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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: weatherman   😊 😞
Number: of 1281 
Subject: Re: Investment/Retirement Accounts
Date: 06/24/24 1:54 PM
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having spent way too many hours on roth tools and studies, its seems a 50/50 split for roth and traditional IRA is a decent strategy in light of all the unknowns. (given similar investment options in both. there is chance the work you put in has a non-zero chance of retro rule changes.)

one caveat are stealth taxes like IRMAA and 'investment' tax, which fly under the radar of public complaints and thus increase exponentially and pass fairly easily in congress.
also, many forgot to include weighted probabilities for non-spousal inherited investments; even if roths, they have to be whittled away over 10 years into your taxable bucket.

since i have a lower income window visible via early retirement, i will try to get a 50/50 split before medicare, but no anguish regardless:

current trad:roth 8:1
shift ~25%/yr for 3 years into roth (based on available cash for taxes pre-conversion)
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This community has written 1,207 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
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