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Long time lurker here. DW and I share a single vehicle in the Houston, TX area. Clean driving record for both of us. Our annual premium just got raised by 40+% for the Sep 2023-2024 renewal cycle. >:(. The carrier claims that it is a state approved premium increase citing increased medical...

Not sure if this is the right forum... mods please relocate, if necessary. DW and I are retired. Recently did the millennial thing in reverse... sold our primary residence and moved in with our daughter and her family. We are considering purchasing a property on the Gulf Coast. At some point...

Hey all :greetings10:, I am considering converting some of my IRA funds to a Roth this year. I plan to do the same in 2022 and 2023, if my current situation sustains. Let's say DW and I decide to convert $80,000 each year. I am over the requisite 59.5 age threshold and don't expect to have...

Before talking to my SE 401(k) plan administrator, I wanted to get some advice from folks who might have dealt with this... or a similar issue. I am the sole employee of my own my own S Corp. Though DW has been assisting with the business, we've had a single 401(k) contributor account in my...

I have a 401k with a former employer that I'd like to convert into a self-directed IRA. The 401k account is with Fidelity. Seeing the love for Vanguard funds on this forum I'm leaning towards creating an IRA directly with Vanguard and moving the funds there. Fidelity assures me that if I...

Here's my financial situation. $350K - Cash $500K - After-tax; invested 60/40; re-balanced quarterly $240K - IRA; Variable Annuity (MetLife) $270K - IRA; Variable Annuity (MetLife) $40K - Spouse IRA; Variable Annuity (MetLife) $340K - 401k; invested 60/40 Primary residence paid for; not...

Short time lurker here. I’m 54, the DW is five years behind (I keep waiting for her to catch up, but…). Made good money in my 20s but blew it all :facepalm:. Wasn’t as wise as you 20 somethings who are on this forum (more power to ya). So I started from dead broke at 34 with five kids and...

Hi all, I'm 54 now, DW is 49. Our financial assets total $1.38M, not including real estate. Here's the break up: Cash $250K (includes rainy day fund) Investments $340K (60/40 stocks/bonds) Annuity (post-tax) $205K (freeze period ends when I’m 59 ½ ) IRAs...