Anonymous
Post 12/10/2025 22:35     Subject: What will your HHI be this year?
$400,000 a year. Expect it to be flat for the next three (or 7) years. Sons manage the family real estate (mainly hotels), crypto and other holdings separately.
Anonymous
Post 12/10/2025 22:04     Subject: What will your HHI be this year?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:About $1M. All investment income. No SS income. $800K tax free.


How? Bonds?


Some bonds but mostly income produced from the investments inside my Roth IRA. Started contributing and investing inside a Roth IRA when they were created in the last 1990s. Switched to a Roth 401K when my employer offered it. Took advantage of the Backdoor Roth when I made too much to contribute directly. Retired and started doing Roth conversions on my regular 401K. Most of my early investments were individuals stocks in the biotech/pharma sector. Hit a couple of grand slams there. Now hold mostly dividend producing stocks that produce about $780K of income. Most of that reinvested and some I withdraw to fund my lifestyle. Roth IRAs are the greatest retirement vehicle to ever come out of the federal govt. It’s nice not to care about income tax brackets or potential income tax rate increases by either party or the epic amount of waste of our tax dollars by our government. Still have to deal with property and sales taxes though. Look up Peter Thiel or Ted Weschler Roth IRA for some real inspiration.


Forgot to add: I turned 60 this year so withdrawals from my Roth are penalty free.
Anonymous
Post 12/10/2025 22:02     Subject: What will your HHI be this year?
Anonymous wrote:
Anonymous wrote:About $1M. All investment income. No SS income. $800K tax free.


How? Bonds?


Some bonds but mostly income produced from the investments inside my Roth IRA. Started contributing and investing inside a Roth IRA when they were created in the last 1990s. Switched to a Roth 401K when my employer offered it. Took advantage of the Backdoor Roth when I made too much to contribute directly. Retired and started doing Roth conversions on my regular 401K. Most of my early investments were individuals stocks in the biotech/pharma sector. Hit a couple of grand slams there. Now hold mostly dividend producing stocks that produce about $780K of income. Most of that reinvested and some I withdraw to fund my lifestyle. Roth IRAs are the greatest retirement vehicle to ever come out of the federal govt. It’s nice not to care about income tax brackets or potential income tax rate increases by either party or the epic amount of waste of our tax dollars by our government. Still have to deal with property and sales taxes though. Look up Peter Thiel or Ted Weschler Roth IRA for some real inspiration.
Anonymous
Post 12/10/2025 21:41     Subject: What will your HHI be this year?
Anonymous wrote:About $1M. All investment income. No SS income. $800K tax free.


How? Bonds?
Anonymous
Post 12/10/2025 21:39     Subject: What will your HHI be this year?
About $1M. All investment income. No SS income. $800K tax free.
Anonymous
Post 12/10/2025 20:25     Subject: What will your HHI be this year?
Anonymous wrote:So interesting that someone might not know their HHI. Is that because it’s so enormous that it doesn’t matter? Or so irregular that you can’t predict?

Ours is $270k, evenly split between DH and myself.


Well, I have an idea but I won’t know exactly until I do our taxes. We have multiple forms of income:

W2 - spouse 1 = 150k
W2 - spouse 2 = 60k
Dividends and interest = 12k
Self employment income = around 25k
RMD from inherited IRA = about $25k

So I guess that’s around $272
Anonymous
Post 12/10/2025 19:14     Subject: What will your HHI be this year?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:300k earned, 700k investment earnings and gains.

You could gains as income?


If you’re going to do this then you’ve got to subtract down year losses from your salary too


I am so much richer than I thought if DCUM is now counting unrealized investment gains as HHI
Anonymous
Post 12/10/2025 18:56     Subject: What will your HHI be this year?
Anonymous wrote:
Anonymous wrote:300k earned, 700k investment earnings and gains.

You could gains as income?


If you’re going to do this then you’ve got to subtract down year losses from your salary too
Anonymous
Post 12/10/2025 18:46     Subject: What will your HHI be this year?
Anonymous wrote:So interesting that someone might not know their HHI. Is that because it’s so enormous that it doesn’t matter? Or so irregular that you can’t predict?

Ours is $270k, evenly split between DH and myself.


We’re DINKs and once we hit $600K a couple of years ago we stopped closely tracking. Plus there’s other sources of income for us now like board seats, rental property, etc etc. I could ballpark where we are say within $100K but wouldn’t be able to get more specific without diving into everything and running the #s. It also helps we live so below our means that it’s probably a mental illness so we don’t stress about covering bills day to day.
Anonymous
Post 12/10/2025 18:28     Subject: What will your HHI be this year?
$440k. $110k of that is bonus. I’m a divorced 49 yo.
Anonymous
Post 12/10/2025 18:00     Subject: What will your HHI be this year?
Anonymous wrote:300k earned, 700k investment earnings and gains.

You could gains as income?
Anonymous
Post 12/10/2025 17:58     Subject: What will your HHI be this year?
Anonymous wrote:
Anonymous wrote:$7M in quant trading


Do you work locally in the DMV? This is what DC wants to do. Any advice?


It's gambling.
Anonymous
Post 12/10/2025 17:57     Subject: What will your HHI be this year?
Anonymous wrote:A friend of mine reached out last week. He has been looking for a job for 11 months. He used to make $256k as a senior software developer.

Don't fall in love with your "high" HHI. You can be him next time and I am sure you won't be coming here bragging.


That's very middle class.
Anonymous
Post 12/10/2025 17:37     Subject: What will your HHI be this year?
Anonymous wrote:A friend of mine reached out last week. He has been looking for a job for 11 months. He used to make $256k as a senior software developer.

Don't fall in love with your "high" HHI. You can be him next time and I am sure you won't be coming here bragging.


This is our nightmare as highly compensated W2s. Hoping to start my own thing after having kids to de-risk this. I do find it hilarious when DCUM or r/HENRY W2 employees flex on their salary / HHI and make it their whole identity when it can be gone in an instant. If you’re not a business owner / partner / working for yourself, you’re a highly paid cog in the wheel and every day you get paid the big bucks is a gift. Save save save.
Anonymous
Post 12/10/2025 17:30     Subject: What will your HHI be this year?
A friend of mine reached out last week. He has been looking for a job for 11 months. He used to make $256k as a senior software developer.

Don't fall in love with your "high" HHI. You can be him next time and I am sure you won't be coming here bragging.