Thank you very much for sharing this level of detail. It is actually the sort of information I am looking for. I have IRA and ROTH IRA too and you are not the first to suggest such an annual, planned conversion. Also, I have been reading in various c...

Well, I am actually being too pessimistic to consider a Tax Credit Subsidy at this time. Maybe I will change my mind later. Since I will have quite working my income will be very low. I do some adjunct teaching which I plan to continue, so I expect a...

Thank you for sharing the links and the prices you paid and for what coverage. That helps me. I feel even five years out my current $1400/month forecast for out of pocket premium costs is unlikely to be found to be too low.

I believe I would be over-thinking this if I am making a projection and not revisiting it. Like I said, I am reviewing it annually. I actually review my budget models twice per month and then recalibrate each input after one year, based on new knowle...

I may be a bit more pessimistic than you. I am six years away from the target retirement date and there will be changes I plan and adjust at least once per year.