[–] 2 points 1 day ago (1 child)

What do you mean by percolation?

"Coast FIRE" is when you have enough invested that compound interest alone will carry you to FIRE without more contributions. Then you can take a lower paying job that just covers living expenses.

When I say the MMM chart breaks down:

Showing someone who hasn't thought seriously about retirement the savings rate vs working years chart and a compound interest calculator can seriously change the way they think. It's a great starting point. I've done that for several early career engineers.

But, like that MMM article says, that chart's only accurate if you're starting from 0 net worth. It isn't really worth checking once you're already on your way. 50% savings rate has different years remaining for 0x, 10x, or 20x annual expenses invested.

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  • [–] 1 point 2 days ago

    Roth conversions have a 5 year lead time, so if you have some MAGI headroom, why not help future you out?

    And I'm just going to tell myself that the flattish market is a buying opportunity, then zoom out and still see it up quite a bit for 6 months and YTD.

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