I converted some Traditional IRA to Roth in 2018 and in 2019 and withdrew some in 2021. The rules that determine whether or not my withdrawal would be tax-free were a bit confusing. This post describes the key “five-year rule” or aging period for withdrawals

Each October Medicare announces the standard premium that all those on Medicare pay, the greater Income-Related Monthly Adjustment Amounts (IRMAA), and the tripwires of income that trigger higher monthly premiums. I view these higher monthly premiums or surcharges as a tax on those with high

Wednesday’s news covered the lower-than-expected inflation for May. A couple of measures nose-dived. It’s just one month, though: the recent months still average closer to 4% inflation than 2% inflation. I display a table and the same six graphs that I use to follow the

On Wednesday, the real, inflation-adjusted value of US stocks met its prior highwater mark in November 2021.In less than a year later, we reached the trough of 30% decline. It’s a battle to recover from that steep of a decline over a year. I reported