“How do I avoid the pro-rata rule in retirement? Can I do X to avoid it?” I’ve seen this question numerous times. My general answer – don’t avoid the pro rata rule in retirement.…
From the inbox: Jeremy, I remember that you aren’t a big fan of 529s. But now that you can move excess 529 funds into a Roth IRA (thanks to Secure Act 2.0) … now, surely, you must LOVE them! Right? Actually…. no.…
I have now submitted our 2024 tax return. Somebody (me) has exceptional procrastination skills. The numbers this year are very nice – overall we “earned” more and paid about the same.…
