Blog
Notes on retirement planning, tax strategy, and the math behind getting to financial independence.
- ·6 min read
Coast FIRE vs. Barista FIRE: Which Semi-Retirement Strategy Fits Your Numbers?
Two strategies for leaving the career treadmill before 65 — one asks for less money but more patience, the other buys you an exit now. Here's the math that separates them.
early-retirementfirestrategy - ·3 min read
The ACA Subsidy Cliff Is Back in 2026. Early Retirees Need a MAGI Budget.
The 400% FPL cliff returned when the enhanced credits expired — one dollar of extra income can cost thousands in premium subsidies. Here's the math and the playbook.
healthcaretaxesearly-retirement - ·3 min read
How Long Will $1.5 Million Last in Retirement? Longer Than You Fear, Shorter Than You Hope
The honest math on a $1.5M retirement: what the 4% rule says, what Social Security changes, and the one risk averages hide.
withdrawal-strategyplanning - ·3 min read
Rule of 55 vs. Roth Conversion Ladder: Which Bridge Gets You to 59½?
Two legal ways to spend retirement money before 59½ — and the rollover mistake that quietly closes the better door.
early-retirementtaxesstrategy - ·1 min read
Welcome to Granary
What this is, why I built it, and how it differs from the existing tools.
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