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How Early Retirees Use a Margin Loan for Short-Term Cash
Lucas and Luna explore how early retirees can use a margin loan against their brokerage account as a short-term cash bridge, avoiding taxable sales or selling assets at a loss. They walk through a concrete example using a $1 million portfolio, explain loan-to-value ratios, interest rates around 5-6 percent in mid-2026, and the risks of a margin call during a market downturn. Lucas shares data from the 2008 financial crisis showing how a retiree with a 25 percent margin drawdown would have been forced to sell into a falling market. Luna asks about alternatives like a home equity line of…
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