I calculate that Patti and I pay about 12% total tax to get the cash we want for our spending; it’s 16% if I add back the tax I previously paid to get the amount I distribute from Roth – the amount of tax I

You ideally have no more than $1 million in your Traditional IRA at age 73; you would want the the balance as Roth. At average long run return rates for stocks and bonds, you won’t cross the first IRMAA tripwire until your late 80s: 88

I list the things I do to try to be an effective and efficient investor. You may find ways you can be more effective and efficient.  Why is this important? I estimate that the total adds to about $30,000 more for Patti and me per

Inflation for the most widely reported measure of inflation, Seasonally-adjusted inflation, inched up in August. The last six months run at an annual rate of 4.1% an increase from 3.8% last month. The last six months for Core inflation, which excludes the more volatile energy

The $150,000 interest-only HELOC that I got seven years ago was scheduled to expire December 31. If I did nothing, I would be on schedule to pay off the balance, I think that was over 10 years. I just plowed ahead with the steps to