https://www.investopedia.com/ask/answers/05/waitingperiodroth.asp#:~:text=The%20first%20Roth%20IRA%20five,IRA%20you%20own3%EF%BB%BF 5-Year Rule for Roth IRA Conversions The second five-year rule determines whether the distribution of principal from the conversion of a traditional IRA or a traditional 401(k) to a Roth IRA is penalty-free. (Remember, you're supposed to pay taxes when you convert from the pre-tax-funded account to the Roth.) As with contributions, the five-year rule for Roth conversions uses tax years, but the conversion must occur by Dec. 31 of the calendar year.4 For instance, if you converted your traditional IRA to a Roth IRA in Nov. 2019, your five-year period begins Jan. 1, 2019. But if you did it in Feb. 2020, the five-year period begins Jan. 1, 2020. Don't get this mixed up with the extra months' allowance you have to make a direct contribution to your Roth. Each conversion has its own five-year period. For instance, if you converted your traditional IRA to a Roth IRA in 2018, the five-year period for those converted assets began Jan. 1, 2018. If you later convert other traditional IRA assets to a Roth IRA in 2019, the five-year period for those assets begins Jan. 1, 2019. It's a bit head-spinning, admittedly. To determine whether you are affected by this five-year rule, you need to consider whether the funds you now want to withdraw include converted assets, and if so, what year those conversions were made. Try to keep this rule-of-thumb in mind: IRS ordering rules stipulate that the oldest conversions are withdrawn first. The order of withdrawals for Roth IRAs are contributions first, followed by conversions, and then earnings.
放一些在分红好的股票，再花点时间研究高成长的
Asset没用,还是要看有多少income。否则捧个自家传家宝贝字画啥的有asset也不能当饭吃啊。
上华人问那就是自个找不痛快，多少都不够的！
其实就是想看看大家有什么想法。层主这样说实在是很没意思。
这个同意，身体健康是最大的asset.
地区差异，消费习惯差异，导致不同家庭的标准差还挺大的，楼主你觉得需要多少财产算财务自由呢？
高成长股也可以卖啊。如果成长10%每年，取4%，那么不还有6%的净增长。
其实财富自由没有地区差异。财富自由后完全可以去低消费地区享受人生。没人逼着要在高消费地区烧钱。
我在12楼已经说了，感觉需要3到5米，所以觉得非常困难。
妹子芳龄几何？要介绍对象吗
同不明白。
Asset难道都一直存着吗？存到啥时候？存给谁呢？孩子？前几天从班上学来的词-人在天堂钱在银行。说的就是这境界？
暂时不需要😂 目前这个还蛮合适的
不是呀，我的计划就是老了以后搞个reverse mortgage，花到死正好银行把房子收回去。
以后有了孩子估计这样退不了啊
又开始了 又开始了么
你除了自住房另外有2米，应该不需要reverse mortgage了。passive income从这2米有8万，加上两口子SSN5-6万。应该够了。
不会要孩子的。没这个考虑了
定义一下“乱花钱”
那你给算个准数到底要多少
突然想起来去看看养老金最近涨了没😂
这个看个人了，有长期病，事事都要雇人做，喜欢买奢侈品的，sky is the limit。身体健康，比较handy，也没有什么攀比虚荣心的，1mil per person就足够了，3%利息，房子付清，一个月有三千块能过得很好了。
还不能包括401K
5-Year Rule for Roth IRA Conversions The second five-year rule determines whether the distribution of principal from the conversion of a traditional IRA or a traditional 401(k) to a Roth IRA is penalty-free. (Remember, you're supposed to pay taxes when you convert from the pre-tax-funded account to the Roth.) As with contributions, the five-year rule for Roth conversions uses tax years, but the conversion must occur by Dec. 31 of the calendar year.4 For instance, if you converted your traditional IRA to a Roth IRA in Nov. 2019, your five-year period begins Jan. 1, 2019. But if you did it in Feb. 2020, the five-year period begins Jan. 1, 2020. Don't get this mixed up with the extra months' allowance you have to make a direct contribution to your Roth. Each conversion has its own five-year period. For instance, if you converted your traditional IRA to a Roth IRA in 2018, the five-year period for those converted assets began Jan. 1, 2018. If you later convert other traditional IRA assets to a Roth IRA in 2019, the five-year period for those assets begins Jan. 1, 2019. It's a bit head-spinning, admittedly. To determine whether you are affected by this five-year rule, you need to consider whether the funds you now want to withdraw include converted assets, and if so, what year those conversions were made. Try to keep this rule-of-thumb in mind: IRS ordering rules stipulate that the oldest conversions are withdrawn first. The order of withdrawals for Roth IRAs are contributions first, followed by conversions, and then earnings.
绝对不可以卖，卖了发现过两天翻倍了，要气得发心脏病的。