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Hmmm...thanks for the advice.
So your thinking is to take advantage of ROTH tax-free growth, and continue living off the taxable brokerage. As long as we stay under $94K of income, cap gains are not taxed. I can see that strategy.
Our ordinary income this year isn't going to even be $50K, much less $94K! Though if we do conversions, we would have to be aware of brackets. We were doing back-door conversions while we were working. Maybe we should do some front door now.
I sold a little stock this year, and never reinvested the proceeds. So that's mostly what we've been living on.
