There are a lot of great comments on this site and on the forum. Here is one of them that deserves a longer response:
“Hey GCC, thanks for sharing your tax returns each year. How do you decide in a given year whether to do a Roth IRA conversion, harvest capital gains, or both? How do you prioritize?’
It is all a function of other income, long-term tax minimization progress, and short term spending needs.
I sometimes hear from respected members of the Go Curry Cracker Community that traveling internationally can be a daunting prospect.
“I wish I was as confident as you guys, to go off into the great unknown and have grand adventures! I’m too worried that I’ll make a big mistake.” – nice person from a GCC meetup
Mistakes? Oh yeah, those definitely happen. Let me tell you – I am an expert at making travel mistakes.
Should I invest in International stocks? If so, what percentage of assets should be invested internationally?
These are important questions to answer when deciding on a target asset allocation.
This is how I thought about that decision.
One of my personal goals for 2019 is to spend less time in front of a screen. This includes phones, laptops, and televisions. Reading books on my Kindle is still allowed.
I certainly spend way less time on a device now than I did while working, but I find that I have lost time doing mindless things that could be better spent playing guitar, exercising, cooking, reading, or spending quality time with the fam.
I view this solely as a matter of preference, choosing what to do with my waking hours. So far so good.
Over the past several years, I’ve made minor annual adjustments to our investment portfolio – harvesting capital gains, rebalancing, and adding fresh capital.
This is what our portfolio looks like as of early 2019.
