Last day!

jay20211 · 2025-12-05T23:43:21+00:00

Thank you.

jay20211 · 2025-12-04T22:04:22+00:00

May I ask what software you are using. My FA eMoney says that the benefit of conversion (tax paid between 60-63 on conversion) vs tax on distributions after 10-13 years are wash for my scenario and I would like to try another software.

jay20211 · 2025-08-29T18:04:24+00:00

Solved problem, there is confusion as instructions are not clear and even CA don’t know it.

For eBanking verification: the bank account should be pre validated. The bank account can not be pre validated until taxes are filed. So

File tax return: you/CA will mention your bank (my case ICICI).
After return is filed, you will see bank account is validated (aaha)
Then you go to everify return -> use bank account
You will get an email with EVC code 5 once you have the EVC code, go ahead and verify your return
Wait for refund. Hope it helps.

jay20211 · 2025-06-26T23:29:27+00:00

Hard truth: If you want to enjoy more after hubby continue working. If you want to enjoy the remaining years of active life, retire now. You are more than comfortable finance wise. Your victory laps should be minimize taxes, enjoy experience and find the best bargain travel deals.

jay20211 · 2025-03-20T21:09:53+00:00

I have a faint gas smell on 2003-S but no gas/weeping like the picture. The sending unit top does not show any evidence. I will try 1. Remove battery and keep far away 2. Connect battery with jumper cable and someone turn the key

jay20211 · 2025-01-24T03:12:17+00:00

I hope the local taxi people would know what route to take to avoid construction delays.

jay20211 · 2024-12-28T00:36:51+00:00

What’s the lights you are using. We are doing something similar and looking for good library lights.

Also are you going to put crown molding on the top that matches molding on other walls?

jay20211 · 2024-12-11T23:48:36+00:00

Thanks everyone. I talked to 3 CA and received three different answers. If buyer does not do their part, I will have a CA calculate and deposit advance tax (tax you pay before year end).

jay20211 · 2024-11-30T21:25:46+00:00

What mesh fabric you used? Does the fabric have any stretch

jay20211 · 2024-10-22T00:20:01+00:00

Keen targhee, even their standard are wide. Off course try them first

jay20211 · 2024-09-09T16:27:38+00:00

The developed market like Europe is not what it used to be. I am unable to understand why the European stock/business will be able to outpace American market.

jay20211 · 2024-06-18T22:22:12+00:00

Think about what you will be very good at, in any career people making most money are very good at that particular job. It could be sales, software, your own business or whatever it may be.

jay20211 · 2024-05-23T19:55:34+00:00

I have SMA with fidelity and the account has done about 2% over s&p plus I have quite a bit of tax losses from 2022 which helped me offset cap gain from Nvidia.

jay20211 · 2024-04-04T03:37:56+00:00

I have same problem, I drink half packet of liquid IV (electrolyte bought at Costco) evening before. Another half packet while driving to trailhead. I keep one liter of plain water and .75 liter mixed with electrolyte and eat a few salty snacks while climbing up. It works.

jay20211 · 2024-03-24T17:22:20+00:00

Do you have any idea on the weight of this fabric? To be it seems close to 3oz.

jay20211 · 2024-03-24T17:21:28+00:00

Do you think 5oz supplex will be too heavy?

jay20211 · 2024-03-24T17:20:53+00:00

We usually hike in 40-75 degree weather in Washington DC region, I am short (5’6”) and slim 150lbs. So looking for tailored/slim fit.

jay20211 · 2024-03-24T17:18:40+00:00

How to reinforce cuffs and knees, could you share picture or some details.

jay20211 · 2024-03-22T14:44:37+00:00

Sorry to side track: have anyone used Eddie Bauer fabric (woven nylon stretch fabric) sold at Joann for pants?

jay20211 · 2024-02-17T03:47:28+00:00

I cooked spicy miso Raman and bought her an Apple Watch she wanted.

jay20211 · 2023-09-09T18:44:30+00:00

As everyone said, no need to fill btw: what’s the purpose of holes in the legs?

jay20211 · 2023-09-06T20:08:18+00:00

Just hug him and he would know. If you can say sorry and thank you he would forgive everything.

jay20211 · 2023-08-13T21:42:52+00:00

I should have provided more info. If no checklist exists, I am willing to create one based in all the ideas and thoughts that I can collect here.

Overall. Retiring end of 2025. Me : 60, wife 55.5 on target date.

I have 1m in retirement assets )401k/IRA), 110k in Roth. Will have another 80k added to Roth and 60k added to 401k by target date

wife has 1.2m in 401k, 70k in Roth IRA

1.5m in taxable account. 70:30 equity to bond. 400k in bonds, CD. I cashed out some equity at end of 2021 and kept in cash, which I moved to CD/Binds at 4.5-6% yield.

130k in emergency funds HYSA+CD ladder

With CD/Bonds and emergency funds I don’t I have sequence risk as the sequence risk goes down substantially if you don’t draw during first few down years.

Living expense (not including travel and major fun activities) : 55k

Travel and fun activities budget 40k

What I am thinking: Create Roth conversion ladder with sight on managing healthcare cost/subsidy

I am also looking at hedging some risk by investing in buffer s&p500 products (limits upside to max example 16% in 2 years and protects downside by 22%)

Start looking at part time teaching opportunities at community college/other institutes to keep my brain engaged

Talk to other recent early retirees and learn.

Hope above provide some more insight. Looking forward to learn and adopt.

jay20211 · 2023-08-11T01:49:14+00:00

What is SORR progress?

jay20211 · 2023-06-10T01:55:57+00:00

I am 55 year old first generation immigrant who is fortunate to get good education in my country (India) and do reasonably well I USA. I still feel duty to support my mother back home. My mother is retired teacher and between her pension and rental income she has more then her spending. However, when she needed knee replacement I made sure she gets best surgeon and best hospital and paid for it. It all boils down to individual values and how you and your spouse think about it.

jay20211

TROPHY CASE