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I bought a new computer and tried copying over my bookmarked sites and have lost a website. Someone recommended a website to calculate estimated quarterly taxes. Suggestions on ones you use to estimate? I plan to set one up in my retirement spreadsheet, but haven’t had the time yet! Thank you! M

We are working on our asset allocation strategy. Even though we are both accountants, it is one of our struggles. DH receives a pension that is almost half of our annual budget. How do we add in the pension to our allocation strategy? We are currently about 80% stocks with the balance in CD’s...

Morning, Recently retired. Looking for a process or calculation on bonds sell vs hold. We are trying to review and decide if we should sell a bit of VBLAX to offset other gains or hold until it recovers. Do you have a process for reviewing and deciding when to sell? M

I am down to just a few days and finding it difficult to choose a way to track reminders and such. How did you keep track of tasks, appointments and email reminders once you left work? I detest g mail, but it seems the easiest email choice. Did you utilize the calendar on your phone to remind...

Anyone have a recipe to clean the smell of skunk off a stupid dog and out of our house? M

I sent in my overly vague email to discuss retiring with my boss on Monday with no response as of 1:30 on Friday other than a quick mention on a call on Tuesday. He had to take another "more important call" and said we should talk. Now nothing. I have worked here 22 years and am the...

When you calculate asset allocation, do you include your home value as an alternative asset? I tried to search and could not find this discussed. TY, M

I am planning to retire at some point next year. Did you max out your retirement 401K your last year or only fund up to the match to have the excess cash? M

I had planned to have someone review my spreadsheet and estimates closer to retirement date. However, we are moving up our FIRE date. A friend's husband has offered to review for free since we are friends. I don't want him to do it for free as he is a an investment advisor and is due for his...

I am working on asset allocation. This is a concept I struggle with understanding. I can do the basic math, but don't quite know how to factor in DH pension as part of our allocation. Any suggestions on how to include? Would you carry less bonds to offset the pension as your % of bonds? The...

8 years ago, we bought stocks known for yield and consistent dividends through a fee-based registered investment advisor. After several years, we felt that the fees were very high in comparison to the dividends and growth of the stocks-especially when compared to the growth of my 401K. After...

We are looking for alternatives as part of our investment allocation. My husband wants to invest in a duck club. Is there ever a time that this works out as an investment choice? He wanted to invest in gold before the big run, but I was too nervous.

Several years ago, we invested in individual stocks with a growth investment strategy. After lots of research, we decided index funds were a better choice for us. I am not a risky investor. We don't feel that we need to sell all of teh individuial stocks, but i want to sell overtime any that...

My initial thoughts and calculations did not take into account my husband’s pension as much as I think it should. We have budgeted expenses of $65-75K depending on travel. My SS estimates $25K at 63. He will be eligible for a university pension of $40K at 61 with a COLA. HE is also eligible...

If you aren’t exactly retiring early, then factor do you use instead of need 25x expenses? Firecalc comes up with 100% based on expected spending and savings pattern. My issue is inflation. I would like to retire in a few years at 57. DH will continue for a few years to max out his pension...

A comment on my COL post has me analyzing our cash to invest. (Thank you all, but especially Fritz!). Do or did you invest based on your state's retirement tax? For instance, I like the idea of aristocrat dividend stocks. However, dividend...

When discussion turns to living in an area of lower COL, I don’t follow all of the analysis. Are you assessing property taxes, state taxes and general living costs? Do you add in costs for entertainment? We live in Illinois-yes I know the issues with Illinois are numerous! Property taxes...

When you calculate FIRE - do you include all expenses? Travel budget? Charitable? Or just your normal expenses?

I posted this on bogleheads forum, but some responses have been a bit above my head on prior questions. A more on my level feedback would be most appreciated. We have a number of dividends stocks we are in the process of selling and investing in our new vanguard accounts. However, I am trying...

I have my retirement schedule in excel with an investment tab, SS/pension details, Budget by time (I retire, He retires, full retirement with all income) and misc. items. I would like to have software or an excel file that will extrapolate based on withdrawal percentages and do more detail for...

What had a bigger impact-saving/being frugal or investments - on reaching FIRE? Can you quantify or give one suggestion?

We are moving our funds from an independent investor to Vanguard to take control of our retirement. Suggestions on how to divide and earn- We have $70 in a joint account. 10% VCIT 54% Dividend stocks such as Walgreens, J&J & Paychex 35% he left in cash for too long This I want to invest in...

I plan to take at 62 because of health issues. However, I am the high earner. My DH will have a state pension (IL sigh). Does it or how does it impact him if I take early for survivors benefits?

Just starting to be organized about retiring. I am 49 and husband is 53. Due to an illness that recurs, I am making plans to be able to retire between 59- 60. I really love what I do, but it requires my need to be super focused. Not able to do that as well as before treatment. As my illness will...