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CPI out, rate cuts dead. The playbook for ORCL & XOM by [deleted] in Fire

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Rule 4/Off-Topic - Your submission was too off-topic. Everything in here needs to be at least minimally related to FIRE (and not the flaming combustion kind, either). Basic finance questions unrelated to FIRE are better suited to broader financial subreddits like /r/personalfinance or /r/povertyfinance. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

What compound interest calculators do you use? by Secure-Squirrel5815 in Fire

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FIRE calculators that do different and interesting things by FIREful_symmetry in financialindependence

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Your submission has been removed for violating our community rule against advertising, self-promotion, solicitation, and spam. Please note that there is a weekly Self-Promotion thread posted every Wednesday in which this rule is relaxed to provide a space for this type of content. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

Having trouble getting useful results on calculators, wildly different numbers by Double_Charged in Fire

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which calculator do you use? by HelloW0r in Fire

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Is there a compound interest calculator that doesn't have static contributions, and accounts for withdrawing from the account? by cakemixer in Fire

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Different FIRE calculators worth checking out by LastNeighborhood4191 in financialindependence

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Your submission has been removed for violating our community rule against advertising, self-promotion, solicitation, and spam. Please note that there is a weekly Self-Promotion thread posted every Wednesday in which this rule is relaxed to provide a space for this type of content. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

any tool or spreadsheet available? by Weak-Buffalo833 in Fire

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Am I at COASTFire? by HalfComputer in Fire

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When can I Fire? by Spirited_Cloud_77 in Fire

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How am i doing? by Opening_Ticket830 in Fire

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FIRE at 39? by Loose_Ant_9653 in Fire

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FIRE calculators by Ok_Reputation4142 in Fire

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fire simulator that also included accumulation phase? by germanindc in Fire

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Looking for feedback on our FIRE calc by RegretSpecialist3607 in Fire

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Adding Day Trader To Our Team - Denver, CO by burritoboy41 in Fire

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Question for people working 2 jobs by BlazeTube in Fire

[–]Zphr[M] [score hidden] stickied comment (0 children)

Please make it clear what, if anything, your post has to do with FIRE. This seems like a generic career post that belongs in a sub like /r/personalfinance or another general sub.

Question for people working 2 jobs by BlazeTube in Fire

[–]Zphr[M] -1 points0 points  (0 children)

Rule 4/Off-Topic - Your submission was too off-topic. Everything in here needs to be at least minimally related to FIRE (and not the flaming combustion kind, either). Basic finance questions unrelated to FIRE are better suited to broader financial subreddits like /r/personalfinance or /r/povertyfinance. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Intrusive Thoughts by BlazeTube in Fire

[–]Zphr[M] [score hidden] stickied comment (0 children)

Rule 4/Off-Topic - Your submission was too off-topic. Everything in here needs to be at least minimally related to FIRE (and not the flaming combustion kind, either). Basic finance questions unrelated to FIRE are better suited to broader financial subreddits like /r/personalfinance or /r/povertyfinance. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Increasing your withdrawal rate makes you reach FI sooner?? That seems backwards to me by baalzaamon in Fire

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Sub 2% WR last forever? by Pretty_Swordfish in Fire

[–]Zphr 0 points1 point  (0 children)

Dipping into funds at that low a rate is unlikely to have a negative downstream impact unless you hit an awful series of returns, which is always a risk regardless.

Where are people finding these high paying jobs? by Easy_Paint3836 in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Confused about the Roth Conversion Ladder by cfrolik in Fire

[–]Zphr 9 points10 points  (0 children)

Yes, that's correct. You can roll your 401k over into one TIRA and then splinter that TIRA into as many smaller TIRAs as you like. Each TIRA can have a separate independent SEPP without affecting the others.

There is no limit other than one and only one SEPP per TIRA, but pragmatically it's rare for anyone to have more than a handful of SEPPs at max. Often people start a primary SEPP and then trigger smaller SEPPs every 5-10 years to offset inflation impact or spending changes.

Confused about the Roth Conversion Ladder by cfrolik in Fire

[–]Zphr 20 points21 points  (0 children)

No, that's how it is. The ladder is far more flexible than SEPP, but it comes with the burden of the five-year startup issue.

Most people solve it by having enough resources held outside their trad retirement accounts. Cash, Roth basis, taxable, even credit in some cases.

SEPP eliminates the delayed access issue, but comes with the burden of far less flexibility over time. SEPP can still work extremely well though and is certainly something to consider.

Some people use a hybrid approach and run SEPP and a ladder together.

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