In this episode: spending down to zero, the ratcheting rule, the guardrails approach, high fee 401k's, and mini-retirements.
This week we are diving back into the listener mailbag with Rachael Camp to address the pressing questions our community has! Whether it's curiosity towards the concept of dying with zero, determining whether it is a good time to take a mini-retirement, or working with high-fee 401k's, Brad and Rachael tackle it all! Listen along as YOU the community dictate the conversation with your hot button FI questions!
Rachael Camp:
Please note:
Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.
Timestamps:
- 0:55 – Introduction
- 1:38 – Spending Down to Zero
- 10:15 – The Ratcheting Rule and The Guard Rails Approach
- 20:38 – Flexible Spending Strategy
- 27:01 – Does Everything Need to be Optimized?
- 31:15 – High Fee 401k’s
- 41:48 – Mini Retirement Considerations
- 49:54 – Roth IRA Contributions and Faze Out Limits
- 55:57 – Conclusion
Resources Mentioned In Today’s Episode:
More Helpful Links and FI Resources:
