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Dheeraj Nagpal

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Achieve Financial Independence and Retire Early
Early Retirement
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Hartford, Connecticut, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

We have discussed at length about Roth IRA and about the conversion of traditional IRA to Roth IRA. There are several benefits of conversion and in a low tax atmosphere, it becomes an interesting proposition for many. When you convert a 401(k)... ...
Posted: Mar 27 2018 @ 6:40 PM
We have heard about Backdoor Roth and it is now a popular strategy. Even I have spoken about it as well as Mega Backdoor Roth before but there is one aspect that stumps most people interested in backdoor Roth approach and sometimes even makes the... ...
Posted: Mar 23 2018 @ 5:51 PM
There is a strategy, not as common as backdoor Roth but allows in some cases up to 36,000 to be saved in Roth IRA in a year. ...
Posted: Mar 17 2018 @ 4:17 PM
The IRS announced the contribution and income limits for the 2018 calendar year. For 2018, these limits are: Contribution Limits Unchanged The total amount you can contribute to either a Roth IRA or a Traditional IRA remains unchanged at $5,500. People 50 and over can... ...
Posted: Mar 11 2018 @ 4:40 PM
A Roth backdoor entry is a bypass to get around income limits to participate in Roth IRA. The other key aspect of this backdoor is that there are no conversion limits so you can convert any amount as long as it is... ...
Posted: Mar 11 2018 @ 12:20 AM
I started my career in the US in an offshore based system integrator where a majority of the people working were on H1-B visas. The six years, that I worked there, I use to wonder why most of the expats in the... ...
Posted: Dec 04 2017 @ 3:24 PM
Many HSA advocates recommend funding an HSA before an IRA. There are several reasons to recommend this strategy but is this a rule of thumb applicable to all' Let’s evaluate An HSA offers triple tax breaks. Money goes in rax-free, grows tax-deferred and withdrawals... ...
Posted: Nov 10 2017 @ 8:29 AM
RMD is the minimum amount that the US Govt forces you to withdraw from your pre-tax accounts (401k or IRA) annually once you have reached an age of 70 1/2. You can always withdraw more than the required minimum but withdrawing less... ...
Posted: Nov 10 2017 @ 8:17 AM
I noticed something had changed on the TransUnion website about freezing credit this morning when I was giving links to family so they could freeze theirs. I froze my credit the day after news about the Equifax breach broke, and it looks... ...
Posted: Sep 13 2017 @ 4:49 PM
FIRE refers to Financial Independence and Retiring Early. Financial independence refers to having enough money that you can stop working or money. It doesn’t mean that you cannot work but it means that you are no longer dependent on your job (of... ...
Posted: Jul 09 2017 @ 10:28 PM


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