What I don't understand is your saying the goal is to maximize income when you need it most but then you started taking Soc Sec when you surely didn't need it.
This is an issue for an optimizer but not a satisficer. I'm more concerned with the total amount I convert each year than the timing. But I do have optimizer tendencies: I tend to leave maybe half or more of my Roth conversions for December so I can guess better and make my income near the top of the tax bracket and keep my capital gains in the 0% bracket.
Comments
How about a non-US index you'd have been more likely to invest in?
Post: For Richer, For Poorer: 37 Years of Compounding
Link to comment from April 28, 2026
Ah, that explains why some forum posts go under my radar until someone comments on them.
Post: Note to HD Writers and Contributors
Link to comment from April 28, 2026
I don't think so.
Post: The IRA Decision That Affects Your Kids
Link to comment from April 28, 2026
What I don't understand is your saying the goal is to maximize income when you need it most but then you started taking Soc Sec when you surely didn't need it.
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026
Yes, I've seen and heard too many speakerphone conversations and people who think it's ok to watch videos out loud in waiting rooms.
Post: Lonely Island (Correct Edit)
Link to comment from April 22, 2026
Can an heir disclaim part of an account?
Post: The IRA Decision That Affects Your Kids
Link to comment from April 21, 2026
So then the BDA is only useful if you're under 59.5?
Post: The IRA Decision That Affects Your Kids
Link to comment from April 21, 2026
I'll give Charles the benefit of the doubt and say he was only talking about the financial markets.
Post: Staying Rational
Link to comment from April 19, 2026
This is an issue for an optimizer but not a satisficer. I'm more concerned with the total amount I convert each year than the timing. But I do have optimizer tendencies: I tend to leave maybe half or more of my Roth conversions for December so I can guess better and make my income near the top of the tax bracket and keep my capital gains in the 0% bracket.
Post: Something to Think About
Link to comment from April 19, 2026
Mark, tap the bell icon next to the Post Comment button before hitting the button.
Post: Navigating a Turbulent Career
Link to comment from April 18, 2026