Quote Originally Posted by barneybeans: Quote Originally Posted by cdog8043: @waynaholic Retiring at age 59.5 lets you access your 401(k) and IRA without early withdrawal penalties, but collect For USA based folks, the trick is to retire in December of the year your turn 59.5 (or real early January, possibly february if you need to collect that last Jan/Feb bonus - or in my case to max out the following year HSA contribution) and then Convert to ROTH up to 100,800 (as of 2026, MFJ) your pre tax accounts (minus the bonus and salary/income up until the retirement date if you stretched it our to early Q1 of the following year, not including the HSA which is pre tax!). To live, hopefully you have cash or brokerage not having tons of long term capital gains (to keep your income low so you can convert to ROTH @ that 12% rate 60,61,62,63) Hold off for as long as you can on the collecting social Security, if you are downsizing your domicile do it before your 63rd year as to not get crushed with IRMAA surcharges showing a huge gain 2 years before turning 65. Don't forget to consider ACA subsidies to assist with going private for healthcare until Medicare kicks in @ 65 Of course you can move to another country where health care for older folks is only a few hundred USD a month and ACA subsidies don't matter for US based private health insurance because you're not getting a US based private health insurance if you live in Panama. Seriously, all you 30 year olds need to brush up on estate and tax planning. A bonus is to work from home from another country, earning USD/EUR, spending in pesos or whatever, where everything is cheap and sock away as much as you can. Cut 30% from your salary in order to get the full time work from home from a poor country. Not for everyone, I know Hey, why is Barb in rehab? Do we need to bust him out? I know a guy.... he is sending a note to covers, as one comment wasn't worse of being boxed
At least ceasefire is still on…
We should stop eating bananas.
Quote Originally Posted by p_66:
Quote Originally Posted by barneybeans: Quote Originally Posted by cdog8043: @waynaholic Retiring at age 59.5 lets you access your 401(k) and IRA without early withdrawal penalties, but collect For USA based folks, the trick is to retire in December of the year your turn 59.5 (or real early January, possibly february if you need to collect that last Jan/Feb bonus - or in my case to max out the following year HSA contribution) and then Convert to ROTH up to 100,800 (as of 2026, MFJ) your pre tax accounts (minus the bonus and salary/income up until the retirement date if you stretched it our to early Q1 of the following year, not including the HSA which is pre tax!). To live, hopefully you have cash or brokerage not having tons of long term capital gains (to keep your income low so you can convert to ROTH @ that 12% rate 60,61,62,63) Hold off for as long as you can on the collecting social Security, if you are downsizing your domicile do it before your 63rd year as to not get crushed with IRMAA surcharges showing a huge gain 2 years before turning 65. Don't forget to consider ACA subsidies to assist with going private for healthcare until Medicare kicks in @ 65 Of course you can move to another country where health care for older folks is only a few hundred USD a month and ACA subsidies don't matter for US based private health insurance because you're not getting a US based private health insurance if you live in Panama. Seriously, all you 30 year olds need to brush up on estate and tax planning. A bonus is to work from home from another country, earning USD/EUR, spending in pesos or whatever, where everything is cheap and sock away as much as you can. Cut 30% from your salary in order to get the full time work from home from a poor country. Not for everyone, I know Hey, why is Barb in rehab? Do we need to bust him out? I know a guy.... he is sending a note to covers, as one comment wasn't worse of being boxed
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
so many games like that today crazy
Quote Originally Posted by weeneypooh4444:
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
It be like that with the first European match of the season for these tinpot clubs in their Mickey Mouse Leagues
Quote Originally Posted by weeneypooh4444:
it seems like the home team tries to score and the away team parks the bus. They want it to be 0 to 0 going back home to play in the second leg. What a boring ass way to play
It be like that with the first European match of the season for these tinpot clubs in their Mickey Mouse Leagues
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