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View Poll Results: Total Income streams excluding WR (please read instructions
$0 per month 28 13.40%
$1-$1000 per month 11 5.26%
$1001-$3000 per month 34 16.27%
$3001-$5000 per month 43 20.57%
$5001-$7000 per month 26 12.44%
$7001-$10,000 per month 20 9.57%
over $10,001 per month 14 6.70%
NOYDB - decline to state 4 1.91%
Don't qualify since still working 28 13.40%
Pie 1 0.48%
Voters: 209. You may not vote on this poll

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Old 01-07-2016, 10:27 PM   #41
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I put 3-5k as that is what I started collecting from SS last month. Wife will work for another 20-30 years so I did not include her salary. Wife has other substantial income streams that I also did not count as I am the only one retired.
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Old 01-07-2016, 10:29 PM   #42
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Nothing at this point, three years into retirement. The only income on the horizon is Social Security (two years off at the earliest), and my wife's small pension three to five years off.
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Old 01-07-2016, 10:31 PM   #43
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SS for DW and I ($3001 - $5000 catagory):

Amounts to over 1/2 of our monthly spending needs (less if you add in DW's spending on the grandkids!)

Not included in the monthly spending is covered by RMD's and a bit of PT consulting I still do.
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Old 01-07-2016, 11:10 PM   #44
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What income stream?

I just recall a couple of years ago, Bestwiveever and I had an exchange here about collecting hickory nuts, cracking, and selling them to get an "income stream" going. Never implemented the idea, but darn, is my memory good or is it superior?

Searched for that conversation, and found it here, in a thread about the need to show an income stream to obtain a loan: need for showing an income stream ?.

PS. I meant to find out what hickory nuts taste like, but have not done that either.
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Old 01-07-2016, 11:23 PM   #45
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Quote:
Quote:
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Originally Posted by MichaelB View Post
Nada. Bupkis. Diddly-squat. Zilch.
+1. I did not realize there were so few of us in this situation.
Getting close. $440/mo pension + DW's SS for the next 2 years.
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Old 01-08-2016, 12:33 AM   #46
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$5500 pension w/COLA for now with $2500 in SS for DW and I (combined) in 2 more years. SS will replace draws on my personal investments that I draw on now. After SS, I don't have need for my personal investments, so I guess I'll just let them grow until 70.
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Old 01-08-2016, 04:51 AM   #47
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Two pensions with inflation-pegged COLAs...none this year, since there purportedly wasn't any inflation. Pensions are treated as regular income for tax purposes.

No SS, as we don't qualify for it.
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Old 01-08-2016, 05:19 AM   #48
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Don't have to spend all of the SS income.
Don't have to spend all of the annuity income.
Don't have to spend all of the dividend/interest income.
Don't have to spend all of the RMD's from IRA's.

It is all income to me, just as my salary when working. Not all subject to ordinary income tax. I can choose to spend or save. I sacrificed a defined benefit pension from a federal bureaucracy for a higher income and stock benefits from a publicly traded corporation. The result has been a better income in retirement, although not from a guaranteed income stream
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Old 01-08-2016, 07:54 AM   #49
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A couple of hundred $ from a few leftover consulting gigs. Soon to be zilch.
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Old 01-08-2016, 07:55 AM   #50
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Quote:
Originally Posted by rodi View Post
This poll is for retired persons - so salaries are not included.
After 13 years retired, got it up to $5k/mo just covering our LBYM lifestyle. Not that we want for anything but it eases the pressure on portfolio performance, especially these days! We need the portfolio for exceptional expense items.
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Old 01-08-2016, 08:03 AM   #51
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No income stream here. But I wouldn't mind having one if I didn't have to work for it.


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Old 01-08-2016, 09:12 AM   #52
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Our pensions cover about half of our spending plan. This is quite beneficial since it allows me to allocate all our investment portfolio to equities. Divs on the equities have grown quite a lot since I retired almost 10 years ago and are now more than the pensions, especially on an after tax basis. Getting a regular pension deposit every month is quite reassuring. Especially when the markets are poor. We are quite lucky.
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Old 01-08-2016, 09:50 AM   #53
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What about RMD's on an inherited Roth-IRA?

I've had this for 14 years now and it keep's appreciating, slowly, even with the RMD's paid out.

Also have:

- DW's small pension
- DW's small lifetime annuity
- royalty income from a quarry

Gives us a little over $3,000/mo.

No pension for me and no SS for at least 5 more years.
I assume you include the money in the inherited IRA/inherited ROTH Ira in your nest egg calculation. Like a regular IRA (vs inherited) - nothing says you have to spend the money you are forced to withdraw and pay taxes on - you can reinvest it in a taxable account. Same with dividends and cap gains....

All of those things are just SOURCES for where to withdraw funds from....

I have an inherited IRA - it is the source for my withdrawals from my portfolio - but it is definitely part of my portfolio and not a separate income stream like a pension/annuity/SS/rent - things outside the portfolio.

I linked the trigger for this poll, above... It was based on a comment in a thread about net worth - and how net worth did not reflect cash flow/income streams outside the investable assets.
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Old 01-08-2016, 10:28 AM   #54
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I guess the income stream that I would get from cracking hickory nuts would not count either. See my earlier post. Lordy, it's w*rk, and a hard one at that.
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Old 01-08-2016, 10:53 AM   #55
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No Pension. No SS yet. Net $2270 per month from 3 rental condos in Roseville CA.
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Old 01-08-2016, 11:05 AM   #56
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Two Pensions. Two Social Securities. Checks are good I thought I was up there, but from the looks of it, I'm way behind. Oh well, We live on the checks (so far).
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Old 01-08-2016, 11:25 AM   #57
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DH's pension is under $3000/mo but covers our monthly expenses and leaves enough to still save 15%. It's plenty for us, we keep our cost of living nice and low.

Still Living Below Our Means.
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Old 01-08-2016, 01:33 PM   #58
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$7300 per month from four sources SS, Military Pension, SSDI for wife (all COLA), Megacorp pension non-COLA.
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Old 01-08-2016, 01:43 PM   #59
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I think rental income is the same as dividend income--the asset is creating the income stream.
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Poll: Monthly income streams (please read before voting)
Old 01-08-2016, 01:54 PM   #60
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Poll: Monthly income streams (please read before voting)

Quote:
Originally Posted by Bestwifeever View Post
I think rental income is the same as dividend income--the asset is creating the income stream.

This is what I was thinking.
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