We have now started living 100% from Roth withdrawals (FIRE'd at 52, it's been 3 years so far). We Roth convert yearly ~$32k MFJ minimally, because it changes our MAGI hence our income taxes & ACA healthcare costs.
It is nice knowing if we need an extra $10k (as an example) we can withdraw it from the Roth w/o tax/healthcare issues (as long as sufficient aged-conversions space available in the Roth for that given year).
My spreadsheet says w/ average returns, SSA (even reduced ~21% for the shortfall) and reasonable spending increases & splurges we'll still leave a healthy Roth & taxable brokerage to our heirs. If that turns out to be the case, great. But I'm not curbing our retirement go-go year's spending to leave a nest egg.
It is nice knowing if we need an extra $10k (as an example) we can withdraw it from the Roth w/o tax/healthcare issues (as long as sufficient aged-conversions space available in the Roth for that given year).
My spreadsheet says w/ average returns, SSA (even reduced ~21% for the shortfall) and reasonable spending increases & splurges we'll still leave a healthy Roth & taxable brokerage to our heirs. If that turns out to be the case, great. But I'm not curbing our retirement go-go year's spending to leave a nest egg.
Statistics: Posted by lottadot — Sun Feb 01, 2026 1:05 pm — Replies 175 — Views 13297