The Way Stuff Works

You Want to Move Where?

“What will you do about healthcare in early retirement?” “I’ll just move to a country that has it all figured out.” “Are you sure your nest egg is large enough?” “Yep. I’m going to move to a country with a much lower cost of living and live like a king […]

Pretirement: A Review

Ever wished that your purse contained a countdown clock to the date you will be financially independent? Ever asked yourself whether making the effort to save an additional $20/month is really worth it? Ever tried to convince a recalcitrant spouse that buying avocado toast twice a week really is going […]

supplemental income tax

Are Your RSUs Messing With Your Taxes?

The BITA household is a simple place as far as taxes are concerned. We are a pair of W-2 employees. We generate no income outside of our jobs. We own one house and we live in it. We receive some interest from our bank accounts, and some dividends from our […]

LTCG roth conversions tax gain harvesting

Long Term Capital Gains, Roth Conversions and Harvesting Gains

In my previous post we covered how long term capital gains are calculated, and I made available an excel sheet that allows you to play with the numbers. In today’s post we are going to pick up where we left off and explore the following topics: How Roth conversions affect […]

taxation long term capital gains

Understanding Taxation of Long Term Capital Gains

In early retirement we plan to live off of our investments. This means that our primary sources of income are going to be long term capital gains and, to a lesser extent, dividends. It therefore behooves us to understand precisely how taxation of long term capital gains works in the […]

4 percent rule

Have you ever asked yourself: 4% of What?

The Trinity Study and the 4 percent rule of safe withdrawal form the bedrock of the financial independence and early retirement movement. If we did not believe that there exists some safe withdrawal rate that offers us a high probability of success should we choose to subsist off of the […]

What might the AHCA mean for Early Retirement?

The new administration has unveiled the American Health Care Act (AHCA. Really? Was it that hard to come up with a name that abbreviated to something significantly different than ACA? Make America Well Again? Second Time’s A Charm?). AHCA is a proposal for an Obamacare replacement. It has a long […]

Personal Capital Security Explained

Personal Capital Security Explained, Part 2

In part 1 of this post we covered some basics of cryptography. This post is going to make many references to part 1, so if you haven’t read part 1, proceed at your own peril. We’re now going to build on the basics to understand how Personal Capital solves two […]

Personal Capital Security Explained

Personal Capital Security Explained

I see you now, eyes steely with determination, mouth set in a grim line. You march towards your finances, resolve in your soul. You will not take no for an answer. You will master those numbers. They will bend to your will. You will make them set you free. The […]