I Retired at 55: My Lazy Retirement Investing Plan скачать в хорошем качестве

I Retired at 55: My Lazy Retirement Investing Plan

My lazy retirement investing plan for early retirement: a simple index fund retirement portfolio using VTI, VOO, VUG, VIG, and VYM, withdrawal rate guardrails, a 2–4 year cash liquidity runway, and tax-smart Roth conversions while managing MAGI for ACA and IRMAA. Ready for a “do less, retire better” portfolio? I'll walk through my lazy retirement investing plan—built for early retirees and anyone who wants a low-maintenance, rules-based retirement approach that’s diversified, tax-smart, and actually livable. We’ll set up a 3-category index portfolio, place assets for taxes, build a 2–4 year cash runway for bear markets, and use flexible withdrawal guardrails so you can sleep at night and still enjoy life. What you’ll learn: • The “lazy” portfolio (Foundational, Growth, Income) and why boring wins long-term • Examples to research: VTI/VOO (core), VUG (growth), VIG/VYM (dividends) • How to set your mix and rebalance (±5% bands / annual check-in) • Smart tax placement: ETFs in taxable, bonds/REITs in tax-advantaged, avoid surprise cap gains from index mutual funds in taxable • Building a 2–4 year liquidity runway (cash, CDs, short-duration TIPS) • Choosing a starting withdrawal rate (e.g., ~3% for longer retirements) + ±20% guardrails • Practical withdrawal order (taxable → traditional → Roth) • Roth conversions: when they can make sense and how to manage MAGI for ACA subsidies pre-65 and IRMAA after 65 • The annual tune-up: rebalance, refill runway, run a tax/MAGI check, adjust withdrawals, and basic account hygiene 💬 Your turn: What’s one change you’re going to make to your retirement investing plan after watching this—adjust your fund mix, build a 2–4 year cash runway, or revisit your withdrawal rate? Drop it in the comments! Resources Mentioned in This Video: 📺I LOST $17K in Taxes from THIS Investing Mistake!    • I LOST $17K in Taxes from THIS Investing M...   📊 Department of Health and Human Services 2025 FPL Levels: https://aspe.hhs.gov/sites/default/fi... 📊 FREE MAGI Estimator. This was made after this video, so was not mentioned, but I've created an ACA MAGI estimator (Excel) that is free to download that you can use to estimate your MAGI. Click here to download: https://payhip.com/b/BsTwX ✅ FREE Early Retirement Planning Checklist Whether you're just getting started or refining your plan, this free guide will help you take the next step! Download my free 12-step early retirement planning checklist—a practical, easy-to-follow guide that walks you through everything from calculating your FIRE number to building a tax-efficient withdrawal strategy. 👉 Get your free checklist here: https://payhip.com/b/IBj3q I created this to help others like you pursue financial independence and retire on your own terms and as a thank you to my viewers. Whether your years away or almost ready, this checklist will help you retire smarter and sooner, and is the perfect companion to everything I share on this channel. 💼 My Favorite Retirement Planning Tool, and that I mentioned in this video! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirement... Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ DISCLAIMER: This video is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #EarlyRetirement #LazyInvestor #IndexInvesting #RetireEarly #RetirementPlanning Timestamps: 00:00 - Intro – Lazy Retirement Investing 01:09 - Why Index Funds Win 01:52 – 3 Category Portfolio: Foundational, Growth & Income 02:20 - ETF Examples: VTI, VOO, VUG, VIG, VYM 02:50 - Setting Your Mix by Risk & Age 03:28 - Tax-Smart Account Placement in Retirement 04:59 - 2–4 Year Cash Runway for Bear Markets 05:52 - Safe Withdrawal Rate & Guardrails 07:32 - Withdrawal Order: Taxable, IRA, Roth 07:58 - Roth Conversions, ACA Subsidies & IRMAA Traps 08:26 - Annual Retirement Tune-Up Checklist 08:51- Manage MAGI Quarterly If Enhanced Subsidies Not Extended 10:05 - MAGI Calculator, Free Guide & Wrap Up