Home » How to Structure Your Accounts for FIRE (Financial Independence, Retire Early) financial independence retire early

How to Structure Your Accounts for FIRE (Financial Independence, Retire Early) financial independence retire early



วิธีจัดโครงสร้างบัญชีของคุณสำหรับอัคคีภัย (อิสรภาพทางการเงิน เกษียณอายุก่อนกำหนด) สมัครสมาชิกวันนี้เพื่อติดตามข่าวสารล่าสุดของเราและวิดีโอไฮไลท์: ผู้เชี่ยวชาญของเรามุ่งเน้นที่การวางแผนทางการเงินและการจัดการการลงทุน และเราใช้ประโยชน์จากความรู้ของเราเพื่อประโยชน์ของคุณ เราช่วยให้คุณมุ่งเน้นไปที่สิ่งที่คุณสามารถควบคุมและจัดการสิ่งที่คุณไม่สามารถทำได้ เยี่ยมชมเว็บไซต์ของเราสำหรับข้อมูลเพิ่มเติม : คุณพร้อมที่จะก้าวไปไกลกว่าสามัญสำนึกในเรื่องเงินของคุณหรือไม่? ตรวจสอบแหล่งข้อมูลทั้งหมดที่ Money Guy Show มีให้:

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How to Structure Your Accounts for FIRE (Financial Independence, Retire Early)

How to Structure Your Accounts for FIRE (Financial Independence, Retire Early)

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How to Structure Your Accounts for FIRE (Financial Independence, Retire Early)
financial independence retire early
ดูวิธีการทำเงินออนไลน์ล่าสุดทั้งหมด: ดูเพิ่มเติมที่นี่
ดูวิธีการทำเงินออนไลน์ล่าสุดทั้งหมด: ดูเพิ่มเติมที่นี่

15 thoughts on “How to Structure Your Accounts for FIRE (Financial Independence, Retire Early) financial independence retire early”

  1. I think the Mad Fientist would disagree regarding no one talking about this… He's been very vocal about how to structure things depending on what you need and how to structure it.

  2. Of course, recent changes in IRS tax law makes some of this broadcast outdated. The stretch IRA has been severely limited. Upon your passing, your heirs (apart from your spouse) have to withdraw all funds from IRAs within 10 years. Also, required minimum distributions on IRAs now start at 72 1/2 rather than 70 1/2.

  3. My withdrawal strategy: IRS rule of 55 withdraw pretax 401k at 55 to minimize RMD's, If my pretax 401k runs out, start spending taxable accounts age 55-65, HSA withdraw age 65, Social security claim at age 67, if any left in pretax 401k start RMDs at age 72. Roth IRA for my kids inheritance. if possible, do Roth conversions between age 55-67 before filing for social security at age 67.

  4. Please put an adult beverage on my tab for who ever came up with the idea for Rule of 55. The look on Beau's face @ 13:12 as Brian is explaining the benefits of the Roth is priceless. I feel the same way!

  5. I don’t think you guys really answered your title. You said 401ks and Roth accounts were great but not to touch them until you’re old but if I wanted to retire at 30 then where could I pull out my money

  6. Sequence of risk returns, sequence of risk distribution. These are risks so they can be mitigated in 1000 ways. As for FIRE, most FIRE people depend on passive income streams not necessarily their resources. For those who live out of their resources are more focus on rental income and investment dividends and can keep doing this forever.

    Remember FIRE people are minimalist and reduce expenses as part of their plan. Read the Millionaire Next Door. It sort explains the characteristics of FIRE people. Specially, being cheap. LOL!

  7. Use passive rental income for your "NUT". Know what you minimum monthly expenses are. Mine is under $2000 with a modest paid for house.

    If you only use accounting then you will alter your lifestyle in a market downturn. Nobody saves enough money then spends it when the market goes south no matter what you structure. It is just human nature. If you have passive rental income to cover your nut you will avoid this trap. This technique will also allow you to remain more aggressive in your investment to get a higher yield even when retire. Truth is most "rich" people plan to leave their wealth to another which means their timeline is MUCH longer than most programs plan.

    My plan is to have over $10k a month in passive net rental income which I have already passed. Should I stretch to $20k?
    My plan is to have over $10K a month in investment income which I think is possible on $1M and we are at $440k now. See how it goes.
    With SSI we likely will play as health appear at time but at 70, 65 we would have $5k a month and much less if earlier.

    Yes I think I am marching towards $300k income at "retirement" if I never work again at 56 or add more to our retirement when we normally made under $150k. If I get another six figure IT job that I love the the numbers could increase. Of course this is not FIRE because this is not retire early. Retirement may be MUCH more enjoyable for some than others. I like to work. I don't think I will ever totally "retire".

    Health insurance is a big thing for people trying to retire early. Our plan is for wife to work until 65. If we meet our goals earlier we may need to look into getting health insurance another way until Medicare at 65.

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