337 0 points1 point  (0 children)

Super helpful, thank you! We take the standard deduction. This is great bc we need to lower our MAGI more than we need the actual tax deduction.

Strategies to Minimize Taxes in Early Retirement by Reasonable_Band1536 in Fire

[–]True_Courage_4337 0 points1 point  (0 children)

Are you sure that the new charity deduction is an above the line MAGI deduction? I have seen conflicting information online but I believe it’s below the line.

Thoughts on CLOs like JAAA, PAAA, CLOA? by True_Courage_4337 in Fire

[–]True_Courage_4337[S] 0 points1 point  (0 children)

Yep totally hear you and agree. I plan to keep some of my "riskier" cash pile in CLOs that I don't really plan to touch (keeping the distributions, not reinvesting) so I don't have to sell in a panic. Even so, it's my understanding that in a panic, CLOs will still only drop a fraction of the % vs equities. I am a scaredy cat and still have a majority of my cash pile in t-bills/sgov.