Yes, low expenses plus previously unreimbursed HSA funds plus cash we had hoarded running up to DH’s retirement. Also, timing can play a role - DH retired mid year, so had partial year’s salary to start out, the first year we did a Roth conversion. He will hit 59.5 early in a calendar year, so just looking at the 4 calendar years between, not 5. And I’ve continued working very part time, not enough to cover our expenses, still contributing to my retirement accounts, but also taking advantage of continued refundable tax credits.How was 11 years of contributions enough to cover 5 years of expenses? Even at the current limit that's only $77,000 in total. x2 people? $154k is $30k for 5 years... I guess maybe your expenses were really low?We had zero taxable accounts, and only funded Roth IRAs for 11 years, but there was still enough to cover 5+ years expenses.
All told, we’ve done a single $16k Roth withdrawal so far, 4 years since DH retired.
Statistics: Posted by teen persuasion — Wed Sep 17, 2025 12:54 pm — Replies 57 — Views 3899