On Being a Pseudo-Physician I am a pseudo-physician. There I said it! Being a pseudo-physician is an achievement (because I escaped the chains of usual employment due to financial independence), and I happily receive the award given to pseudo-doctors. […]
Tax Planning Window to Save in Lifetime Taxes What is the optimal time to do tax management for retirement? The tax planning window! Not infrequently, that tax strategy is a yearly series of partial Roth conversions. These pre-pay future taxes, […]
Tractors and How the End Began I want to share with you the beginning of the end. This is the tractor letter; how the end began. The intention was to set a boundary, to discover myself. She responded with […]
Planning for a SEPP 72(t) and FIRE Learning about a SEPP 72(t) is a rite of passage on the journey to FIRE. Do you need a SEPP 72(t)? How can you model one? Or, wait, should I build a 5-year […]
Safe Withdrawal Rate Early Retirement Early retirement requires a lower Safe Withdrawal Rate. Not only is the future uncertain but there is also a longer future when you retire early! Also, it is more difficult to study the Safe Withdrawal […]
What is a RILA? What is a RILA, and should you buy one? These annuities are taking off from a sales perspective, so I’m not surprised that you are being sold a RILA. Should you buy one? Let’s find […]
The 4% Safe Withdrawal Rate in Action The 4% Safe Withdrawal Rate is back-of-the-envelope retirement planning. It is heavily talked about (and unnecessarily debated), so let’s see what it actually looks like in action! The 4% Basics Assume you […]
Using a Margin Loan to Purchase Your Home In early retirement, you may not qualify for a traditional mortgage based on a lack of W2 income. What about using a margin loan from your equities to purchase your home? […]
Physician Early Retirement Plans Physician early retirement is not a novel idea, but perhaps one that now has a more developed framework. It is an idea whose time has come: take back the keys to your j.o.b. and work […]
