5-Step Roth Conversion Blueprint—Build Tax Free Wealth

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Roth conversions are super interesting... You can do them even if you max out your Roth IRA every year as there is no limit on Roth conversation though you do have to pay taxes on the amount as ordinary income, preferably using non retirement funds, so it's better to do when the market is down, you lost your job or are on sabbatical. To minimize taxes you also should spread the conversation over many years, as you really want to keep in the lower tax brackets. But if you're thoughtful it's very easy to do - often just a few clicks of a mouse.

Traditional retirement accounts and IRAs can be bad in the sense you have RMDs which old people obsess about because they suck as they require you to withdraw money and pay taxes at forced intervals and such accounts including their capital gains are taxed as ordinary income. Major bummer! The more you can do as Roth initially or convert to Roth before you get close to retirement the better but then you have a higher tax bill on income which usually is higher now then in retirement.

I’ve Lived in My Truck Camper For 1 Year | A Honest Review

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In an effort to somewhat keep my mind open and learn the facts, I am continuing to investigate truck campers over the traditional camper shell I've had on my two pickup trucks over the past 22 years. I know truck campers are popular, but they're expensive, heavy, raise the center of balance on your truck, and just are a lot of plastic and particle board.

I do somewhat like the idea of an indoor shower, but most of the time in summer I swim in creeks to be clean and bucket shitter works fine. And just so much padding and soft stuff to get muddy and moldy, that can't be easily taken out to the laundromat.

Regardless of what I do on my next rig, I do want a diesel heater because my toes and fingers get so damn cold now that I've gotten old. Blood circulation ain't as good, moreover it's just cold when it's zero degrees out even with sleeping bags. Truth is I do like the simplicity of the ARE MX Cap like I had on my old truck, maybe with a wooden rack for gear like I had. Plus a truck cap can be purposed for a second life hauling small livestock and gear in a dry space if I get away from traveling and into homesteading. Some day I'm going to get old and have feed to haul and animals to feed, once I settle down, move out of the dumpy apartment and back out in the country.

Hannacroix Falls

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Looking down over Hannacroix Falls at Hannacroix Preserve on a icy, snowy wintery day.