What is this I-ORP you speak of and where can I find it? Tis here, young Kbg: https://www.i-orp.com/CashAcc/extended.html Takes a bit to get a handle on it but it's a great tool. Enter all amounts as thousands (so $20,000 would just be 20). Don't use any commas with your dollar amounts or you will ...

Well, it's more a first-world problem than a concern....was just hoping to start some discussion on the issue. I plugged in some hypothetical numbers to i-ORP. I think it always tells you to tax-defer the maximum, and doesn't consider optimizing this. When I input $1 million in savings and said ret...

Sophie, What issues do you see when you plug your approximate numbers into i-ORP? Here is the link to the extended planner just in case: https://www.i-orp.com/CashAcc/extended.html I tried running some hypothetical numbers and it seems that one limitation is that one can only do Roth conversions for...

Kbg wrote: ↑

Wed Jan 02, 2019 3:51 pm

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Shortest post of 2019 so far!

Nice-looking website, Smith! I agree but I'd like to see the returns in real (inflation-adjusted) terms. I suspect the "flattening" that we see over the last ten years or so is at least partly due to inflation being low during that entire period. Check out this page from Ryan Melvey's site: http://...

So barrett, are you all good with your plans for your I bonds? They've turned out to be pretty darned good investments! Hey sophie, It seems that the best course of action based on current assumptions and multiple i-ORP runs is to keep income low for now to take advantage of ACA subsidies, and then...

So barrett, are you all good with your plans for your I bonds? They've turned out to be pretty darned good investments! Hey sophie, It seems that the best course of action based on current assumptions and multiple i-ORP runs is to keep income low for now to take advantage of ACA subsidies, and then...

Of course the other side of the coin, PS, is why bother taking risk when you have already won the game? (borrowing from Bill Bernstein here) It sounds like your annual expenses are so low and your human capital is so valuable that, essentially, money just isn't all that important to you at this point.

After years of portfolio watching, I've come to the conclusion that the true problem isn't the act of looking but the reason you're looking. If you're looking because you're terrified of losing money or desperate to make money as fast as possible, it's an indication that you're looking to your port...

Realizing I am able to pay for college for my kids without stressing finances was a really big one for me. That is the last big known lifetime spend. Oh, God, now I'm stressing out about getting old... :o Congratulations on getting over the college stress hurdle, Cortopassi! We have three more unde...

barrett, you haven't looked for 3 years? How do you get notified if you need to rebalance? That might be a way to go for me, since all this is in a Google sheet, if I can trigger an email if a certain cell goes above or below a value....hmmm.... I am close to not caring. Realizing I am able to pay ...

Sure, constant portfolio checking doesn't make sense and it certainly doesn't help a person grow their money. But how does one really not know more or less how much money they have at any given time? For example, if I have a million bucks stashed away and I have 30% in stocks (because that's my AA) ...