If you retire before 59½ with most of your money locked in a traditional IRA or 401(k), you run into an awkward problem: the money is there, but reaching it normally means a 10% early-withdrawal penalty on top of income tax. The Roth conversion ladder is the classic FIRE workaround, and it is the setup for everything else I want to write about in this series.
Continue reading “The Roth Conversion Ladder (and Its Blind Spot)”Tag: FIRE
Barista FIRE vs Coast FIRE: Which Half-Exit Fits You?
I retired early, and I still work — which sounds like a contradiction until you learn the vocabulary. The FIRE movement splits the “quit your job before 65” idea into flavors, and the two that generate the most confusion are barista FIRE vs coast FIRE. Both are half-exits: you leave the career, but you don’t fully unplug from income or from math. The difference between them is what does the heavy lifting afterwards — your part-time paycheck, or compound growth you banked years earlier. Having lived on the far side of this decision for over a decade (boss-free, but rarely idle), here’s how I’d explain the two to a friend deciding which door to take.
Selling Tradelines Update: Five Years, $30K Later
When I wrote the first version of this post I had sold 59 tradelines and was somewhere between encouraged and beaten up. eBay had just banned me. Bank of America had just closed my $40,000 card. The direct sales experiment was going nowhere fast (it never did recover — I have since shut the store down for good). I called it “year three” even though I kept going.
This is the update. It’s been about five years now, 241 tradelines, $30,603 in commissions. The eBay ban still stings when I look at the data. The BoA closure still stings more. But the numbers are growing and I have enough of them now to actually say something interesting — so here we go.
The Full Circle: How I Set Up My Tradeline Business to Run Itself
People who sell tradelines don’t talk about the setup much. Most of the content out there is aimed at buyers — how tradelines work, how much they cost, whether they’re worth it. But the seller side has its own logic, and once I had it figured out I realized the whole thing clicks together in a way I didn’t plan for. The most common questions I get are from buyers, but sellers are starting to find me too, and this post is for them.
Continue reading “The Full Circle: How I Set Up My Tradeline Business to Run Itself”Twenty Years of Models, One at a Time
I’ve been doing operations research for over 20 years. Most of what I’ve built is locked inside Excel files on a hard drive. Not because Excel is where OR models belong — it isn’t, really — but because that’s where the data was, that’s where the clients were, and that’s what worked at the time.
The backlog is real. Staff scheduling, vehicle routing, warehouse slotting, least-cost formulation, a few others. Each one took months to build and calibrate. Each one is doing nothing right now except existing as a .xlsm file.
