It does make sense to feel good about a nice big check that you put off, kind of a like the psychological benefits from delayed gratification. From a math perspective, though, we run the comparisons for IRR and it feels like it comes out to around 6% IRR assuming no future law changes. Again, assuming the difference would have been invested for apples to apples comparison, the last 8 years would have crushed the ~6% IRR breakeven in most portfolios. I do like the Roth conversion point.
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It does make sense to feel good about a nice big check that you put off, kind of a like the psychological benefits from delayed gratification. From a math perspective, though, we run the comparisons for IRR and it feels like it comes out to around 6% IRR assuming no future law changes. Again, assuming the difference would have been invested for apples to apples comparison, the last 8 years would have crushed the ~6% IRR breakeven in most portfolios. I do like the Roth conversion point.
Post: Worth the Wait
Link to comment from September 7, 2021