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I have a small pension from an employer that stopped contributing to it years ago. I realize the amount is small, and it probably doesn't mater much, but I was looking at the numbers there other day. Current age 50, DW 56 Assume average life expectancy NO COLA 100% survivor benefit Take...

I have searched the internet, and could not find an answer to this question. Let's say someone separates from service in the year they turn 55, and then starts to withdraw funds from their 401k/403b penalty free under the rule of 55. That person then, at some point, returns to that employer as...

I finally can empathize with all the threads I have read over the years about people’s fears when it comes time to retire. My wife and I have been working part time these last couple years, with plans on retiring when she turns 55 at the beginning of next year, at which time I will be 48. We...

I remember in the '08 stock market crash thinking "This time is different". But I stayed the course , and was well rewarded. I saw those that pulled out, and missed a lot of the future gains. Fast forward to today, and I find myself thinking again "This time is different". I am feel...

I realize there has already been a lot of discussion on sequence of return risks, but I wanted to discuss some aspects of sequence risk that keeps bouncing around in my head. My DW and I have hit a number that we “should” feel confident that we could RE. FireCalc says we are 100%. But as...

I have been listening to “The Retirement and IRA Show” podcast over the last year, and have really enjoyed it. There is a lot of banter and they can beat a topic to death, but I think the give a lot of good advice. They have a financial planing business, but refuse to charge an AUM fee...

A lot of news has been directed to the rising costs of colleges and level of student debt. When I graduated I think I had a total of $7,000 of loans, which was easily paid off once I started working. Now it seems not uncommon to hear of debts close to $100,000. Once thing I think does not get...

I was recently playing with the Fidelity RIP calculator, and trying to understand the score that it generates. My score was 113 with retiring next year. Obviously the higher the score the better, but does this number correspond to a percent success rate? The output also gave these figures for...

Some may have read a thread I posted about my DW cutting her hours at work to part-time. http://www.early-retirement.org/forums/f28/looking-for-advice-on-our-situation-86803.html Well she got approval from her employer!! :dance: Now we are both part-time. I guess I am going to say we are...

We currently maintain a minimum $25k in a low yielding money market at a local bank in order to avoid fees on our checking. I am thinking we can just switch to free checking, as it would provide enough features. I am looking for some input on a new bank for a high yield money market. It has...

We have been saving diligently for early retirement, ever since we got married. As it is starting to get closer and closer the feelings of anxiety about being able to RE are getting stronger. As I am starting to run more and more numbers I am wondering if we should make the shift of stopping...

So I have many of the same index funds (such as Vanguard Total Stock Market) held in both taxable accounts and tax deferred retirement accounts. I was out of curiosity looking into was sale rules. To the best of the information I could find on the internet said that wash sale rules would apply...

My wife and I have pensions at our current employer. These pensions are funded by our employers, but only earn a small fixed rate each year guaranteed no lower than the 1 year T-Bill rate. The current rate this year is 0.18%. At retirement the amount can be taken as a lump sum, or annuitized...

One area of knowledge that I have always been weak on is taxes. I always do my own taxes with TurboTax. I know it is not the best scenario doing something myself that I have little knowledge of. My question is related to LT capital gains. I have a portion of our portfolio still in...

Yesterday I introduced myself to the board, and today I wanted to start a new thread to get some guidance regarding asset allocation with mine and DW's employer sponsored 403b plan. I started yesterday by looking into having our bond allocation more within the tax deferred 403b. The only 2...

Hello everyone. I have been lurking for over a year now, and finally decided to join and introduce myself. I just turned 40 and my DW is 46. We have no children, and have been saving for retirement since we got married. Currently I do not like my job/career, and want nothing more than to...