How the hell are we supposed to retire?

Oops. Looks like I misread the 2025 HSA limits ($4300 + $1000 catch-up), although I did think it was possible so I'm not surprised. I thought (hoped) the $1000 catch-up would apply to me since I turned 55 this year so I had set my paycheck withdraw amount to hit the $5300 number, but apparently you have to start the year at age 55... so I hit the $4300 max contribution limit with today's paycheck. Oh well...

My plan is to keep building up my HSA account to pay for post-retirement medical expenses.
 
Any recommendation on software/service that helps on IRA to ROTH conversion plans or even a cfa/cfp that will help without trying to sell me products that folks can recommend. Hoping to retire in 4 yrs, while wife is going to retire in 7yrs so we have health coverage. It would also be helpful if the cfa/cfp are tax advisor to see if conversion should start now or after I retire.
 
dvaidya said:
Any recommendation on software/service that helps on IRA to ROTH conversion plans or even a cfa/cfp that will help without trying to sell me products that folks can recommend. Hoping to retire in 4 yrs, while wife is going to retire in 7yrs so we have health coverage. It would also be helpful if the cfa/cfp are tax advisor to see if conversion should start now or after I retire.
Click to expand...

@thegock

You need to take advantage of low income time, so there will be math!
 
dvaidya said:
Any recommendation on software/service that helps on IRA to ROTH conversion plans or even a cfa/cfp that will help without trying to sell me products that folks can recommend. Hoping to retire in 4 yrs, while wife is going to retire in 7yrs so we have health coverage. It would also be helpful if the cfa/cfp are tax advisor to see if conversion should start now or after I retire.
Click to expand...
Patrick said:
@thegock

You need to take advantage of low income time, so there will be math!
Click to expand...

The math portion is what has me somewhat comfortable using the CFA. For anybody using the public marketplace for health insurance if they don't extend the ACA subsidies the cost difference is huge. We aren't yet, but planned on using it once my wife retires next year. Now that the gov't subsidies have not been renewed our monthly expense would jump to about $2500 for the same coverage. If we can play with the taxable income reported that number can come way down and I figure they have a better handle on how to do this the right way.
 
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