The 0% capital gains bracket is one of the most underused tools in early retirement. "Taxable income" is what's left after deductions, and the gain itself counts toward it. With the 2026 standard deduction, a married couple could have up to about $131,100* of total income, gains included, and

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Spending $95,000 a year in retirement doesn't mean you have to report $95,000 of income. It all depends on where the money comes from. Some withdrawals count as income, like dividends and gains on investments you sell. Others don't, like cash savings and money you put into a Roth. Pull fr

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Health insurance is one of the big things that stops people from retiring when they want. Make sure you know your options and run the numbers to see what makes the most sense. Here are some tips: 📌 COBRA you have to enroll and elect this after you leave your employer and you have to do so within

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Most retirement planning starts with one question: "how much do I need to save?" But that number isn't fixed. It's a multiple of what your life costs. The goal isn't the biggest portfolio possible. It's a life that doesn't need one. 📌 Every dollar you spend each year in retirement ne

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Roth conversion ladders... one of the many strategies people can use to be able to access funds for an early retirement. A couple of things you need to know. 📌This is not the only way to create bridge income for an early retirement you can also just save and spend down a brokerage account 📌Ther

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A late start investing 🚫 failure Starting earlier is powerful. But “start as young as possible” sometimes gets turned into “if you didn’t maximize your 20s financially, you messed up.” I don’t agree. Your starting age is only one part of the equation. Someone who starts investin

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3 things financial advisors wont tell you...(from a financial advisor) 1. They are getting paid bank on selling you insurance products especially certain types of annuities. IT doesn't mean all annuities are bad but you need to do your research to figure out fees, surrender periods, & if the ad

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Brokerage account basics (investments pt 2) lesson 4 How to evaluate your own investment picks for your brokerage account. These are the three things I pay attention to. 📍Dividend yield - I'm not saying dividend ETFs are super bad in a brokerage account (before I get all the SCHD comment

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Brokerage account basics (investments) lesson 3 When I invest in my brokerage account I am looking for higher growth investments. Mainly because I have a higher risk tolerance and a longer time horizon, but also because they tend to be more tax efficient. Typically I will focus on index f

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Brokerage account basics (Taxes) Lesson 2 Don't let the taxes scare you away from investing in a brokerage account. This video covers the very basics of dividends, interest, capital gains distributions, short term capital gains, and long term capital gains. There ARE some nuances... 📍Some

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Brokerage account (account) types...lesson 1 Brokerage accounts (aka non-retirement accounts) *ppl use these terms interchangeably are accounts used to fund any type of goal you might have 📌You may want to use one if you have a savings goal that is greater than 5 years out (most people w

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1. Suppose you had $100 in a savings account and the interest rate was 2%per year. After 5 years, how much do you think you would have in the account if you left the money to grow? a. More than $102 b. Exactly $102 c. Less than $102 d. Do not know e. Refuse to answer 2. Imagine that the

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1. compound growth - what is what you are investing now going to be worth later? 2. real return - are you actually getting rich? or is inflation eating away at your money 3. opportunity cost - everything has a second price tag 4. target retirement portfolio - what amount do you need to suppo

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Non-Traditional Retirement ➡️ career breaks, reinventions, taking a chance on yourself, transitioning to part time, retiring early, gap years, taking time of to be with family…basically taking back control of your time What are your honest thoughts on this?? I surveyed my audience and 73% of p

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Retirement could look wild in 2045 make sure to plan accordingly ✨ #retirementplanning retire early, mini retirement, AI and retirement, millennial

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Would you rather have a one fund simple investment portfolio by using an ETF like VT or would you rather use multiple ETFs like VTI and VXUS to create more control within your portfolio? Let me know in the comments!

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Start to use Roth IRAs more strategically. Let me make it clear all of these levels are better than taking no action at all and some things may not apply to all people! Let me know what level you're at in the comments 👇 Basic - You opened a Roth IRA (or maybe you are about to) & yo

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Brokerage account mistakes Let me know which ones you want in more detail! #investingforbeginners #taxplanning #financialliteracy

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I need to invest my extra cash... I'm great at making to-do-lists. I'm not great at finishing them. If thats you too join me in the August Audit & hold yourself accountable to actually closing out all of your open loops. We all need to take back more money, time, & brain space ✨ Comment L

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4 *first* steps to figuring out your financial freedom Apply these general frameworks to your own income, expenses, and financial plan education only #financialplanning #financialfreedom

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Mallory, CFP® Personal Finance