“Are you ready to learn how to change the oil in the car?”
12-year-old me: “Dad… when I am old enough to have a car, I will pay somebody to do that.”
Now adult me finds himself doing all kinds of things (no oil changes though cuz EV.)
Why is that?
3 years ago we bought a new electric vehicle. I am in the process of getting rid of it.
If you have spent any amount of time online you have definitely seen an anti-EV meme or two. Charging takes too long. The range isn’t sufficient. They don’t work when cold. California won’t let you charge your car! Diesel fuel is testosterone. They run off of coal. Etc…
That is pretty much all wrong though, which is why we are replacing our EV… with a new EV.
(more…)
“Isn’t a Roth conversion ladder far superior to an SEPP in every way?”
“You wrote all of this stuff about SEPPs but it is a complete waste of time, everyone should just do a Roth conversion ladder.”
“Thanks for the SEPP Calculator but isn’t a Roth conversion ladder more flexible?”
All good questions / comments, of course. The Roth conversion ladder is a great option to access retirement accounts before age 59.5. But some people will still find that the SEPP is better suited to their wants / needs.
Me, for example.
This blog makes a little bit of money which helps to fund our quiet and subdued suburban lifestyle.
Every once in awhile somebody expresses interest in exactly how much we make and how.
Read on, curious one.
2023 was our second full year back in the US where we were subject to the 3 overlapping tax systems – Federal, State, and ACA.
In theory this could mean that we would have a high tax burden.
But in practice we paid practically zero, with more opportunities to save next year.
