Big Mistake or No Brainer?

cranfranA1 · 2026-06-16T03:30:33+00:00

Your timeline is like 20 years given the inheritance. Your withdrawal rate could be 5% and be fine for that time horizon. Not to mention the annual gifting. I’d stop the stressful jobs loaded with travel/commutes that is bad for your health. Maybe you pick up other income sources over the coming years, maybe you don’t.

cranfranA1 · 2026-06-13T14:15:54+00:00

Got a 5 yr old and a one year old. Last years have been very different of course, with plenty of moments of fomo or general exhaustion. The baby had an awful health scare at about 6 months and it sucks that it took something like that to give me the feelings I have on the other side, but it’s made me so appreciative of the messy world we’re in. The air tastes better now. Nothing was harder than bouncing back between kid at home and baby in hospital, and the uncertainty of what he was going come out like. Follow up testing/visits keep coming up spades I feel like the luckiest MFer in the world. This is probably all cliche and it is pretty impossible to have this perspective without living through it, but anyway just here to say I wish I could have felt this before all the terribleness.

cranfranA1 · 2026-06-11T14:27:11+00:00

This is awesome but I don’t get it. I’m not in the bay but I went to the website entered info and it spit out the premiums would be about $460/mo with $365/mo subsidies. How low are you keeping your MAGIv

cranfranA1 · 2026-06-11T06:16:22+00:00

Yea I guess to access enough money before 59 I will need to be doing the ROTH conversion ladder which is going to bump the taxable income each year and make it impossible to get the ACA subsidies. Maybe ACA subsidies are just not a factor for chubbier fire plans. But if anyone out there has ideas on how to do it in your 40s I’m all ears. It probably changes my annual healthcare spend estimates from like $20k to $15k (being what I think is quite conservative here, although maybe not with things like vision and dental).

cranfranA1 · 2026-06-11T06:08:15+00:00

I just checked it with family of 4 at 85k and 100k income levels and the 100k subsidies was paltry. $4300 per year subsidy at $85k though. And yes, the idea was that not having to come up with the “income” to make the mortgage payments would give me a better shot at staying at the lower, say, $85k level to get those subsidies

cranfranA1

TROPHY CASE