Search found 3 matches

by Xebec
Wed Aug 26, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping ACA Subsidy with Roth Ladder retirement
Replies: 25
Views: 1892

Re: Keeping ACA Subsidy with Roth Ladder retirement

Yes, *if* you deducted state income taxes the prior year. When I retired, I ran into this and another poster here on bogleheads gave me the alert which saved my bacon. The last full year I was working, I bunched deductions (paid property tax early, did a large DAF donation), which caused large stat...
by Xebec
Wed Aug 26, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Keeping ACA Subsidy with Roth Ladder retirement
Replies: 25
Views: 1892

Re: Keeping ACA Subsidy with Roth Ladder retirement

Wow - Many great responses. Thank you all! Thanks Marcopolo - Yes that's what I meant by #1 and appreciate your response + good luck! Thanks MP123 / HomeStretch - age 55 contributions "adders" are good to know for future. Thanks jj - I like that 80% early / remainder last day strategy. I w...
by Xebec
Thu Aug 20, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Keeping ACA Subsidy with Roth Ladder retirement
Replies: 25
Views: 1892

Keeping ACA Subsidy with Roth Ladder retirement

Greetings Bogleheads, I just wanted to verify a few assumptions about income vs. the ACA subsidy. I am looking at retiring with a roth ladder strategy -- 5 years expenses covered in after tax and previous roth contributions to start the process. However, I'm planning to ladder an amount very close t...