#680: Mia: Mia and her husband are planning early retirement and want to draw down their taxable brokerage accounts for the next decade. She’s considering a securities-backed line of credit to defer taxes during market downturns. Can a securities-backed line of credit smooth taxes in early retirement, or are there hidden risks? Jean: Jean, a freelance creator, wants to take a self-made sabbatical in three years and fund it without stress. She’s unsure whether to keep her savings in a high-yield account, a brokerage account, or split between the two. How should she balance growth and safety when saving for a short-term sabbatical? Jared: Jared has been reading about pensions and 401(k)s and sees pros and cons on both sides. He wants to know whether pensions really offer an advantage or if the nostalgia is misleading. Are pensions truly better than 401(k)s, or is the preference mostly sentimental? Resources Mentioned: affordanything.com/community affordanything.com/newsletter affordanything.com/financial-goals affordanything.com/your-next-raise quince.com/paula Share this episode with a friend, colleagues, your financial professional who helps you borrow against your securities: https://affordanything.com/episode680 Learn more about your ad choices. Visit podcastchoices.com/adchoices