No. of Recommendations: 7
An interesting article but it doesn't make a lot of sense unless you retire early.

There are many aspects that apply to people who retire "on time" (at whatever age social security calls full benefits for lack of a better term). At age 65 or 67 or whatever, there are several years before RMDs kick in at 70.5. That's time to make use of the ideas presented to reduce the likelihood that those RMDs will kick other things into taxable territory. Also, if you *do* have several levers to adjust (Regular IRA, Roth, taxable account), why NOT try to keep most of your income in the 15% bracket instead of easily hitting 15% with room to spare for a couple years, then overflowing into the 25% bracket (or higher) in later years?

Even if you plan things out and your results aren't perfect, they'll probably be better than the "don't do any planning and hope for the best" method.
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.