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Early Retirement / Re: Looking for guidance
« on: March 23, 2021, 07:54:35 AM »
You're right about inflation outside the U.S. Point well taken.
The challenge with delaying SS is... you don't know when you'll die. Actuarial assumptions are age 92, I believe. I like your thinking though: delay on a good market, take it early on a down market. In other words, treat as a fixed income element of my portfolio.
re. Roth conversions: when I run my numbers on i-orp (a cfiresim companion) it recommends some pretty aggressive early conversions. Pay a bunch of taxes early and little to none later. Thoughts?
Agreed on Mexico. Not sure about health coverage: fly back home for serious conditions? BTW, I loved your place in San Miguel de Allende. I hear it's become overcrowded with expats... and I'm trying to steer clear of that.
Thanks again.
The challenge with delaying SS is... you don't know when you'll die. Actuarial assumptions are age 92, I believe. I like your thinking though: delay on a good market, take it early on a down market. In other words, treat as a fixed income element of my portfolio.
re. Roth conversions: when I run my numbers on i-orp (a cfiresim companion) it recommends some pretty aggressive early conversions. Pay a bunch of taxes early and little to none later. Thoughts?
Agreed on Mexico. Not sure about health coverage: fly back home for serious conditions? BTW, I loved your place in San Miguel de Allende. I hear it's become overcrowded with expats... and I'm trying to steer clear of that.
Thanks again.