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I woke up yesterday and thought, why am I rushing out of the house today. I decided to drink my coffee on the front porch and watch the sunrise instead. I would not have done that 4 months ago.
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The five-year rule on Roth earnings is one of the most important and most misunderstood rules in retirement accounts. Even after 59½, Roth earnings aren’t tax-free unless the account has been open for at least five years. Contributions come out anytime — earnings have their own timeline.
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After the long Labor Day weekend, I was able to see my son off as he returned to base. My wife, one of our kids, and our 3 grandkids were there too. I didn’t need time off, I don’t need to make up the time, I didn’t need permission, I just did it! I like being…
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Withholding on IRA distributions is a choice, not a default. You decide what percentage gets withheld for federal taxes, or whether to pay estimated taxes quarterly instead. Getting this wrong doesn’t feel like a mistake until April. Getting it right is the kind of thing that only happens if someone told you it was a decision…