Recent content by 2retireearly

  1. 2retireearly

    Spring 2024 booster

    Ah...wait until you have your 2nd Shingles vax. It's the 'bad' one. I never care at all if there is pain. But that 2nd Shingrix made me feel like I had a nauseating hang over, for days.
  2. 2retireearly

    $500,000 per couple primary residence exclusion and inflation

    Keep track of all the improvements you put into your home. They then are added to the cost basis of your home when you bought it. Thus reducing your profit from the sale of the home....I bet you can whittle it (up) so that you can reduce the profit to below 500k, or at least reduce it a lot.
  3. 2retireearly

    Credit, Debit, or Cash

    I never ever use a debit card for purchases. If there is a problem with anything, then the money is already out of your checking account. If you can get them to fix the issue, it might take months, and there really isn't the same guarantee of purchases that a credit card has. C=I can't think of...
  4. 2retireearly

    state tax on $60k income (MFJ)

    Not sure what this income is from, but Virginia has no tax of Social Security.
  5. 2retireearly

    How to decide if you can live off investments or need to draw them down

    I retired at 56. I had a bunch of cash. So I lived off of that,plus took 20k a year from my 401k. Since I retired after 55, I could take it with no penalty. I kept my taxes low. for 2 year I used ACA, so I was happy to keep income as low as I needed it to be to cover a fairly rich lifestyle. The...
  6. 2retireearly

    AARP worth it?

    Oh yeah, I forgot, I get my AARP Supplemental United Healthkeepers through AARP. Really I get that through my company that I retired from, so I don't know if I need to actually be an AARP member, or if by getting this insurance I automatically am given the AARP. but if my company didn't give me...
  7. 2retireearly

    AARP worth it?

    We're talking about $16 a year..right? The magazines can have some useful info...so for just that yes. I don't have vision isurance, but my AARP gives me discounts at my eye doctor for glasses...so, Yes. Also there are always restaurant and hotel discounts, that I don't seek out or use, but, if...
  8. 2retireearly

    Big purchase, how to pay?

    Whatever you do, realize that if you take out of your taxable account, you'll be paying big taxes on it..so that makes the purchase a lot more expensive, when you gross up the amount you are taking. Also, if you are on Medicare, beware of upping your Income, but taking moneys out of accounts...
  9. 2retireearly

    Poll: Have you had Covid?

    I sure hope those days you felt fine, and didn't think you had it, you weren't out spreading it..we'll never know! I just know I wanted to help stop the spread, and not give it to a more 'fragile' person..or anyone, that is, as they would in turn give it someone...But..'nuf of that soapbox.. I...
  10. 2retireearly

    Are variable annuities as bad as people say?

    I made my living, understanding these, and programming them. they are terribly complicated and take a degree in math to understand (which I have)...but, they are good for some, but mostly they do insure a decent Death Benefit. And, yes, they have huge fees. and for some who don't want to play...
  11. 2retireearly

    S&P500 is saying Merry Xmas to all

    Ok, I sound like a ditz...I WAS in Moderate Aggressive. I am NOW in Moderate Growth and Income. Because I am far above my target my advisor doesn't see the need to put me into anything more risky. I used to work on these products for a living, as an Actuarial Programmer and Analyst ( of the...
  12. 2retireearly

    Toyota key fob stopped working suddenly

    Really? It is used for doors, and truck (door)..and yes, like the most primitive rob, it has a panic button. What did I miss? I call those features the doors. Meaning it is NOT a smart fob..it doesn't start the car. There is a physical key. There is no start button. The fob unlocks,locks the doors.
  13. 2retireearly

    Toyota key fob stopped working suddenly

    I love how so many are assuming you need help to know to replace the battery. And so many assumed you also use it to start the car, when you stated it is only for the lock/unlock the doors... I can't help you, sorry, but yes, it appears it must be the car, vs the fob, as you speculated. But I...
  14. 2retireearly

    S&P500 is saying Merry Xmas to all

    My Investment Advisor (that I pay for) has me in a Moderately Aggressive model, so I didn't get 24%, I only got 10%. He tells me I am doing great, meeting all my needs, without taking much risk...but a few years ago, when I did all my investment choices myself, I would have had a big gain! But...
  15. 2retireearly

    Do you have vision insurance? Not covered on ACA plan

    I used my AARP membership as my vision insurance. The benefits of this $16/year coverage were pretty good!
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