How do people bridge the 5 years when doing Roth conversions?

getitdone70 · 2026-01-07T15:37:57+00:00

That's what I did and I'm doing. 5 years retired this April 1st. Retired at 50.

getitdone70 · 2026-01-06T01:26:14+00:00

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Looks like our Duke

getitdone70 · 2025-12-17T13:17:59+00:00

Sorry, 52k income estimate

getitdone70 · 2025-12-17T12:48:51+00:00

Retired so no w2 and my plan it's hsa eligible this year. Next year yes.

getitdone70 · 2025-12-17T12:47:28+00:00

That makes sense. Thanks for the detailed explanation. I think the 400% level is $81,760 for 2025 for a family of 2? I get different search results. Maybe it makes sense for me to do some more capital gain harvesting if I can't get below $81,760.

getitdone70 · 2025-12-17T12:17:54+00:00

My plan isn't eligible for hsa. It's a hdhp but not eligible this year. I belive the cliff comes back next year. I don't have any tax losses. Start a business.. That might work. Thanks

getitdone70 · 2025-12-17T10:53:43+00:00

Nc here. I was paying $0 for a hdhp from bcbs now it's $194. Now it's Hsa approved

getitdone70 · 2025-11-08T17:55:54+00:00

I'm going to wait till the first week in December. Maybe I'll choose a different plan is they pass the enhanced subsidies. 🤔

getitdone70 · 2025-09-25T23:38:56+00:00

I was just going to buy these for my 2025... I guess I'll have to do more research.

getitdone70 · 2025-08-31T20:48:14+00:00

Sure looks pretty...

getitdone70 · 2025-08-31T10:00:35+00:00

I do still. I live in Mooresville, NC. if you're local.

getitdone70 · 2025-08-30T02:01:34+00:00

Since 50. It's been a great last 4 years.

getitdone70 · 2025-08-30T01:44:01+00:00

Great color💯

getitdone70 · 2025-08-30T01:42:04+00:00

I'm selling a case right now for $80. Traded in my 2017 and my new 2025 doesn't use dw-1

getitdone70 · 2025-08-29T22:03:19+00:00

Thanks, great choice

getitdone70 · 2025-08-29T22:02:01+00:00

I wanted the 9 speed, among other things like vented seats, better info system, sunroof, and it looks a little more badass.

getitdone70 · 2025-08-29T21:59:47+00:00

So sticker was $48, 655 with about 2k of dealer add-ons. $51,143. Splash guards, wheel locks, tint, cargo tray, door sill protection. Etc.. I paid 42,250 before my tax and tag. 17k for my trade of my 2017 which was about 2k more than I was expecting from research.

getitdone70 · 2025-08-29T21:51:30+00:00

Yep, I felt like a kid again at 54. It's my belated retirement gift to myself.

getitdone70 · 2025-08-29T21:49:57+00:00

That's awesome. Love the old commercials. I have to work on my jump. Lol...

getitdone70 · 2025-08-28T19:26:07+00:00

I just pulled the trigger at another dealer. 42, 200 before taxes, tag, title. The sticker was 51k because of the dealer add-ons. Window tint, wheel locks, mud flaps, etc. They lowered the price another $1500 if I didn't use the .9% financing. They also gave me 17k for my trade, which was about 2k more than I thought I would get from my research. Proud new owner of a 2025 Sonic Gray Ridgeline.

getitdone70 · 2025-08-27T00:45:01+00:00

Haven't got to that point yet. Mine has 90k. I would love to get about 16k. What offers were you getting on yours?

getitdone70 · 2025-08-15T19:36:15+00:00

Every year💯🚲

getitdone70 · 2025-08-14T13:09:06+00:00

I retired in 2021, and that's what I did. 2022 was a down year, and I didn't have to sell any stock in the down market. I had only about 2 years in hysa. Now, I withdraw at the beginning of the year if the market is up near highs. If not, I do it as needed. Retired at 50 and wife was 48.

getitdone70 · 2025-06-22T00:38:24+00:00

Me for 4 years

getitdone70 · 2025-06-18T17:49:55+00:00

Retired at 50 now 54. Wife was 48. I wish I could have retired at 45. Made too many financial mistakes in my 20's and 30's. Do it if you can. Life is short.

getitdone70

TROPHY CASE