I already assumed you would only sell from taxable when under age 59.5. I'm not sure why you would be in the 22% bracket if only selling equities in taxable to pay $14K a month for expenses. After all, with equities a big percentage of the sales proceeds will be return of capital which is not taxed. How do I know this? Because I early retired, had 100% equities in taxable, larger expenses, did Roth conversions and paid almost no income taxes.A couple quick clarifications. The concern for the stocks and thinking safer investments in there would be good as well is that my plan is to retire before 59.5 so using 401k or IRA is likely not an option until we are 59.5. I can use the rule of 55, assuming I don't leave before then, and pull from the 401k if needed. Just trying to cover all my bases here.
The plan is to spend roughly $14K per month which should cover all our expenses.
Once retired we will also be doing Roth Conversions up to likely the 22% bracket to reduce RMD's in the future.
Statistics: Posted by livesoft — Sun Sep 07, 2025 11:16 am — Replies 14 — Views 362