Search found 34 matches

by a__
Mon Jun 14, 2021 12:27 am
Forum: Investing - Theory, News & General
Topic: tIRA --> Roth conversion, but can't recharacterize?
Replies: 9
Views: 1204

Re: tIRA --> Roth conversion, but can't recharacterize?

This might be part of the answer :?: https://www.thetaxadviser.com/issues/2020/apr/correcting-excess-contributions-iras.html The distribution part of the failed Roth conversion is an ordinary distribution and is taxable to the same extent it would have been if the Roth conversion had not failed. Sounds like it may be that you have effectively withdrawn the TIRA contribution and made a Roth contribution, since the money was not eligible for conversion. What a tremendous article. Thank you for this link! But I don't think I'm out of the woods... the following sentences after your quote seem to put me in the corner: A failed Roth conversion from a qualified plan or traditional IRA is similarly treated. The distribution part of the failed Roth...
by a__
Sun Jun 13, 2021 11:49 pm
Forum: Investing - Theory, News & General
Topic: tIRA --> Roth conversion, but can't recharacterize?
Replies: 9
Views: 1204

Re: tIRA --> Roth conversion, but can't recharacterize?

Dale_G wrote: Sun Jun 13, 2021 4:08 pm
a__ wrote: Sun Jun 13, 2021 3:13 pm In retrospect, I should have contributed directly to the Roth.. since the income limits for those purposes add back in the FEIE, that would have been fine.
Can you clarify the highlighted statement?

Dale
In 2020, I have $0 earned income, since the exclusions covers all of my earnings. But for the Roth IRA, I add back in my foreign earnings since the limits are calculated based on modified AGI.
by a__
Sun Jun 13, 2021 3:13 pm
Forum: Investing - Theory, News & General
Topic: tIRA --> Roth conversion, but can't recharacterize?
Replies: 9
Views: 1204

tIRA --> Roth conversion, but can't recharacterize?

Hi everyone, I've made a terrible mistake... :shock: I live outside the US and have a complicated earnings history (moving from low tax to high tax countries, generous expat benefits, to local contracts, promotions, etc) It means I've struggled to thread the needle on Roth IRA contributions with the best effect. Sometimes I need the backdoor, others not. While the reasons are complicated, I think I find myself in a pretty normal situation, I just can't seem to find the perfect answer to my questions: Q1 2020, 1. I made a tIRA contribution of $6000 2. I converted to Roth IRA (expecting I would need the backdoor) - at conversion, the value was smaller (~$5,500) 3. tIRA is empty Now, preparing my 2020 taxes, it's clear that with FEIE, I don't ...
by a__
Mon May 10, 2021 6:40 am
Forum: Non-US Chapters
Topic: New German Bogleheads Local Chapter Established
Replies: 43
Views: 15804

Re: New German Bogleheads Local Chapter Established

Servus aus Franken!

I'm very keen to connect with the local community - especially if there are other US citizens? I'm currently in the fight of my life (OK, that might be too dramatic) with the accountants regarding some new tax regulations for my US-domiciled accoutns... :shock:

I've sent an email, and looking forward to connecting at the next opportunity.
by a__
Thu Mar 25, 2021 2:05 pm
Forum: Non-US Investing
Topic: Advice for US Citizen living outside USA
Replies: 17
Views: 3081

Re: Advice for US Citizen living outside USA

I'm an EU resident American citizen with this same terrible problem. The company I work for offers a paltry pension program that grows at a guaranteed 3%, and the complicated matching formula means very little additional benefit beyond contributing a few percentage points...it gets a little bit more generous, but only if I get a HUGE raise. So I am doing the bare minimum here. My latest idea to get back to the index investing I prefer came from another thread: buy B class shares of Berkshire Hathaway (BRK.B) It is far from ideal - but I see it as the only legal and policy compliant solution. And, in my current circumstances, I'm willing to experiment a bit. BRK.B has tracked the S&P 500 relatively close over the past 20 years...so it's ...
by a__
Sat Mar 07, 2020 2:35 am
Forum: Non-US Investing
Topic: Investing in US ETFs from Europe [Portugal]
Replies: 9
Views: 1350

Re: Investing in US ETFs from Europe [Portugal]

So long as you are not an American citizen, you should be able to invest in cheap Bogle-like ETFs that are listed in the EU. The trick is to find options where the underlying investment

Check out Schwab's International Accounts: https://international.schwab.com/public ... _investing

They offer an ETF that tracks a broad US market index - it's pretty close to something like VOO. They also have international and small-cap ETFs.
by a__
Wed Nov 13, 2019 11:24 pm
Forum: Non-US Investing
Topic: Portfolio Review - Germany
Replies: 14
Views: 1969

Re: Portfolio Review - Germany

Country of Residence: Germany . Currency: EUR Debt: Mortgage of my apartment 300k @ 2 a year% Age: 39 Amount to invest: low six-figures You don't raise it, but this could be an important topic to put on the table now: Any chance you are a US citizen? Buying EU-domiciled funds as a US citizen seems to be a very bad idea: https://thunfinancial.com/home/american-expat-financial-advice-research-articles/why-americans-should-never-ever-own-shares-in-a-non-us-incorporated-mutual-fund/ And, due to EU regulations, residents are barred from buying retail investments that don't comply with certain documentation standards. Schwab recently stopped selling US-domiciled funds to EU residents. https://ec.europa.eu/info/business-economy-euro/banking-and-f...
by a__
Fri Sep 20, 2019 12:22 pm
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 10623

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

sharukh wrote: Thu Sep 19, 2019 10:40 am its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you.
I logged in today, and saw lots of Ireland-listed iShares ETFs.

Cool!

Trouble is, the prospectus is quite clear that US citizens cannot purchase shares. I also got a hard copy letter today informing me that the UCITS funds are not available to US citizens...so I'm back at square one. Is it really the case now that as an EU-resident American, I have ZERO effective ways to be an index investor?
by a__
Sun Aug 19, 2018 11:18 am
Forum: Non-US Investing
Topic: No tax on capital gain while changing country of residency?
Replies: 8
Views: 758

Re: No tax on capital gain while changing country of residency?

Do I have to pay any capital gain tax anywhere if I sell my investment while travelling from country A to country B? During the few days I will travel will I be considered with no residency? I am doing the opposite opposite of you (moving from SE Asia to the EU next month, though I am an American citizen). My company provides tax consulting for income taxes in all counties as needed for expats, and I’ve just had my tax briefings. As others said, this entirely depends on the counties involved, but in my experience it’s very possIble that each country will view your worldwide income for all 2018 no matter when you earn it. I’ve never seen a tax return that asks for the date of any captital gains earnings, they are attributed to the calendar ...
by a__
Wed Aug 01, 2018 2:25 am
Forum: Non-US Investing
Topic: Aggregator like Mint/PC/YNAB in Germany?
Replies: 2
Views: 462

Aggregator like Mint/PC/YNAB in Germany?

Hi all,

I'm relocating to Germany next month, and since I'll be paid and doing most spending in EUR from a German bank account, I'd like to continue tracking spending in YNAB and/or PC. Are you aware of any fintech websites like this in Germany?

I recognize I could just use YNAB and manual transactions, but I'm hoping for the convenience of automatic importing!

Thanks,
by a__
Thu Feb 22, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Recommended resources for a new manager?
Replies: 4
Views: 693

Re: Recommended resources for a new manager?

Hello and good morning, Bogleheads. I've been fortunate enough to accept a new position as a manager of a small team at a Fortune 50. While I'm very excited, I'm also a bit apprehensive as this is my first role in a leadership position. My background is primarily technical and though I'm a relatively strong communicator, I have a lot to learn in terms of leading and managing people. That said, would anyone be able to recommend any stand-out resources for someone in my shoes? I'm gong to be taking some time off in-between jobs and I would love to spend a good chunk of that time preparing for my new role. As always, thanks so much for your guidance. http://www.askamanager.org/ A great resource for all sorts of workplace topics, useful for em...
by a__
Mon Feb 05, 2018 5:20 am
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 984

Re: [How to invest while living outside the US?]

Yup, I’m a teacher. this will be my first time teaching overseas. One round trip is standard in all but a few schools, and the Saudi school year is packed between September 2 and May 2 with only one week off during that time so additional round trips would be pretty pointless. The 4 months off for summer will be great though. Keeping on pace for retirement is a big goal. I’ve got student loan payments but no other debt, and I’m hoping to save $1500-$2000 a month based on what I’ve heard from people who’ve worked there and estimates using cost of living comparison websites. Housing provided on top of the net pay is a big plus for me as well. I was more than on pace when I was planning on having a pension with 37 years of service, but I can’...
by a__
Sun Feb 04, 2018 10:27 pm
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 984

Re: [How to invest while living outside the US?]

Investing aside, one roud trip a year for an expat position in Saudi Arabia is not great. Hopefully this is not in the oil patch because that would be a red flag. Enjoy the experience, expat jobs are great early on in one's career. Make the most of it and try to save 80+% of your income given the company freebies. I'm guessing the OP is a teacher (based on their contract dates. One annual trip is pretty standard for that. I've been in these shoes, and while the experience is tremendous, it is not always a financial windfall. I lived well for two years in my early 20s in Korea as an English teacher, saved some money, and paid off some debt, but it definitely put me behind on retirement savings. Though, to be fair, the savings problem was al...
by a__
Sun Feb 04, 2018 6:12 pm
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 984

Re: [How to invest while living outside the US?]

Does anyone know if I would be allowed to exclude all but $5500 of my income under the FEIE, so I have a $5500 taxable income, and put that into a Roth? Would that $5500 be covered under the standard deduction leaving me with no tax liabilities? Sorry, the FEIE is all or nothing. Unless you have some US earned income you're out of luck. It's not clear if your salary goes over the FEIE? Also, depending on the how some benefits are provided, things like housing, bonuses, airline tickets, can be added on top, and can take you over the exclusion limit. Then you can have earned income, and can contribute to the tax-advantaged accounts. Though, you will still have to watch the contribution limit rules - I think MAGI calculation will out the FEIE...
by a__
Wed Jan 31, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: American saving rate
Replies: 28
Views: 6227

Re: American saving rate

Most of what bogleheads do isn't considered "saving" by this definition. We put money in mutual funds, not savings accounts. Mostly. I don't think that's correct. I believe saving is defined as income - consumption, so it doesn't matter if the 'saving' is in MFs, savings account, or stuffed under mattresses :) Super interesting...and like anything, the devil is in the details.... I read this as outlays including purchases of securities (whether a mutual fund, ETF, or stock, they are economic goods and this should mean it's "consumption"). So the only way to have a high savings rate in this metic is to hold cash. Your reading is incorrect. How saving and savings are defined in finance and economics. Saving (without the t...
by a__
Tue Jan 30, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: American saving rate
Replies: 28
Views: 6227

Re: American saving rate

Most of what bogleheads do isn't considered "saving" by this definition. We put money in mutual funds, not savings accounts. Mostly. I don't think that's correct. I believe saving is defined as income - consumption, so it doesn't matter if the 'saving' is in MFs, savings account, or stuffed under mattresses :) Super interesting...and like anything, the devil is in the details....From what I can tell here: https://www.bea.gov/newsreleases/national/pi/pinewsrelease.htm https://www.bea.gov/national/pdf/glossary.pdf Definitions Personal income is the income received by, or on behalf of, all persons from all sources: from participation as laborers in production, from owning a home or business, from the ownership of financial assets, a...
by a__
Tue Jan 30, 2018 5:14 am
Forum: Investing - Theory, News & General
Topic: Switching from Biweekly 401K match to Annual match
Replies: 6
Views: 1206

Re: Switching from Biweekly 401K match to Annual match

Here's how I'm tempted to think about it: Sure - front loading on Jan 1 is better, but the money is still going in, and if you shift the way you think about the contribution year and the tax year, you're only missing one year of gains, but you're also getting a lump sum as opposed to the slower DCA of bi-weekly investments...so you might be splitting the difference. Here's what I mean: On Dec 15, 2018 you get the contribution for 2018, but this is nearly the same as a contribution on Jan 1, 2019 for 2019 (in fact a tiny bit early). So, you do miss out on all the gains during 2018, but the full contribution is immediately working full-time for ALL of 2019. This repeats every year. " Time in the market" as the say...you just have to...
by a__
Sat Jan 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: International Move - recommendations as for company or pitfalls ?
Replies: 4
Views: 542

Re: International Move - recommendations as for company or pitfalls ?

I live in the US since a longer while and left a couple of households (own, inherited, spouse) behind in Germany on various attics of friends and family. I now would like to move all the stuff to the US and finally consolidate. Besides me wondering if that is even worth it - has anyone experience if a company would drag boxes and single items (beds, piano, bookshelves and the likes) from various addresses, combine in a half container (maximum I will need) and ship it to me for unloading on my own ? What cost could I expect roughly (to judge if it is even remotely worthwhile) ? And how does the importation works ? Do I have to fill out every item in detail (I can not even claim to remember all items that I have). Any pointers would be appre...
by a__
Sat Jan 13, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 4133

Re: How to see YTD% at Vanguard

BogleMelon wrote: Fri Jan 12, 2018 10:07 pm
GridironGems wrote: Fri Jan 12, 2018 9:11 pm
BlackHat wrote: Fri Jan 12, 2018 9:03 pm If you go the My Account drop down menu, there will be a personal performance option there.
I see the dollar sign numbers, but not the % on that page
For whatever reason the % of the YTD is not there in Vanguard..
Do you see other returns, like 1 year, or since inception?

I think YTD is impossible so early in 2018...in the disclosures, I think Vanguard says that return rates are updated at the end of each month, and usually visible following the first business day of the next month. Also, no return is calculated for "new investors," which means you need to have one complete year (and then have that month close) before you'll see any returns calculated.
by a__
Tue Jan 02, 2018 5:49 am
Forum: Personal Investments
Topic: Backdoor Roth 2018 wait time
Replies: 1
Views: 745

Re: Backdoor Roth 2018 wait time

Hi Just contributed to 2018 T-IRA and the monies are yet to be pulled from the bank (but are available for trade). Can I go ahead and convert to R-IRA (and move to final fund as well there)? Thx I guess it's possible the answer will depend on which brokerage firm you're using, and their respective trading date recognition rules. I'm in a similar boat at Vanguard. I processed an exchange from the settlement fund in my taxable account to my traditional IRA settlement fund yesterday. It still hasn't settled. So, while the account page does imply I have "funds available to trade" when I try to process a conversion to my Roth IRA, it won't let me proceed. The money is still just a credit to my tIRA settlement fund. So I plan to wait a...
by a__
Wed Dec 20, 2017 1:33 pm
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 769

Re: Help me tighten up asset allocation

It can't be that your main concern is asset location while you want to disregard taxes, employer plans, and expat situation. Otherwise one comment is balanced funds seem useless when you otherwise have a simple array of "three fund" selections. You can keep it or liquidate it depending on tax cost. As far as munis, that decision depends on tax rates, but the question can't be answered if you can't estimate what those will be. A normal answer to that is to hold the necessary bonds in the employer plan. My employer plan is really, really limited.,,it's not a 401(k)..it's a kind of pension fund with European mutual funds...(I know about the PFIC issues) There are only two fund choices, and neither is all that great: (actively manage...
by a__
Wed Dec 20, 2017 1:18 pm
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 769

Re: Help me tighten up asset allocation

I think you have not gotten any responses because these questions are difficult to answer. I'll give it a stab and maybe others will join in. You seem to be mostly interested in asset placement. The problem is that asset placement is tied to tax bracket and we have no idea what that is. It would be helpful to know if you are a low earner or high earner. And with some things changing this week as far as next year's taxes....some questions may not have an answer yet. I understand that current and expected tax brackets are what drive most of these decisions. Since my final MAGI depends on how my accountant handles the various expat benefits I have. My gross salary puts me in the 28% bracket, but in 2016, after taking the Foreign Tax Credit, I...
by a__
Sun Dec 17, 2017 8:32 am
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 769

Help me tighten up asset allocation

Hi everyone, I know I'm off to a good start, thanks in part to an earlier thread, but I'm facing some confusion on how to make a cleaner/tighter portfolio. I'd appreciate your insight! Emergency funds: I treat the balanced fund below as my emergency fund. It's also more like planned short-mid term costs...think new car, re-settlement costs. Since these expenses may or may not materialize soon. I'm at low risk right now for traditional emergencies, so I like the flexibility. I also keep 2 months cash buffer in my checking. Debt: 0 Age: 35, Single Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 20-30% of stocks For my purposes, I'd like to disregard a few things: My tax rates, (I currently live abroad, and m...
by a__
Fri Nov 03, 2017 2:08 am
Forum: Personal Investments
Topic: Should I invest my emergency fund?
Replies: 28
Views: 5959

Re: Should I invest my emergency fund?

I keep about 1 month's worth of expenses as cash buffer in my checking account. Over that, the money I really consider as my EF is in my taxable account, invested specifically in Vanguard's Balanced Index fund. This provides both modest return and modest risk protection. I also protect against downside risk by funding this account to about 130% of my target amount.
by a__
Sat Oct 14, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding estimated taxes
Replies: 11
Views: 1541

Re: Tax question regarding estimated taxes

You can create an account with the IRS directly:

https://www.irs.gov/payments

There are a couple ways to do it depending on what return you file, and how you want to pay. I use EFTPS, because of self-employment income. It also appears to be the only way to set up scheduled recurring payments for future quarterly payments, which sounds like what you might want to do.
by a__
Sat Oct 14, 2017 10:34 pm
Forum: Non-US Investing
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 72
Views: 63092

Re: Why can US citizen expats not invest w/Vanguard?

I'm a US Citizen living and working in China, so am very grateful for the discussion going on here. Most of the discussion focuses on having a US address in order to open an account with VG. I have a permanent address in the US, so this is not an issue for me. However, the VG registration process also asks for an Employer's address, and only allows US addresses to be entered. The implication is that one needs to be employed by a US-based company. I'm wondering why no one has addressed this issue, and why there is only focus on the US home address factor but not the US employer factor? Hey Jimmy, I wonder if you've come up with a solution here? I'm in the same boat as you, in SE Asia. I want to open a new Roth IRA, but don't have a US-based...
by a__
Thu Oct 12, 2017 7:49 pm
Forum: Personal Investments
Topic: Backdoor Roth Conversion Timeline after recharacterization
Replies: 7
Views: 1271

Re: Backdoor Roth Conversion Timeline after recharacterization

celia wrote: Thu Oct 12, 2017 11:59 am
This is "clean" as far as the IRS sees it. (The transfer of custodians is irrelevant.) Continue to make all further IRA contributions to a tIRA, then immediately convert. If it ends up that you could have made a deductible contribution, you can claim that, but then the entire converted amount will be taxed. So it will be a wash whether to deduct the future contributions or not. But if your future income drops or the ceiling for the deductible tIRA eligibility increases in the future, you would make deductible contributions if you don't want to convert.
Perfectly clear...thank you!
by a__
Thu Oct 12, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: China visa service recommendations
Replies: 5
Views: 875

Re: China visa service recommendations

I have always applied for visas like this with Travel Visa Pro: https://www.travelvisapro.com/
by a__
Thu Oct 12, 2017 2:10 am
Forum: Personal Investments
Topic: Backdoor Roth Conversion Timeline after recharacterization
Replies: 7
Views: 1271

Re: Backdoor Roth Conversion Timeline after recharacterization

I have almost the same question, but it my case it's due to a roll-over: Feb 2017: I did direct roll-over from Betterment TIRA to Vanguard. March 2017: 2016 contributions to Betterment were about $2,000, so I finished out 2016 contributions to Vanguard TIRA April 2017: Made $5,500 contribution to TIRA Total TIRA value now is about $24,000 I planned to deduct 2016 and 2017 contributions, but finally my income will be too high for both years. I actually still have not not finalized 2016 return, this will get submitted next week. Therefore, I would like to convert to a Roth. I understand the tax liabilities on the conversion, but I think it's worth it. Total value is relatively small, and in coming years, I don't think my TIRA contributions wi...
by a__
Mon Oct 09, 2017 5:04 am
Forum: Non-US Investing
Topic: Moving to the UK from the US: tax advice requested
Replies: 10
Views: 1335

Re: Moving to the UK from the US: tax advice requested

OP, does your company have other expats on this sort of assignment? I also can''t tell if one of you is self-employed or not? In any event, it's a really complex situation. I've lived aboard a few times, first as an English teacher in Korea (paid in local currency) and now as a MegaCopr expat in Vietnam (paid in USD, and working for a Hong Kong registered subsidiary). My recommendation is to find an accountant who specializes in this, and can support you in the very complicated tax rules. You still have to FILE, but but may or may not be able to claim exclusions on your income. You also need to be sure you meet certain residency and physical presence requirements before you can claim the exemption. If you will be traveling back to the US at...
by a__
Mon Oct 02, 2017 10:26 am
Forum: Non-US Investing
Topic: US Expat in Japan looking for options
Replies: 11
Views: 2171

Re: US Expat in Japan looking for options

I'm an American living in Vietnam - no family here, but I have similar investing goals as you do. There are several threads here cautioning against US citizens citizens from purchasing mutual funds. It doesn't appear to be illegal per se, but Vanguard may not really like it. See this link: https://thunfinancial.com/us-brokerage-accounts-american-expats-closed-2015/ Anyway, building the same portfolio in ETFs achieves exactly the same goal, and you don't have to reach the minimum initial purchase amounts. The downside is that you can't set-up automatic investments, so you'll have to go online each time to want to make a purchase. You should be able to open an account using your US address without any trouble...though I'm not sure if they'll ...
by a__
Sat Sep 02, 2017 1:19 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 1062

Re: Portfolio Review for Expat

Hi and Welcome! At work: 13% BL Equities America (1.48%) :annoyed https://markets.ft.com/data/funds/tearsheet/summary?s=LU0439764944:USD Eeeks! I think that fund is worst than you imagine. Um, you are American correct? If so, then you can't hold a Luxembourg domiciled fund. Well you can, but then there are PFIC taxation issues. See https://www.google.co.jp/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwisv7zT54PWAhXDwLwKHXmBAC8QFggmMAA&url=https%3A%2F%2Fthunfinancial.com%2Fwhy-americans-should-never-ever-own-shares-in-a-non-us-incorporated-mutual-fund%2F&usg=AFQjCNFAa_24TAKD-pwUv2rqG8CazygcDA Yeah, this ER is not great. Interesting about the restrictions or filing requirements abo...
by a__
Fri Sep 01, 2017 5:39 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 1062

Re: Portfolio Review for Expat

bumping with an edit above.
by a__
Sun Aug 27, 2017 12:34 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 1062

Portfolio Review for Expat

Hi, I’m currently on expat assignment in SE Asia since early 2016. I’m American, but work for a European company, so it’s a bit of a strange set-up. My benefits package is comfortable, and expenses are very low., so I have lots of discretionary income for savings/investment. This job has been a pretty great windfall for a couple years, and really helped jumpstart my retirement savings, which for various reasons had gotten off to a slow start. Side note, I am intending to go back to the US within the next 12 months. Emergency funds: Discussed below, but I’m also excluding the few months’ cash I have saved for this review. Debt: $0 Taxes: Single. Most of my income is excluded under the Foreign Income Exclusion. In 2016 I ended up at 15% Feder...