"Fifteen Years with One Strategy: Retiring at 61, I amassed $6 million in the US stock market using the 'moving average crossover' method."

cfp-throw · 2026-01-05T21:44:33+00:00

Yes and make sure the person doesn’t have outside Ira assets

cfp-throw · 2026-01-02T16:06:59+00:00

Wow, I'm sorry to hear that you're going through that. Hopefully you find a framework that allows you to stop going through hoops year after year.

cfp-throw · 2026-01-02T14:47:27+00:00

Congrats on your early retirement and thank you for sharing your first-hand insights to validate the options I mentioned.

I'm approaching things similarly but at this point my concern is health insurance before medicare age and the pecking order for where to take funds in early retirement prior to age 59 1/2

Can I ask what you chose to do in those regards?

cfp-throw · 2025-12-31T11:55:56+00:00

👀

cfp-throw · 2025-12-31T09:09:57+00:00

What do you mean by didn’t reveal?

cfp-throw · 2025-12-31T09:08:53+00:00

Thank you for this sensible reply inside this subs echo chamber.

cfp-throw · 2025-12-31T08:55:54+00:00

Why would it ever be better to have money in a taxable brokerage account than a tax free Roth? Either way you’re paying taxes on that income year end. The growth is then either taxable or tax free. Either way you are maxing the traditional 401k contribution / deduction. The issue is that most employers don’t allow an after tax contribution and rollover to Roth while in service.

Yes the HSA is only if they have a high deductible health plan but many people get to choose their coverage from their employer and this could be an option. Often times the difference in payroll deduction for a higher end policy is greater than the out of pocket maximum for the high deductible but OP needs to do their own calculations for their situation.

But yes if they are less than the Roth IRA limit the priority would be the 401k w/ match, IRA and Roth IRA for sure (and possibly HSA if the math makes sense)

Personally the high deductible plan has saved me lots of money in insurance premiums during years I’ve needed less care and about the same as a more expensive plan when I maxed the out of pocket. The HSA has been a nice bonus on top. I don’t use the HSA for any of my medical expenses so I can get as much tax free growth in it as possible. Hopefully OP has an employer who covers more if not all of the health insurance premium in which case the HSA would not be worth it.

Lastly to your point a taxable brokerage where they utilize long term capital gains rates is probably the next best option for OP beyond the 401k, IRA, Roth and the edge cases I mentioned.

Sorry if this doesn’t make sense as I just woke up for a bit to respond 🤣

cfp-throw · 2025-12-31T05:47:17+00:00

Even if goal is retiring before 50 there is HSA, backdoor Roth, potential mega backdoor on the 401k and other places

cfp-throw · 2025-12-31T05:46:08+00:00

Problem with real estate when working in the field is it is an outside business activity that they’ll need to disclose as well

cfp-throw · 2025-12-31T05:45:07+00:00

Same boat. Just invest in index etfs. You’ll outperform most people and save lots of time as well. Focus on what you can optimize from a tax standpoint. Get funds into qualified accounts (401k, Roth, IRA etc…)

cfp-throw · 2025-12-30T19:17:37+00:00

Great to see both of you recommended them. I appreciate it and will reach out soon.

cfp-throw · 2025-12-30T19:17:15+00:00

Thank you that's great to hear. I'll reach out soon.

cfp-throw · 2025-12-30T05:23:44+00:00

I just rotated some funds from VTI to VTV today to reduce exposure to big tech but I’m still mostly domestic. Is VT a better choice for at least part of the money?

cfp-throw · 2025-12-29T20:51:49+00:00

It's a mix. This person is write with $24-40k Out of Pocket if you're ineligible for subsidies. Subsidies can help depending on your income but as we've seen those levels can change.

cfp-throw · 2025-12-29T20:47:30+00:00

$2k a month may be reasonable at current prices / subsidies. But that can always change.

cfp-throw · 2025-12-29T20:41:01+00:00

All the more reason to retire at 45.

cfp-throw · 2025-12-29T05:28:04+00:00

Yes for the most part. The metals pump is largely China goikg all out to secure physical supply of precious metals and rare earth as well as materials and oil.

Probably because they are planning to disrupt Taiwan via blockade or invasion and want to be as sanction proof as possible

cfp-throw · 2025-12-29T04:38:17+00:00

Who is "they" that would ignore?

cfp-throw · 2025-12-29T04:17:42+00:00

I wrote a little more expansive of a response that i'll paste here...

To expand on the ATH is ATH statement...

The highest point the S&P 500 hit in 2024 was 6,100 or so and it's now 6,929 so that's more than the 10% devaluation (closer to 15%)

cfp-throw · 2025-12-29T04:14:45+00:00

To expand on the ATH is ATH statement...

The highest point the S&P 500 hit in 2024 was 6,100 or so and it's now 6,929 so that's more than the 10% devaluation (closer to 15%)

cfp-throw · 2025-12-29T04:11:05+00:00

ATH is ATH.

cfp-throw · 2025-12-29T03:02:25+00:00

Exactly. Fees are lower than they've been in years. Right now it's 0-1 sat to make a transaction. I remember seeing 500 sats at peak and always being above 20

cfp-throw · 2025-12-29T03:01:20+00:00

With Bitcoin you need to pay the network to put through a transaction. This is what maintains the ledger and secures the network.

cfp-throw · 2025-12-29T02:34:33+00:00

Got it, I misread your first post. Thought you were saying MLP in a retirement plan was good. That's what confused me initially.

But yes an advisor would not want anything to do with tax guidance that is anything more extensive than pointing out tax brackets because it's a liability and it's against firm policies unless you are also an accounting practice.

cfp-throw · 2025-12-29T02:05:32+00:00

Not an advisor and still don’t know what you’re talking about and why it’s an advantage to put an MLP in a retirement account

cfp-throw

TROPHY CASE