That makes a lot of sense. Appreciate the sanity check.

Planning to sell in taxable this year to raise cash so I can max out traditional 401k. Will be all long term capital gain and my calculations have me wringing out a few extra thousand in tax savings. Trick is going to be selling and buying (similar but different indices) at the same time to stay in the market since workplace doesn't always buy precisely on payday and taxable holdings are all ETFs (versus mutual funds in 401k). More trouble than it's worth? Wish I made enough to max out without selling, but that's a topic for another day.

Depends on the school.

I will probably just keep working and saving to maximize the chances that my kid never has to answer to a boss for shelter, food, and health.

But after achieving FI, work should take on a new feel since my family and I won't depend on it to survive.

I can see where you're coming from. Those year-end distributions don't give you much time before the 12/31 conversion deadline.

I tried this a few weeks ago and it was pretty easy. A few clicks and the conversion was in progress.

I find the temporary containers extension essential. Set automatic mode and forget.

this is the portable solution

should i buy VTI or VOO?