Kurt Miller

Supply chain engineer targeting FIRE by 48. 🏎️📈

In racing, the apex gives maximum exit speed. In finance, it’s the number that lets you coast.

[Kurt Miller @HitTheFIApex]

Hitting the Apex: The engineering approach to Coast FIRE. 🏎️📈
Most personal finance advice is designed for people who can't do math. This account is for the operators.
I'm a supply chain engineer targeting early retirement by 48. Here is the playbook. 🧵👇

[Kurt Miller @HitTheFIApex]

@TheSavvyCouple Still driving a 14-yr old car here! 🤞 People definitely judge when they see me plug my iPod shuffle in. 😂

[Kurt Miller @HitTheFIApex]

The Belgian Grand Prix weekend officially kicks off today. 🏎️

Practices start shortly, qualifying tomorrow, lights out on Sunday.

In F1, qualifying is everything. You put in maximum effort upfront to secure the best track position. Once the race starts, you trust the setup and let momentum take over.

That is my exact plan for FIRE.

Grinding hard now to hit my Coast number and getting the best possible set-up and position for the race.

Hoping Hamilton can grab another podium this weekend and pass Russell in the standings. Who are you taking to win?

#F1 #BelgianGP #CoastFIRE #PersonalFinance

[Kurt Miller @HitTheFIApex]

@Silent_stackers No problem going back to the 401k after other accounts filled (HSA, Roth IRA, etc). It all depends on your personal plan at that point like whether or not you will need bridge funds to live off of before retirement accts become accessible.

[Kurt Miller @HitTheFIApex]

@Silent_stackers 100% agree with going up to the employer match than working on filling up the other buckets! However, don't forget about the Rule of 55 that allows you to access 401k funds with your current employer the year you turn 55.

[Kurt Miller @HitTheFIApex]

@YodaStockInvest Typically once a month.

[Kurt Miller @HitTheFIApex]

We shouldn’t have to pay capital gains tax until the money actually leaves the brokerage account.

​If you sell to rebalance and immediately reinvest, that cash never hits your bank account - yet the IRS still taxes the transaction.

​Simple portfolio maintenance shouldn’t trigger a tax penalty.

​#Investing #PersonalFinance #ChangeMyMind #stocks

[Kurt Miller @HitTheFIApex]

@NotA_Bull Exactly!

https://t.co/iSDKoch1Oi

[Kurt Miller @HitTheFIApex]

You know what they say:

Weekly DCA keeps the FOMO away!

What positions are you adding to this week?

[Kurt Miller @HitTheFIApex]

The biggest 401(k) mistake isn't picking the wrong funds.

It's picking no funds at all.

I see this story constantly on places like Reddit: People contribute part of their paycheck for years, assuming their wealth is growing.

Reality? The money is just sitting uninvested in a cash settlement account. Zero compounding.

Take 5 minutes today to verify your actual asset allocation. Have you ever seen this happen to a friend or coworker?

#PersonalFinance #401k #Investing

[Kurt Miller @HitTheFIApex]

It comes down to the timeline. If this is long-term money you won't need anytime soon, the $12k lump sum is the way to go. If it could potentially be needed for an emergency or other use, DCA it.

Vanguard studies show that lump-sum investing beats DCA about 68% of the time because you get compounding working for you immediately.

DCA is perfect for your regular monthly paycheck, but if you already have the cash sitting there, drop it in and let it go to work today.

[Kurt Miller @HitTheFIApex]

Mid-month paychecks hit today or tomorrow.

Before allocating cash for Starbucks, dinners out, or weekend plans, the very first transaction should always be paying yourself, and that means more than just investing.

For me, it means automated transfers to my brokerage, plus funding the sinking funds. Texas property taxes are a massive line item in my budget, so moving a portion of this check into a dedicated escrow account smooths out that huge year-end bill.

Fund your investments and future liabilities first. If the cash never sits in your main checking account, you can't accidentally spend it.

What big annual expense do you actively build a sinking fund for?
#CoastFIRE #PayYourselfFirst #PersonalFinance #SinkingFunds

[Kurt Miller @HitTheFIApex]

Ever track your Mortgage to Net Worth ratio?

I was curious about it today and since I hadn't really heard it discussed before, I asked Gemini if there were any benchmarks by age or rules of thumb out there.

Excluding my home equity, I'm currently at 13%, running nicely ahead of the curve.

Where does your ratio sit right now, and do you use this metric?  What other metrics do you personally look at to prep for FIRE?

#CoastFIRE #PersonalFinance #NetWorth

[Kurt Miller @HitTheFIApex]

I just started this one so not much yet. From the swing trading lessons I've learned in your neck of the woods, the biggest ones have probably been 1. Recognizing that i didn't have to be in trade all the time or trade every day 2. Risk management and stop losses. 3. Not holding a full position through earnings.

[Kurt Miller @HitTheFIApex]

Paternity leave with two under two is total chaos, but one bonus is sneaking in a few pages when the kids finally have overlapping naps. Audiobooks are great, but there’s still nothing like actually flipping pages in silence.

​Currently diving into "The Income Factory" by Steven Bavaria to think about building consistent, repeatable cash flow outside the usual market noise.

​What are you currently reading, or what’s one finance book you recommend?

​#CoastFIRE #PersonalFinance #BookTok #Investing

[Kurt Miller @HitTheFIApex]

How I run the sector-specific slice of my taxable brokerage:

For each buy, I split my DCA into two separate buckets:

The Top 4 best-performing S&P 500 sector ETFs (riding the momentum).

The 1 worst-performing sector ETF (buying the dip).

This setup captures the hot hands while always grabbing what is "on sale" for a future turnaround. Here is a look under the hood at the current gains. 👇

[Kurt Miller @HitTheFIApex]

@MsVeilMoney I'll be watching it as it comes back to the IPO price of 150. If I do buy, it will be with stops just above the IPO price, so the stock can get clear off all the sellers there will be at $150. If it keeps falling, we can look for opportunities when it consolidates at support.

[Kurt Miller @HitTheFIApex]

@QC_Capitals Mortgage.

[Kurt Miller @HitTheFIApex]

"Either you run the day, or the day runs you." - Jim Rohn

Dictating the pace and success of your entire week starts on Monday morning. Make a list, knock out the critical items early and set yourself up for success.

[Kurt Miller @HitTheFIApex]

We have an emergency fund/escrow fund. Every month I deposit money to cover upcoming one-time expenses (e.g. property tax), but I also withdraw money to my other accounts with automated investments for dollar cost averaging (e.g. brokerage, 529).

It gets replenished every February.