Modeling and Building a Roth Conversion Ladder in Early Retirement Folks get confused when talking about Roth Conversion Ladders, a series of partial Roth IRA conversions, and backdoor Roth IRAs. Here, we are discussing early retirement and trying to access […]
Stop Reinvesting Dividends When You Retire Some people think you should always reinvest dividends. Others think perhaps there are times when you should stop reinvesting dividends when you retire. When should you stop reinvesting dividends before you retire? What is […]
Self-Funding Long Term Care Building wealth and self-funding long-term care insurance gives you the best of both worlds. Since there are no good options for long-term care insurance, the baseline case is self-funding. Neither Medicaid nor insurance are great options; […]
Non-Deductible IRA After-tax contributions to a traditional IRA are a common problem. These results in basis in your IRA. That is, you have money you have already paid taxes on in a usually pre-tax account where you still owe taxes! […]
We All Numb—and why not numb? Most doctors “numb” their emotions through overworking. In addition, activities, substances, and other escapes are common. Our go-to numbing technique for physicians is always being busy, including at the hospital. If we stay […]
Three Accounts and the 3-Fund Portfolio Simplicity is a 3-fund portfolio. US and International equity funds and a bond fund are baked together in a set asset allocation. There is a tad more to consider when you have different […]
Don’t Die with your HSA Let’s keep this short and to the point: Don’t Die With your HSA! Yes, non-spouses can inherit leftovers from your Health Savings Account. However, while it is tax-free to you, unfortunately, it is fully taxable […]
Portfolio Stress Testing A Portfolio Stress Test is an important consideration when considering the resiliency of your current assets in light of future potential risks. Future risks include known risks—market crashes, for one—and potential risks such as inflation and longevity. […]
Investing and Acute Stress Response When I went to med school, fight or flight were the two options for an acute stress response. Well, I guess humans have evolved since then (or at least our understanding of them has), […]