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I was also perplexed by this when we retired 5 years ago. I'd been following this guy's blog and found this post to be very helpful in establishing a procedure for us. I don't follow it to the letter, but it was written in plain English so I was able to grasp the concept and implement for our...

Just got off the phone with the EJ 'Advisor'. Because here IRA was small, all the siblings agreed to take it in cash. My husband, unbeknownst to me, agreed to this, so this explains things better. The cash in her living trust will be more substantial, but we won't be taxed on it. Now, I...

We're retired, both over 65, and living happily off our SS, small pension, and IRA withdrawals as needed. My mother in law passed in August and we're just now getting Edward Jones to move on the distribution of her IRA, and "some other account" (the sister-in-law/executor isn't real generous...

1) Mortgage, if one has one. ($427) $5124 annually 2) Rent if one rents their home 3) HOA if one has one ($187) $2244 annually, covers lawn maintenance, snow, tree trimming, etc. 4) Landscaping and Lawn Maintenance if applicable See #3 5) Electricity - Includes water & sewer ($325) $3900...

At our prior house, we had little kids and went without power for 8 days after an ice storm. It was obviously horrific. When we downsized our new home had underground power, but we soon learned that doesn't prevent outages. We have a Generac, and are incredibly happy we do. It's kicked on...

Just finished Daisy Jones and the Six, and am going to rewatch it. I read the book too and am listening to the album on my Alexa. Not sure why I'm so obsessed, but I could have worse vices.

We're both college educated, very little debt upon graduation, only for DH. We both worked for Fortune 500 corporations for 30ish years, and we started contributions to our 401k's from day 1. Didn't buy too much house, but did opt to send the kids to parochial schools. No regrets there. I...

I have horrible memories of being drug all around the state on Memorial Day, placing ant covered peonies on the graves of people I never met, and watching my grandmother and her sister bawl as if it happened just yesterday. My spouse has similar memories, and so we don't do that whole thing...

I was a gawky 12 year old, sitting on the linoleum floor in our family room, watching it on TV. I was fascinated. Since it was before you could record TV, I had a little handheld reel to reel tape recorder and set it on record and placed it next to the TV when they made me go to bed. At least...

Sons of Anarchy Modern Family The Office Friends I have a huge list that will hopefully get us through the writers & actors strike.

We downsized 8 years ago, and our small maintenance-provided development is 55+ folks, and we guess most of them are in the same boat with us, but we NEVER discuss money with them. Hubby has a couple of former coworker friends who are similarly positioned, and they discuss generalities. I...

We found our fee only planner at www.napfa.org at the recommendation of several folks on this board. We've had her for 12 years and have been retired for 5. She has none of our assets under management, only works by the project. Those get less and less frequent now that I'm figuring out...

Another Class of 2018 Member here. I am finding retirement to be relaxing and freeing. I'm not doing as many noble, save the world things as I had anticipated, but that's OK. DH has some health issues and managing those and him fills my days. And that's OK too. Just glad to be comfortable...

Our doc switched to concierge, with a $150 a month fee for EACH member of the household. I couldn't justify $300 a month on top of Medicare & Supplement payments. I'm Facebook friends with her, and she makes house calls, conducts yoga and relaxation classes, has cooking classes for diabetic...

Call me Mrs. Irrelevant. I relish the title.

Has anyone had an air cleaner added to their HVAC system? Was it worth it? Did you see any improvement in season allergies, colds, etc? Just had our AC checked and of course they're always trying to sell you the latest and greatest. I'd rather hear from someone who isn't going to get a...

My 30something son is a mechanical engineer, married to another one. They're living their dream aboard their catamaran, bobbing in the Carribean while they telecommute via Star Link. He sent me this text today and am hoping someone here has some resources to share. "Looking for a financial...

Duh....

We both retired 5 years ago, and didn't touch our IRAs for the first year. We're withdrawing about 3% a year, and have also been doing some Roth conversions. DH turns 70 next month and begins his SS in July. It's WAY more than I'd anticipated, so we'll wait to see if we need to make an IRA...

I gave 6+ months notice. They filled my job the week after I left. I'll just assume they didn't want me teaching my replacement all my bad habits. :)

We found ours at napfa.org She is fee only, paid only for meetings and projects. We used her in the years before retirement to help us budget and invest in our 401ks. She helped me learn to rebalance our IRAs and move them from corporate 401ks to Vanguard. We had her do a project for us this...

I retired at 61, and while I greatly appreciated the 4 years of employer provided retiree medical with a $600 a month premium and $6000 deductible, as God as my witness, I will never complain about Medicare. I attended a Medicare seminar at a local high school, presented by a local Farmers...

When I went to GeoBlue.com and said I wanted travel insurance, I was redirected to Pacific Prime. Is this legit?

Thanks all for the info & ideas. Just opened the Fidelity account, and added my Ally account to get the money transferred.

Their RMD tool first comes to mind...