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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: AdrianC   😊 😞
Number: of 1281 
Subject: Re: taxes, distributions, and ACA
Date: 03/09/25 10:28 AM
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No. of Recommendations: 2
Maybe just realize it all at once and get it over with. A one-time hit, and then ACA for the next three years as normal. Hmmm....

Bear in mind, currently ACA premiums are capped at 8.5% of MAGI. That expires in 2025, and if not renewed, we go back to the old way, subsidy cliff at 400% of federal poverty level. $1 under = subsidy, $1 over = no subsidy.

kff.org - Who might lose eligibility for affordable care act marketplace subsidies if enhanced tax credits are not exten

Do we really think the enhanced tax credits will be renewed? It might be best to take the one-time hit.
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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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