Losses, including carried forward from RE (tax form 8582) can be used to significantly offset roth conversions in early retirement if you keep income under the threshold. 

People are retiring here.  

I funded several dozen notes using my retirement funds and so hundreds of my clients.

I can tell you what people here have done to set themselves up for retirement.

My whole life so far have been to climb the ladder and invest in retirement but I recently read Rich Dad Poor Dad and Be Obsessed or Be Average and it has completely changed my mindset on money, wealth, and life in general. 

My dad is retired and his credit score isn't the greatest while my credit score really good and debt to income is pretty low right now.Mortgage Owed: 118,000Money to Seller:  75,000Est.

Heck, I even find joy in it when a squirrel eats a hole through the kitchen ceiling, the fire alarm blasts for no reason, and the tenant's kid secretly turns off the "do not turn off" switch to the heater, necessitating an emergency call to the electrician.Three years after retiring from freelance writing, I'm looking for my next act.

I decided fine, I was just going to wallow for the next couple weeks, aided by fact everything was people running around in total panic and freaking out as well, every way a person turned it was nothing but doom and gloom, as if I needed to jsut pick out a nice spot, dig my plot and lay down for final life retirement.   

Try not to cut into your savings or your retirement accounts.

Rat Rice 2 Retirement with Brad Sumrok will meet for 2-3 days next Month I expect.