Roth contributions from Taxable cash assets (or elsewhere) must be matched with earned income, so as long as she's making $60K, that's well in excess of $8K each to a Roth IRA and the actual dollars to fund it can be from anywhere (including dividends from stocks, bonds, or cash as well as withdrawals from Trad/Roth accounts).best way to fund our Roth accounts ... perhaps through dividends from taxable as one poster mentions above.
If you sell shares in Taxable at a loss and you hold the same (or substantially identical fund) in another account the wash sale is in play. If you don't buy any shares then it was in play but never triggered. You no longer funding it means you're not making contributions, but it's likely that distributions are automatically reinvested, which also constitutes a re-purchase of shares sold at a loss (just the number repurchased is not equal to the the number sold). That still requires eliminating the "washed" shares from your tax return to claim a loss (or just not claiming the loss at all but that seems dire). Alternatively, if you know you're going to sell shares at a loss (perhaps intentional tax-loss harvesting) then you could turn off auto-reinvest of distributions in the wash-sale pair within other accounts 30d before the loss sale, then wait another 30d after the loss sale to turn auto-reinvest back on.If I am no longer funding my SEP IRA I don't believe it presents wash sale considerations.
It's probably easiest to just count the HYSA separately from your investment portfolio, which will be 70/30 with no cash allocation.I want to stay approximately 70/30 and get to 20% international
...
The HYSA $180k serves two functions
Hopefully you can use the template spreadsheet to replicate the Proposed layout and eliminate the HYSA line-item then rebalance to meet 70/30. If that exercise proves too difficult, then let me know and I can try and update, but typically encourage posters to start DIY sooner than later, so if an updated proposed layout is of interest, you should try to set that up yourself before asking for further help with that specific element of your plan.
Statistics: Posted by bonesly — Mon Nov 17, 2025 11:37 pm — Replies 12 — Views 1928