u/Appropriate-Ad-1281

like lots of people, I have had some outstanding gains in my (rollover Charles Schwab) IRA over the past few years.

and also like lots of people, I have been engineered to never touch my IRA under any circumstances before retirement.

I'm looking for a perspective from someone willing to think outside that box.

my aging parent is in a multi-year cancer battle without any resources, and having some liquidity could really smooth this final chapter for the whole family (travel costs, funeral costs, etc).

Because I would be taking a disbursement before retirement age, I'm looking at a 10% ding. I also live in a no income tax state (Texas). When I look at the cost to access that $ vs, the super gains, etc it just doesn't seem like such an awful cost.

anyone here done this? any perspective that I'm missing?

(I'm in my late 40's, FIRE-ish, own my house and car outright, no kids, etc)

appreciate any feedback.

like lots of people, I have had some outstanding gains in my (rollover Charles Schwab) IRA over the past few years.

and also like lots of people, I have been engineered to never touch my IRA under any circumstances before retirement.

I'm looking for a perspective from someone willing to think outside that box.

my aging parent is in a multi-year cancer battle without any resources, and having some liquidity could really smooth this final chapter for the whole family (travel costs, funeral costs, etc).

Because I would be taking a disbursement before retirement age, I'm looking at a 10% ding. I also live in a no income tax state (Texas). When I look at the cost to access that $ vs, the super gains, etc it just doesn't seem like such an awful cost.

anyone here done this? any perspective that I'm missing?

(I'm in my late 40's, FIRE-ish, own my house and car outright, no kids, etc)

appreciate any feedback.

like lots of people, I have had some outstanding gains in my (rollover Charles Schwab) IRA over the past few years.

and also like lots of people, I have been engineered to never touch my IRA under any circumstances before retirement.

I'm looking for a perspective from someone willing to think outside that box.

my aging parent is in a multi-year cancer battle without any resources, and having some liquidity could really smooth this final chapter for the whole family (travel costs, funeral costs, etc).

Because I would be taking a disbursement before retirement age, I'm looking at a 10% ding. I also live in a no income tax state (Texas). When I look at the cost to access that $ vs, the super gains, etc it just doesn't seem like such an awful cost.

anyone here done this? any perspective that I'm missing?

(I'm in my late 40's, FIRE-ish, own my house and car outright, no kids, etc)

appreciate any feedback.

I have a buddy who just told me he has 1.2 million in Apple shares just sitting in an acct. He doesn't trade them/mess with any option plays, etc Has just keeps adding.

He has not ever sold Covered Calls on them.

From my perspective, that is leaving serious (basically) risk free money on the table.

can some Rain Man here help me with the basic math of what he could generate in a year selling conservative CC's a year out, etc.

Hi All,

I want to get my Dad out for a bit today. I was going to do the sculpture garden by Barton Springs, but it's closed on Mondays.

Does anyone have any recommendations for cool spots with decent paths (well packed pebbles/rocks are fine).

Ideally south of the river, but open to gems.

Thx

we obviously had a big week for options plays around various earnings.

anybody have anything interesting in mind coming up for next week?