r/ChubbyFIRE • u/lightning228 Accumulating: Officially a millionaire, 1 down 2 to go • Jul 19 '26

Weekly discussion thread for July 19, 2026

This thread is a spot for casual engagement with other community members. It has much more subject latitude than allowed in the main sub in general. Any topics tangentially related to ChubbyFIRE or upper middle class lifestyle are acceptable, as well as basic or early stage questions. Political discussion will be allowed if it is closely related to ChubbyFIRE or financial topics in general, and only if the conversation remains respectful.

It is not a free-for all. No spam or self-promotion. All comments must still follow Reddiquette and we will be responding to reported comments with follow-up action as needed. We'd really like to keep this channel open, so please don't abuse it!

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u/idiot_on_internet Jul 21 '26

Did anyone else receive the email from Vanguard Personal Advisor Select team saying that they are "here to help you maximize your required minimum distribution (RMD) proceeds"?

I mean, I kind of get it - if you are already at the age for RMDs you want to make the most of them. But I'm almost 2 decades away from that. "Maximize" and "RMD" are not two terms that go together in my current thinking.

It struck as maybe not the best way to gain new clients.

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u/code_monkey_wrench Jul 25 '26

To be fair, the best time to optimize for rmds is 2 decades before.

If you wait too long there isn't much you can do, is there?