Another year gone, and not a moment too soon.
I ended up doing a modestly-sized Roth IRA conversion after all. Since I can claim the FEIE this year to exclude my earned income in Japan, that leaves me with some tax-free space from my standard deduction with which to do Roth conversions. I did my best to estimate my conversion amount to completely fill up the tax-free space, but I'll find out for sure once I file my taxes in a couple months.
Here's hoping that this year will be better than 2020!
Here's my December expenses:
|Internet||$52.77||First year promotional rate ended, now paying full price :(|
|Shopping||$47.64||Amazon Prime renewal|
|Gross Income||$5,799.92||Salary + Q4 dividends|
|Net Worth||$381,267.65||Market keeps going up...?|
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 6 years, 0 months.