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FortunateSon
| Favorite team: | Wake Forest  |
| Location: | Tennessee |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 11 |
| Registered on: | 4/2/2024 |
| Online Status: | Not Online |
Recent Posts
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re: Excel question for you geniuses
Posted by FortunateSon on 4/25/24 at 8:44 am
Ask ChatGPT to explain it to you - seriously.
It involves using a formula called VLOOKUP that looks up data in a column. You can highlight a cell if it is repeated or missing out of a list. But VLOOKUP is the easiest method, IMO....
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re: PSA: Do you know about the Louisiana Purple Paint Law?
Posted by FortunateSon on 4/25/24 at 8:41 am
This reminds me of a story that my HS football coach told me. He had a killer DB that was about 5'11 200 lbs and could run like a deer. The problem was that the kid was in special ed and couldn't read. One day the coach drove the kid home from practice and in his truck he had a "NO TRESPASSING" sign...
re: Croatia...Anyone ever been and have good experiences/recommendations to share?
Posted by FortunateSon on 4/22/24 at 11:25 am
We stayed a week in Istria. We loved Rovinj and Pula. People don't realize that Istria was ruled by Italy until after WWII. The place is very much like northern Italy.
We did arrange a day trip to Lake Bled in Slovenia while we were there. That was incredibly beautiful as well. ...
re: What's your favorite cheap guitar ?
Posted by FortunateSon on 4/20/24 at 12:10 pm
I admit that I am an electric guitar snob. I've always had nice electrics around.
That said, when my son was offered guitar lessons in school, I needed to buy him a cheap acoustic. The teacher recommended that I buy a Big Baby Taylor. It has a smaller scale and was like $399. Fifteen years later,...
re: 1st world problem of the day. Chick Fil A drive thru etiquette.
Posted by FortunateSon on 4/10/24 at 2:01 pm
It's a zipper - however, I always go in the outside lane because our CFA has "escape" lanes if they bring your food early. I am fine if someone wants to go in front of me because it gives me more time to get my food from a runner and take the escape portal....
re: Using a Roth 401K to minimize RMDs - Good idea?
Posted by FortunateSon on 4/4/24 at 12:13 pm
[quote]What bracket are you projecting in retirement?[/quote]
Using today's numbers, probably the 32% bracket, maybe 35%. This is not factoring in any conversions.
[quote]I have a hard time believing An extra $61k into traditional 401ks each year for 10 years is going to make that much differen...
re: Using a Roth 401K to minimize RMDs - Good idea?
Posted by FortunateSon on 4/4/24 at 11:38 am
[quote]We are in our early 40s and our guy is advising the same thing. When he first mentioned it, I thought he was crazy, but the model has us thinking it’s the right thing to start doing. I was a difference of about 3 million in taxes paid over the model to age 90.
I switched this year to Roth ...
re: Using a Roth 401K to minimize RMDs - Good idea?
Posted by FortunateSon on 4/4/24 at 11:16 am
[quote]What is your marginal rate?[/quote]
I believe it's 35%, but if I were to contribute all 401Ks as Roth, it would probably push us into 37% territory. ...
re: What is the latest OT theory on why Gen Z has no work ethic?
Posted by FortunateSon on 4/3/24 at 9:25 pm
[quote]The US hasn’t won a war since WW2[/quote]
The US ran up the score in the Gulf War....
re: Using a Roth 401K to minimize RMDs - Good idea?
Posted by FortunateSon on 4/3/24 at 9:19 pm
[quote]Did he model Roth conversions after you retire in 10-12 yrs?[/quote]
Yes - he showed me the effect of switching to Roth now and it was surprisingly significant. He has pretty cool software that lets you adjust various investments so that you can see the effects on RMDs and IRMAA in 25-30 y...
Using a Roth 401K to minimize RMDs - Good idea?
Posted by FortunateSon on 4/3/24 at 2:33 pm
I'm 50 and my wife (no pics) is 48. We have currently about $2.5M in traditional 401Ks. We plan to work and aggressively save for 10-12 more years. A few years ago, we started a side gig that has done pretty well (~$100K/year). The side gig is an LLC and we are deciding how best to add to our retire...
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