Last week I recalculated to a real increase in our Safe Spending Amount (SSA) for the upcoming calendar year (see Chapters 2 and 9, [NEC]). My post included a pdf of a detailed spreadsheet that shows ten years of recalculation of our SSA.

I revised the spreadsheets for tax planning that I included in this post two weeks ago. I corrected the math that calculates the taxable gain on sale of taxable securities. My taxable gain is much less than I previously calculated. These are the corrected sheets

Wow! Patti and I calculate to a real increase for our Safe Spending Amount for next year (SSA; Chapter 2, Nest Egg Care [NEC]. It’s small – 3% – but we’ll take it. After the steep decline in 2022, I thought it would

I finalized my tax plan for 2024. I altered the templates I provided in August for our situation. Patti and I know we have “more than enough” (Chapter 10, Nest Egg Care [NEC]); our Safe Spending Amount (SSA, Chapter 2, NEC) is

The inflation report issued Wednesday showed another month of low inflation; the seasonally adjusted measure for October was a bit greater than any of the five prior months, but the rate over the last six months point to 1.4% inflation. The 12-month inflation rate was

Converting traditional to Roth can be painless: you have NO added tax to pay out of your current income; you’re paying taxes for the conversion from your Roth account. Younger folks in Save and Invest of life don’t have to use any of their

I like to look at our portfolio in terms of its after-tax spending power. When I do this, the after-tax value of our portfolio is about 81% of the total value I see when I look at the summary statement for our brokerage account. That’s

Patti and I are in England for two weeks. We’re in Norwich. then to London at the end.

Norwich is about two hours by train from London. We were here two years ago after we walked part of the Northfolk Coast National Trail.

The inflation report issued yesterday showed another month of low inflation. The 12-month inflation rate was 2.6% for the seasonally adjusted number, but this ran at a 1.6% annual rate for the last six months. The annual numbers likely will not move much until we

If you are in the Save and Invest phase of life, how much should you be contributing to your retirement plan? Are you on track for a successful retirement? I’ve looked at several retirement calculators and they’ve confused me. I built a spreadsheet that says