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Retired computer engineer from South Florida, tax & spreadsheet buff
Health Savings Accounts and When to Withdraw
9 replies
AUTHOR: Randy Dobkin on 7/18/2024FIRST: baldscreen on 7/18/2024 | RECENT: Mark Eckman on 7/20/2024
I don't see the difference here, Dick. Divide the total spendable dollars by months left to live to get monthly income; they go up or down together.
Post: Open Social Security – interesting finding on optimization and mortality tables
Link to comment from January 17, 2025
I'm in the last batch!
Post: The Burgeoning Boomers, by Marjorie Kondrack.
Link to comment from January 15, 2025
Yes, but there would need to be enough income to subtract the deductions from.
Post: Retirement Realignment by Ken Cutler
Full retirement age is perhaps the worst time to start collecting, just when the advantage for waiting kicks up to 8% per year.
Link to comment from January 14, 2025
Charles may be talking about itemizing deductions to offset the income from traditional retirement account distributions.
I don't think it makes much difference whether you transfer in kind or sell and repurchase. Maybe just transaction costs.
Post: An Inherited Roth IRA… Now What?
Link to comment from January 13, 2025
Perhaps AI will help international stocks more than US stocks due to the shorter human workweek internationally.
Post: Look Both Ways
Link to comment from January 12, 2025
B and C provide income, but I would use bonds instead as they're not as highly correlated with A. For Roth conversions I would target an income, capital gain, or IRMAA bracket and convert up to the top.
Post: A barbell strategy for stocks
Link to comment from January 10, 2025
Because my home gets hotter and "freer" every year?
Post: No “Go-Go” by Kristine Hayes Nibler
Link to comment from January 6, 2025
Many financial companies allow you to link your assets from outside to calculate net worth. Though I use Quicken for this.
Post: First year of retirement by Chris
Link to comment from January 5, 2025
Comments:
I don't see the difference here, Dick. Divide the total spendable dollars by months left to live to get monthly income; they go up or down together.
Post: Open Social Security – interesting finding on optimization and mortality tables
Link to comment from January 17, 2025
I'm in the last batch!
Post: The Burgeoning Boomers, by Marjorie Kondrack.
Link to comment from January 15, 2025
Yes, but there would need to be enough income to subtract the deductions from.
Post: Retirement Realignment by Ken Cutler
Link to comment from January 15, 2025
Full retirement age is perhaps the worst time to start collecting, just when the advantage for waiting kicks up to 8% per year.
Post: Open Social Security – interesting finding on optimization and mortality tables
Link to comment from January 14, 2025
Charles may be talking about itemizing deductions to offset the income from traditional retirement account distributions.
Post: Retirement Realignment by Ken Cutler
Link to comment from January 14, 2025
I don't think it makes much difference whether you transfer in kind or sell and repurchase. Maybe just transaction costs.
Post: An Inherited Roth IRA… Now What?
Link to comment from January 13, 2025
Perhaps AI will help international stocks more than US stocks due to the shorter human workweek internationally.
Post: Look Both Ways
Link to comment from January 12, 2025
B and C provide income, but I would use bonds instead as they're not as highly correlated with A. For Roth conversions I would target an income, capital gain, or IRMAA bracket and convert up to the top.
Post: A barbell strategy for stocks
Link to comment from January 10, 2025
Because my home gets hotter and "freer" every year?
Post: No “Go-Go” by Kristine Hayes Nibler
Link to comment from January 6, 2025
Many financial companies allow you to link your assets from outside to calculate net worth. Though I use Quicken for this.
Post: First year of retirement by Chris
Link to comment from January 5, 2025