Financial Independence Daily FI discussion thread - January 29, 2020 |
- Daily FI discussion thread - January 29, 2020
- Weekly Self-Promotion Thread - January 29, 2020
- Drawdown plan in retirement
| Daily FI discussion thread - January 29, 2020 Posted: 29 Jan 2020 12:08 AM PST Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Weekly Self-Promotion Thread - January 29, 2020 Posted: 29 Jan 2020 12:08 AM PST Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. [link] [comments]  |
| Posted: 29 Jan 2020 04:38 PM PST I'm curious about your drawdown plans in retirement. A lot of discussions have been made on saving & investing but not a lot about decumulation or withdrawal strategies. A big thing to also consider is healthcare especially at early retirement which is still quite a challenge to me. Here's ours currently: Drawdown Plan Start safe withdrawal rate at 2.5-3% Real estate syndication income Taxable account dividends to checking account 457b (~$5K/mo & deplete in 5 yrs) Sell taxable assets w/ high basis Sell taxable assets w/ low basis Leftover Rollover IRA (if money needed after age 59.5) Social Security at age 70 Required minimum distributions at age 70.5 Roth from backdoor Roth contributions & conversion ladders HSA: cash out sum of collected receipts & the rest pay for healthcare cost except insurance premiums (not a qualified medical expense) [link] [comments]  |
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