Hi, Shrewd!        Login  
Shrewd'm.com 
A merry & shrewd investing community
 Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd
Search
Shrewd'm.com Merry shrewd investors
Search
Best Of RIBest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd

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.
Answer this questionContinue to Shrewd'mThis note won't appear again
Personal Finance / Retirement Investing
Unthreaded | Threaded | Whole Thread (19) |
Author: intercst ⎊  😊 😞
Number: of 1281 
Subject: Re: Zweig article/30-year Returns
Date: 09/11/25 7:24 PM
Post New | Post Reply | Report Post | Recommend It!
No. of Recommendations: 2
{{ Be aware that even though you can wait until 73 to start RMDs, you jump into the table at the age 73 rate. Age 73 rate is 3.8%. That "3/10ths of 1%" withdrawal will be long gone. }}

Not really. My traditional IRA is only about 10% of my net worth. Most of my assets are in my taxable account.

{{ You might want to start taking IRA withdrawals early so as to reduce the amount of the mandatory withdrawals at 73 & after. Pay a little more tax now at lower rate to save a much larger rate later. }}

I've been doing Roth conversions since age 65 to pare down the size of my IRA.

intercst
Post New | Post Reply | Report Post | Recommend It!
Print the post
Members reply directly to intercst here — and replies get answered. Reading is free; so is joining the conversation. Join Shrewd'm »
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
Unthreaded | Threaded | Whole Thread (19) |


Announcements
Retirement Investing FAQ
Contact Shrewd'm
Contact the developer of these message boards.

Ticker or Board Name Author

Best Of RI | Best Of | Favourites & Replies | All Boards | Followed Shrewds | Open Questions | Moving a community