thanks for all the insightful answers, probably wouldn't be a bad idea to take half of our TIRA fixed (25% of TIRA as of today) and do some sort of TIPS ladder if only to prevent FOMO.
We will also continue to do partial Roth conversions at least for the next 3 years. (maybe even after RMD's start if the bull keeps running)
Even if we ramp up spending somehow (we won't be buying condos or vaca homes but we do travel regularly with 1 big int'l trip per year but again we are homebodies with inexpensive tastes) we probably can't exhaust what we have in brokerage accounts for many years (currently 80/20 but i keep the 20 restocked via selling stocks/mutuals 2x per year)
We will also continue to do partial Roth conversions at least for the next 3 years. (maybe even after RMD's start if the bull keeps running)
Even if we ramp up spending somehow (we won't be buying condos or vaca homes but we do travel regularly with 1 big int'l trip per year but again we are homebodies with inexpensive tastes) we probably can't exhaust what we have in brokerage accounts for many years (currently 80/20 but i keep the 20 restocked via selling stocks/mutuals 2x per year)
Statistics: Posted by john0608 — Fri Feb 20, 2026 4:56 pm — Replies 21 — Views 1347