Recent content by LARS

Stumbled across this thread. And very glad I did. Thank you! GeoBlue looks incredibly interesting as a way to cover insurance overseas for several months at a time.

Thank you. I was hoping as much. Also sounds like we should use to its fullest the four month period to file before receiving benefits.

Thank you.

Tried deleting and redownloading ER app, but still cannot get it to work. Is the app no longer being supported?

Sorry, I tried searching, but couldn’t find relevant threads. Curious the experience of those that have applied for SS if you are already enrolled in Medicare. Planning on applying for SS benefits online. When I read SS webpage they talk about various documents (birth certificate, etc) that...

Another May ERer. It is twenty eight years for me. When I started I used to run my spread sheets out sixty years. Alas, not anymore! Good news is that it looks like Social Security will actually be there (at least for a few years ;-))

What am I missing? The money you owe is to the IRS, no? How does suing your accountant make that problem go away? And, surprise, surprise, a lawyer tells you to sue. That’s a lawyer I would run from as quickly as the accountant.

Fear of the unknown is just that: fear. The offset to fear, which is true when it comes to handling retirement as well,is experience. I have been retired since 1995. I am now in my mid-sixties. The previous twenty eight years experience has taught me not to worry. Short of the system...

In discussions like this there are many opinions and no correct answers: just ranges of outcomes. Thus, the single biggest thing one can do is focus on the expense side of the ledger. How close you wish to sail to the wind (i.e. increasing expenses) is the question. I’ve made peace with the...

True, but thresholds are dramatically higher than ACA.

I retired when I was 38. Now, in my mid-sixties. For much of that time there was always a kernel of worry if I am honest, but note use of "worry" and not "doubt". My concerns (worry) were focused on some date, well out in the future that I couldn’t forecast, that I might have to economize on...

The theoretical financial risk with Medicare is prescription drug. Even with supplemental drug insurance your risk is uncapped. Catastrophic coverage (from Medicare) Once you've spent $7,050 out-of-pocket in 2022 ($7,400 in 2023), you're out of the coverage gap. Once you get out of the...

Happiness is a fool's errand. Strive for contentment and you might actually get there…

What do lawyers say… a preponderance of the evidence… but nothing is ever just one cause so I get your point.

I don’t find this (not having sufficient funds to retire) surprising at all. I am willing to bet the vast majority of the 26 million plus "millionaires" in America are millionaires because of basically one single asset: their home. Indeed, I would go further to say a substantial majority of...