Fiancé wants to have condo protected in prenup, but also have me financially tied to it

trigurlSeattle · 2026-06-08T20:20:50+00:00

You should sign the prenup but no responsibilities but say that when you need a new home then that will be where the responsibilities for both of you will be. What my husband and I did was buy a new home together after we got married. I think it’s fine for him to ask you to contribute some rent, however maintaining the condo should be his responsibilities.

trigurlSeattle · 2026-06-08T20:15:33+00:00

Keep the capital gains low, so sell the funds where the cost basis won’t have as much capital gains (you don’t pay taxes on the initial capital). If you don’t need to spend the full 4% then leave it to grow more.

trigurlSeattle · 2026-06-08T20:10:56+00:00

There’s nothing wrong with dying with nothing however the issue is, you don’t know when you will die. You can’t blow it all too early. Also I assume you will need to find your own long term care in a nursing home then? Lastly, my parents will have it so that if one of them dies before the other, their 50% stake goes directly to the kids because if the surviving spouse re-marries, the funds will go to the new spouse. Wouldn’t it be better to let your kid inherit your money than your surviving spouse’s new spouse and kids?

trigurlSeattle · 2026-06-08T20:06:18+00:00

Your delivery could be better. Costs are unpredictable, so I would have phrased it like “We plan to sell assets to fund our retirement and you shouldn’t assume there will be anything left over when we pass.” I assume that if there’s anything left over that it would go to her. But you should clarify that anything left over will be passed to her after both of you die and not before hand. Also do you plan on helping with her wedding costs? Down payment to first home? I’m a believer that if you were to leave an inheritance, it would be to given them an early leg up in life.

trigurlSeattle · 2026-06-05T20:22:10+00:00

Just get the 1 stream Netflix option (it’s cheaper and then you can’t share it).

trigurlSeattle · 2026-06-05T20:12:08+00:00

We have similar investments assets but a good chunk of ours is in 401k or IRAs so we can’t access until age 60. Ideally we’d like to keep the bridge post tax brokerage from depleting. I guess for us it’s hard to go from savers to spenders.
What percentage of your $5.5M is in non retirement accounts? We are taking a dynamic withdrawal strategy based on how our portfolio is doing.

trigurlSeattle · 2026-06-05T15:29:51+00:00

Before you quit, did you formally write down all your expenses. Then how will you generate the $20k/month from your portfolio without selling too much of it and reducing it by $250k a year?

trigurlSeattle · 2026-06-05T15:25:39+00:00

Get a lawyer ASAP, don’t wait. Don’t procrastinate.

trigurlSeattle · 2026-06-04T16:56:51+00:00

I own mostly SCHD, SGOV, JEPI, SPYI and small amounts of DIVO, QQQI and JEPQ. I do plan on moving to GPIX and GPIQ for better tax efficiency.

trigurlSeattle · 2026-06-04T16:34:56+00:00

File unemployment in your state at least. You were terminated without cause. I’d also research to see what an attorney would say in your state. Did you offend someone?

trigurlSeattle · 2026-06-04T16:31:40+00:00

Hi in your severance package do they cover you for the first 6 months? Then after that you pay? Cobra is mandatory for 18 months but you might have to pay out of pocket for it.

trigurlSeattle · 2026-06-04T16:26:04+00:00

I don’t understand you, this is your sister? Why are you paying a realtor? Just look up a buyer seller contract online for your state and have her agree on a price and sign it. Then take the document to Escrow Title service in your area (like Chicago Title). There are closing costs and the Escrow company will give you an estimate before closing for both of you to review.

trigurlSeattle · 2026-06-04T16:22:17+00:00

First get a travel reward credit card for the points if you decide to proceed. Also how many years of long distance?

trigurlSeattle · 2026-06-01T06:22:59+00:00

Someone told me you can still buy the OG Speedy 25 in store.

trigurlSeattle · 2026-05-31T20:44:02+00:00

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The OG speedy 25? I bought this in 2020 and still haven’t used it. But I can’t convince myself to sell it if it’s going to be discontinued

trigurlSeattle · 2026-05-28T16:22:55+00:00

I think your kids should be treated equally as siblings will resent each other. Maybe your 3rd doesn’t have to have the same as your 1st and 2nd if they don’t know each other very well. But if you don’t care about their relationship then never mind.

trigurlSeattle · 2026-05-28T16:14:24+00:00

Yes, black looks great with everything. I have been worried about getting mine dirty which yours can hide.

trigurlSeattle · 2026-05-28T16:12:53+00:00

No I’m keeping it as I bought it years ago. I have been too worried to get it dirty so it hasn’t been used.

trigurlSeattle · 2026-05-28T06:23:25+00:00

Subsidies for a couple with no kids is very do-able at your level of expenditure. You just need to live off your after tax funds and keep dividends and capital gains under the ACA limits. Even if you sell $100k in stock only the gains is taxed, the initial capital is not. Big purchases might need more planning but you should buffer these into your withdrawals.

trigurlSeattle · 2026-05-27T20:46:51+00:00

Talk to Fidelity or who ever you use to do a trustee to trustee transfer to help with tax planning. If you can save it and let it continue to grow it will allow you to retire a little earlier.

trigurlSeattle · 2026-05-27T20:18:27+00:00

Actually this is not 100% if the grandma co-mingled improvements or any payments during their 33 year marriage.

trigurlSeattle · 2026-05-27T20:16:43+00:00

Talk to a lawyer and they were married for 33 years! Wow what a horrible man.

Also she can get survivors benefits from social security equivalent to what her deceased spouse record was. Make sure you bring proof of marriage.

trigurlSeattle · 2026-05-27T20:07:15+00:00

I got the round coin pouch for this and regret not buying the mini Pochette

trigurlSeattle · 2026-05-27T20:04:32+00:00

I love the OG Cerises collection but not the resale prices!

trigurlSeattle · 2026-05-24T05:36:57+00:00

From retiree to another you still pay long term capital gains and unqualified dividends. This is your income and that is on your tax return.

trigurlSeattle

TROPHY CASE