u/AquaRegiaAg

Planning for Early Retirement Healthcare with Pensions.

My wife (41) and I (44) are both enrolled in a state pension plan. The goal is to retire in 16 years. I'm trying to figure out the best way to invest to help cover the years between retirement and Medicare kicking in.

Current situation:

~120k in a Roth IRA (mine, not maxed out yearly)

~110k in a 403b (wife's, same)

~65k in a traditional brokerage account

-Paid off house, 75k mortgage on a rental condo (comp sales around 250k), no other debts.

The pension website estimate shows around 81k/ year in today's dollars for both combined (100% joint life). There is a COLA, though it tends to not always keep up with inflation perfectly. That's just below the ACA subsidy cliff from what I can tell. SSA estimate is another 60k assuming we take at the same time (62 and 65).

I've learned that my wife's 403b has recently added a Roth option. My thought was to change all the future traditional 403b contributions into Roth, on the idea that pulling from it will not affect our reported income if healthcare subsidy income cliffs still exist in 16 years. Ideally we wouldn't need to pull from this Roth before SS kicks in, so it could also be a hedge against higher future tax rates (we'll likely live in 22% before and after retirement), a Widow's penalty, or inheritance for the kids.

Are there any thoughts on this? Am I missing something obvious? I don't need things to be perfectly optimized, just "good plan for 16 years of potential changes".

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u/AquaRegiaAg — 1 day ago
▲ 3 r/eu4

Humble Beginnings into Sweet Harmony Help

In what started out as a Humble Beginnings run (halfway there!), I'm now wondering if it's possible to expand into getting the "Sweet Harmony" achievement. The main issue is that Lan Xang up there went and converted the last of the Mahayana provinces, meaning religion #7 would need to be the Vajrayana provinces hiding way inland.

  1. Best way to get claims for far-away provinces? I'd love to save time getting up to Japan, and the province of Hue in Lan Xang has a Great Work that boosts Harmony gain a bunch.

  2. Any way to get the Mahayana religion back now that the provinces have been converted? It's not just that they were a lot closer than the other options, harmonizing gives -10% Idea Cost!

  3. I'm a few provinces away from being able to form Malaya by decision. Would this wipe out my custom National Ideas, or can I choose to keep them like with other tag switches?

  4. Any general tips or questions based on what's in the pictures? Anything just not look right?

(No disrespect is meant by the country name. I randomized the shield, that combo came up, and I could only see a clown face.)

u/AquaRegiaAg — 18 days ago
▲ 12 r/eu4

Several Colonial Questions (Japan in a Random New World)

I'm very thankful for all the helpful responses to my other questions, hopefully I'm not spamming the feed too much, but since I'm just now approaching the 100 hour mark I've still got a lot to learn. I'll try to combine all I can think of.

First Pic: State of my Date -> Japan as the Age of Reformation begins. Ryukyu has been vassalized and just waiting for the 10-year timer to diplo-annex. Ming has expanded despite being warred on during a low Mandate period by those countries to the north. I'm focusing on the east, but I'll have to keep an eye on them. Suggestions for containing them / breaking them up that don't rely on blobbing onto the mainland myself?

Second Pic: My first major colonial nation (Random New World). They've colonized one extra province themselves. How much should I subsidize them to really get things going? (Also pictured: the admiral and fleet that just completed the first circumnavigation. Feel like that should have rewarded Innovation.)

Third/Fourth Pic: The second colonial nation to the north. Portugal is present to the east, I got as many of the trade centers as possible with my first five colonies. What is the best way to expand the colonial nation here? Can I declare on one of the native nations for one province but just gobble up the whole thing? Can my colonial nation handle the unrest, or do I need to keep a good stack present? Similar question about how much to subsidize. The ideal goal is that they can expand to hold the entire area, as the eastern half feeds into the western (stealing it from Europe), which feeds directly back to Nippon.

First big colonial game, any major pitfalls or traps to watch for in general that don't depend on specific geography?

u/AquaRegiaAg — 24 days ago
▲ 8 r/eu4

Best Way to Setup Colonial Nation Here?

Playing as Date to form Japan and go on a colonizing spree in a random New World, this is the first area that is reachable from Wake Island. It appears to be an entire trade node which will connect back to Nippon, so I figured it was worth setting up a CN. If I'm reading comments and the wiki right, would it be best to form five colonies on the bigger island to the east so that they can use the first colony to get the rest of the western island? Since this is my first colonizing game since EU3, I can't remember if colonies extend colonial range or not for this to even be possible.

Regarding Ideas, I just hit Admin 7. Administrative Ideas are so tempting after having spent so much mana on coring provinces in Japan proper (so many stability hits as well), but I feel like Expansion may be forced to get the colonies up and running while still worthwhile. I plan to switch to a Republic once I hit Reform 6, so Plutocracy will be the Idea at Admin 10 if that helps to push the decision one way or the other.

u/AquaRegiaAg — 26 days ago
▲ 6 r/eu4

Best way to absorb the rest of Japan?

I'll admit that I started the war to become Shogun with a dirty trick. Askikaga had marched to that province in Hokkaido to deal with some rebels, and I declared the day after they got locked into crossing the strait with my main army waiting.

Any way, the war is going well, it's just a question of driving up war score while not having enough ships to control the crossings in the south, but I already have enough to nab Kyoto. The question is what to do after.

Is it best to let Hosokawa gobble up the rest of the south and try to annex them in one go? Are there ways to nab the OPMs besides a normal diplo-annex? I don't need the fastest way, as I'm working with a Random New World and will soon go exploring, just the best mana-efficient way. Never played as the Shogun before and looking to plan ahead.

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u/AquaRegiaAg — 30 days ago
▲ 12 r/eu4

Florence into Italy Complete

Finished up my first Florence -> Italy game up to the "Complete the Risorgimento" mission. Could have expanded elsewhere while waiting out the truces and the final annexation of Two Sicilies, but I wanted to keep it focused. Might come back to it later to see what an alliance between myself and Spain (and maybe Portugal or Poland if some rivalries switch) can do against the Ottoman blob. The New World is amazingly ordered.

Next up is the unification of Japan. Did it before with no DLC using Oda, this time I'm thinking Date for the tall idea bonuses and expanding into Korea and SE Asia. Maybe a little west coast colonization.

u/AquaRegiaAg — 1 month ago
▲ 169 r/eu4

Next best move for Italy?

Looking for the best way to pick up the Neapolitan provinces, as they are the junior member of a PU under France, my (for now) ally. Do I try to support their independence, or just stab France directly in the back? The troops are about even, though that will tilt in their favor as France recovers their losses helping me take Venice (Poland is not a fun enemy ally this game). My allies are hesitant after I annexed two vassals, but on the upside England hates France so much they won't step in even as defender of the Faith (I went Protestant after annexing Rome, it seemed appropriate).

Tech 14 is coming up, best Idea Group to even the odds? I was thinking Offensive, but I'd also love to try Trade to squeeze even more trade income and extend my lead as the #1 economy.

u/AquaRegiaAg — 1 month ago
▲ 120 r/eu4

What are your triggers to consider Alt+F4?

Got a pop-up that my heir died, but seeing as he was 3/0/1 and Greedy, I didn't really mind. Until I realized my Monarch was 62 and consort was 48. Then I learned that sacrificing legitimacy and prestige for a new heir really annoys those with royal marriages, causing them to break alliances. Which means the coalition you were holding at bay is suddenly unrestrained, and the last few hours/decades spent on an Ironman run have been wasted.

So now that I've added that one to my list through personal experience, what are some other reasons you've decided merited rolling back up to three months?

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u/AquaRegiaAg — 1 month ago
▲ 6 r/eu4

First Brandenburg Run - Advice?

Things are off to a pretty good start, I think. I got four provinces from Wolgast, Stettin is a vassal, and in the first war with the TO I nabbed Danzig and Königsberg while denying Poland (my ally) any pickups. Austria is also an ally, so no calls to return cores. But now in the first lull (10 years of TO truce left) and not sure where to move on to next.

  1. Just hit Admin 5: best Idea Group? Leaning towards Espionage, Influence, Diplo, or Offensive.

  2. Do I have to blob quickly to stay on top of things? Sometimes I feel like the game is balanced around min-maxing (like the 5 year timer to get 25 PP), and all the guides have Prussia formed around 1500 or so, while in real life it was 1701. How OP do I need to be?

  3. Use the lull to stay up-to-date with tech, or fall behind a bit to develop Berlin up to 25/30 for the mission/age goal?

  4. Further off questions: when best to switch to Prussia tag? To Germany? Best to dismantle HRE, or just leave to it so the remnant can still balance France/Poland?

Thanks all.

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u/AquaRegiaAg — 1 month ago
▲ 4 r/eu4

Any Recent Purchases of Ultimate Bundle on GOG.com?

Just checking to see if there are any issues purchasing the Ultimate Bundle on GOG.com. The description says "includes most DLC" and specifically mentions Winds of Change, but the detailed listing of DLC omits that one. I found a Paradox Forum post from 2025 noting a similar thing with King of Kings, but nothing more recent than that.

So, can anyone around these parts confirm one way or the other if Winds of Change is included from GOG, or do I need to hope that Steam goes below $90 for the upcoming Summer Sale.

Thanks!

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u/AquaRegiaAg — 2 months ago
▲ 1 r/eu4

Question about forming a Japanese Republic

First time playing in Japan, started as Oda, and have done a pretty decent job taking over the country, albeit slowly. It's just after 1500 and the only province left is Ashikaga in Kyoto. I want to make sure the plan I have can work before committing with the Ironman save.

When taking over Kyoto, it sounds like I'll get a choice to become Shogun (but why with no daimyo left?) or abolish that. I'm assuming that means I'l lbe given a Monarchy government in its place. Is this correct?

After that, I believe there is a Tier 6 reform that should let me switch to a Republic. Is this correct? Are there any Idea groups or privileges that I need to avoid that could block this?

If any of my assumptions are wrong, is there another / better way to do this? Minimal DLC, so assume vanilla if in doubt.

Thanks all.

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u/AquaRegiaAg — 2 months ago