I think I figured out one of these, and I know there are folks here who know the answer to the other off the top of their heads.
We're completely dissatisfied with the wifes 403b offerings at work. Limited funds, high costs, and they keep closing old offerings and presenting new ones that I'm even less interested in. Last month they closed the foreign bond fund and the REIT fund and created a couple more large cap blend funds with 2% fees.
We decided to stop taking withdrawals from her paycheck to fund the 403b, change our port to reduce current income and retarget it for longer growth, and use her current income instead while we let the portfolio grow at a signficantly reduced withdrawal.
We've both been fully funding Roths the past 3 years.
Its bugged me a bit though that we cant take advantage of the tax deferral the 403b offers.
I believe we can also both contribute to a regular IRA providing we remain within the contribution limits, file jointly, and dont exceed 64k AGI limits (after which the deductability goes away). We would have met those criteria last year, and I think we'll do so again this year.
Am I reading it right? Theres almost nothing I could find with 15-20 minutes of searching that accommodates someone who ER'ed at 39, just got married, and has a working wife that has a retirement plan at work she doesnt like that wants to contribute to an IRA... :P
So thats the tougher of the two.
The other question was posed by my in-laws. My FIL retired on a disability after suffering a stroke some years ago. My MIL is a charge nurse that believe it or not, loves to work overtime. She's approaching the age where she can start early SS withdrawals. She was wondering what the implications of working and drawing SS early are with regards to taxation of the benefits, and limitations. I'm sure I can find this in 5 minutes on the social security web site, but I think a few of y'all are quite familiar with this and could describe the ins and outs.
Thanks for any ideas, suggestions, offhand remaks, quips and unrelated stories in advance.