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[quote=Anonymous][quote=Anonymous][quote=Anonymous]The last year or so has us looking to pull the ripcord early. Currently 51. Looking to get out by 60. At present $6m ($3m taxable, $3m retirement). One kid, 9th grade. House ($1.2-1.5m) will be paid off by time kid is 1/2 way through college. Our projection has us at $10-12m by the time we want out.

One of my biggest concerns (champagne problem to be sure) is that RMDs could be $1m/yr if we don't take some action to mitigate.
No employer healthcare after retirement but happy to cash flow that to be able to get out. [/quote]

We have similar stats and plan to stop working in 5-6 years to start Roth conversions before 62 (about 5 years). [b]Why not stop working earlier and start conversions?[/b] $1 million RMDs
would be ridiculous.[/quote]

This is why we moved up our retirement.  It’s counterproductive for us to continue working when we need to start conversions. We’re converting up to entire 22% bracket as our RMDs would be taxed way higher. [/quote]

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