447 | Mailbag: Breaking up with your Advisor, I Bonds, 4% Rule, Accounts for Kids, Roth IRAs | Sean Mullaney
ChooseFI
How to Pay Expenses When You Know You Can Afford to Pay Them
If you're not earning any earned income, then you have a significant amount more space at the lowest tax brackets. But at the end of the day, this is your personal decision,. So we can't know you said reasonable hope, right? We can't know what future marginal rates are going to be, etc. No one will be on their deathbed saying, boy, I converted too early and I didn't optimize.
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