The end of 2017 marked the completion of 5 full years of early retirement and world travel.
It’s been a fun ride so far… we’ve traveled a bit, had a few good meals, and taken many naps.
But how effective have these 5 years been in terms of implementing our tax minimization strategies? Are Roth IRA Conversions and Capital Gain Harvesting just fantasies we keep while working, or do they actually produce results in the real world?
Let’s do a financial check-up and see how we are doing.
It’s been a fun ride so far… we’ve seen a large swathe of the world, birthed a baby, and experienced 5 or 6 minutes of fame.
But how effective have these 4 years been in terms of implementing our tax minimization strategies? Are Roth IRA Conversions and Capital Gain Harvesting just fantasies we keep while working, or do they actually produce results in the real world?
Let’s do a financial check-up and see how we are doing.
I’m often asked if we invest with Betterment, or if I would recommend them.
I assume this is because of their generous affiliate marketing program for personal finance bloggers, but we could generically ask, “Would I recommend using a robo-adviser?” But Betterment’s solution will make a fine reference point.
As with most things, there are pros and cons. But for the purpose of discretely foreshadowing my conclusions:
