Agree! When it comes to Roth conversions, tax arbitrage is usually the focus of discussion, but “portfolio return“ arbitrage (if that’s a proper term?) is usually less mentioned.
Jeff, That is an incredible article. One of if not the best HD articles I’ve ever read.That moved me. As I was reading I was thinking to mention a couple of the most inspiring takeaways you included but there were so many. Thank you so much for taking the time to write and share this piece with the HD community. Ideally, I hope this reaches way beyond HD. Well done on your life’s journey and well done capturing it here!
Dan, Great life story! Very inspiring to readers trying to climb over hurdles or see through challenging times. Your positive attitude, humility and gratitude shines through in your (excellent) writing - it’s so genuine. You’re lucky to have found Chris, but it’s also true she’s lucky to have found you. Cheers to you two 🍻
Mark, Getting rate movement right twice was certainly impressive. I’m curious if you know or care to share, when did the move to ultra-short occur and how did the advisor determine it was time; (e.g., I know you’re UK right, but for USA timing I would guess @Nov2021 when FOMC signaled rate hikes might be coming and then started hiking Mar2022)
And then how did they determine when to shift short/intermediate?
Comments
Did you say, “BUDGET” 🤯 I couldn’t resist…🤣
Post: Is saving really that hard? Nope, not for the great majority of Americans.
Link to comment from May 4, 2026
…and great market returns over those 8 years helps :). Curious if you evaluate “portfolio value barely changing” in nominal or real terms?
Post: Is saving really that hard? Nope, not for the great majority of Americans.
Link to comment from May 4, 2026
Agree! When it comes to Roth conversions, tax arbitrage is usually the focus of discussion, but “portfolio return“ arbitrage (if that’s a proper term?) is usually less mentioned.
Post: Tax Free Income Trap, Dealing With MAGI
Link to comment from May 4, 2026
”If things turn south” it will be another opportunity (decision 🤔) to do more Roth conversions, right ;)?
Post: Tax Free Income Trap, Dealing With MAGI
Link to comment from May 4, 2026
Jeff, That is an incredible article. One of if not the best HD articles I’ve ever read.That moved me. As I was reading I was thinking to mention a couple of the most inspiring takeaways you included but there were so many. Thank you so much for taking the time to write and share this piece with the HD community. Ideally, I hope this reaches way beyond HD. Well done on your life’s journey and well done capturing it here!
Post: A Life You Build
Link to comment from May 4, 2026
Even with decades of consistent saving and careful planning, the transition from saver to spender is such a psychological challenge when we retire. 🤞🏻
Post: How it all pencils out–or at least, we hope so! (Our Big “Little” Move, Part 3)
Link to comment from May 3, 2026
Dan, Great life story! Very inspiring to readers trying to climb over hurdles or see through challenging times. Your positive attitude, humility and gratitude shines through in your (excellent) writing - it’s so genuine. You’re lucky to have found Chris, but it’s also true she’s lucky to have found you. Cheers to you two 🍻
Post: Around the Obstacles
Link to comment from April 25, 2026
Wow, great example that the U.S. tax code is exhausting!
Post: The IRA Decision That Affects Your Kids
Link to comment from April 24, 2026
Great questions!
Post: One Good Call?
Link to comment from April 24, 2026
Mark, Getting rate movement right twice was certainly impressive. I’m curious if you know or care to share, when did the move to ultra-short occur and how did the advisor determine it was time; (e.g., I know you’re UK right, but for USA timing I would guess @Nov2021 when FOMC signaled rate hikes might be coming and then started hiking Mar2022) And then how did they determine when to shift short/intermediate?
Post: One Good Call?
Link to comment from April 24, 2026