u/RetireYoung72

Been watching videos and reading reviews about Bolden, ProjectionLab, Pralana.

Sure, I have scenarios in mind:

• retire at 55
• retire at 59.5
• retire at 60 (bonuses are paid in q1)
• retire at 62 - if the market takes a big hit

Sure, I’ve read about ACA (400 %), IIRMA, required distributions.

But, I’m looking for a program that will tell me what I’m not thinking about.

And yes, I want to think about potential windfalls like suddenly a big real estate inheritance or heck, even a 60k inheritance.

What program do you recommend to start?

I get the concept of selling from a taxable brokerage account because if your income is 0, then you pay 0% gain.

But, if what if you quit mid year? I’d have half a year salary and bonus from prior year.

Why not just withdraw like 100k from 401k pay the 22% tax (no penalty as I’d be 55). Sock it away for another year. Then keep it below 80k for ACA in following years.

Basically, pay the piper immediately!