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)”
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Personal blog on early retirement, selling tradelines, and analytics projects. I write about what I learn as I am learning it.