<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
  xmlns:atom="http://www.w3.org/2005/Atom"
  xmlns:dc="http://purl.org/dc/elements/1.1/">
  <channel>
    <title>CoastIQ Blog</title>
    <link>https://coastiq.org/blog</link>
    <description>Tax-accurate retirement calculator with Monte Carlo simulation, Roth conversion optimization, and 17 analysis tools.</description>
    <language>en-US</language>
    <lastBuildDate>Thu, 04 Jun 2026 00:00:00 GMT</lastBuildDate>
    <managingEditor>support@coastiq.org (CoastIQ)</managingEditor>
    <atom:link href="https://coastiq.org/feed.xml" rel="self" type="application/rss+xml"/>
    
    <item>
      <title><![CDATA[Retirement Tax Planning: 7 Strategies to Keep More]]></title>
      <link>https://coastiq.org/blog/post/retirement-tax-planning</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/retirement-tax-planning</guid>
      <description><![CDATA[These 7 retirement tax strategies interact — a Roth conversion changes your ACA subsidies, IRMAA, and Social Security taxation simultaneously. Here's the sequencing most advice misses.]]></description>
      <pubDate>Thu, 04 Jun 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[CoastIQ Team]]></dc:creator>
      <category><![CDATA[Tax Optimization]]></category>
    </item>
    <item>
      <title><![CDATA[The 4% Rule Is Wrong: What Monte Carlo Shows]]></title>
      <link>https://coastiq.org/blog/post/4-percent-rule-retirement</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/4-percent-rule-retirement</guid>
      <description><![CDATA[The 4% rule was designed for 30-year retirements. Monte Carlo simulation shows a 15-20% failure rate over 50 years. Here's what actually works for early retirees.]]></description>
      <pubDate>Tue, 02 Jun 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[CoastIQ Team]]></dc:creator>
      <category><![CDATA[FIRE Planning]]></category>
    </item>
    <item>
      <title><![CDATA[Tax-Efficient Retirement Withdrawal Strategies]]></title>
      <link>https://coastiq.org/blog/post/tax-efficient-withdrawal</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/tax-efficient-withdrawal</guid>
      <description><![CDATA[The optimal withdrawal strategy combines taxable account spending with Roth conversions to fill low tax brackets — saving $100,000–300,000+ vs. the conventional sequential approach.]]></description>
      <pubDate>Tue, 21 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Withdrawal Strategies]]></category>
    </item>
    <item>
      <title><![CDATA[How Much Do I Need to Retire? A Tax-Accurate Answer]]></title>
      <link>https://coastiq.org/blog/post/how-much-to-retire</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/how-much-to-retire</guid>
      <description><![CDATA[The 25x rule ignores taxes. A single filer spending $60K/year needs $1.65-1.84M from a Traditional 401(k) — not $1.5M. Here's the real math.]]></description>
      <pubDate>Mon, 20 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[FIRE Planning]]></category>
    </item>
    <item>
      <title><![CDATA[Inherited IRA RMD: Rules for Beneficiaries]]></title>
      <link>https://coastiq.org/blog/post/inherited-ira-rmd</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/inherited-ira-rmd</guid>
      <description><![CDATA[Most non-spouse beneficiaries must empty inherited IRAs within 10 years. If the original owner died after starting RMDs, annual distributions are required — effective 2025.]]></description>
      <pubDate>Mon, 20 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Tax Optimization]]></category>
    </item>
    <item>
      <title><![CDATA[Roth Conversion Calculator: How Much to Convert]]></title>
      <link>https://coastiq.org/blog/post/roth-conversion-calculator</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/roth-conversion-calculator</guid>
      <description><![CDATA[The optimal Roth conversion fills your lowest brackets without triggering ACA, IRMAA, or Social Security penalties. Here's the exact math.]]></description>
      <pubDate>Mon, 20 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Tax Optimization]]></category>
    </item>
    <item>
      <title><![CDATA[When to Claim Social Security: Break-Even Analysis]]></title>
      <link>https://coastiq.org/blog/post/when-to-claim-social-security</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/when-to-claim-social-security</guid>
      <description><![CDATA[The pre-tax break-even for claiming SS at 62 vs. 70 is age 80. After accounting for how benefits interact with other income for taxes, that number shifts by 6-12 months.]]></description>
      <pubDate>Mon, 20 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Social Security]]></category>
    </item>
    <item>
      <title><![CDATA[RMD Calculator: Required Minimum Distributions Explained]]></title>
      <link>https://coastiq.org/blog/post/rmd-calculator</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/rmd-calculator</guid>
      <description><![CDATA[Divide your December 31 account balance by the IRS Uniform Lifetime Table factor for your age. At 73, the factor is 26.5 — a $500K IRA owes an $18,868 RMD.]]></description>
      <pubDate>Sun, 19 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Tax Optimization]]></category>
    </item>
    <item>
      <title><![CDATA[Coast FIRE Calculator: When Can You Stop Saving?]]></title>
      <link>https://coastiq.org/blog/post/coast-fire-calculator</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/coast-fire-calculator</guid>
      <description><![CDATA[Coast FIRE is the point where your existing investments will grow to cover retirement without additional contributions. Here's how to calculate yours.]]></description>
      <pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[FIRE Planning]]></category>
    </item>
    <item>
      <title><![CDATA[Roth Conversion Ladder: Complete Guide for Early Retirees]]></title>
      <link>https://coastiq.org/blog/post/roth-conversion-ladder</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/roth-conversion-ladder</guid>
      <description><![CDATA[A Roth conversion ladder lets you access pre-tax retirement funds before 59½ without penalties. Here's the strategy, the math, and the tax traps to avoid.]]></description>
      <pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Tax Optimization]]></category>
    </item>
    <item>
      <title><![CDATA[Why Most Retirement Calculators Get Taxes Wrong]]></title>
      <link>https://coastiq.org/blog/post/why-retirement-calculators-get-taxes-wrong</link>
      <guid isPermaLink="true">https://coastiq.org/blog/post/why-retirement-calculators-get-taxes-wrong</guid>
      <description><![CDATA[Most retirement calculators use flat tax rates or ignore taxes entirely. Here's what they miss and why it costs you tens of thousands in bad planning.]]></description>
      <pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate>
      <dc:creator><![CDATA[Vladimir Kuzin]]></dc:creator>
      <category><![CDATA[Tools & Comparisons]]></category>
    </item>
  </channel>
</rss>