Feb. 7 at 2:40 PM
Most retirement math ignores taxes and flexibility. That’s the mistake.
This
$75K semi-retirement scenario shows how a 45–55 year old couple can downshift early using taxable accounts, Roth conversions, and a low-dividend equity mix like
$BRK.B
$MKL and
$VOO.
Add a small business, control MAGI for ACA healthcare, and suddenly a 5% early withdrawal rate becomes realistic.
https://seekingalpha.com/article/4867257-what-75000-a-year-really-looks-like-in-semi-retirement
