Search results

Thank you! This approach makes my brain hurt a little, but I end up with relatively similar numbers whether I try option #1 or option #2 (at least numbers that are within my own comfortable margin of error). Thanks again.

Okay, great. Thanks so much! Am I the only person who is trying to do the "add to portfolio" this way? -R

Hi everyone, I plan to retire in 2026, but my wife will retire in 2032. I would like to "add a lump sum" to our portfolio in 2032, which would be the amount in her retirement. The value of our current portfolio is the amount I have in my own account today (I will be replacing my income with...

Thanks, everyone! Understanding more clearly bucket 2 is a great point, and it's been the more challenging one to fully wrap my head around -- and that worries me. It will take 10 years (total) to convert my TIAA traditional so that will give me 5 additional years of income after my bucket #1 is...

After some great feedback from my intro posting, I would love some insight for my final 5 years of contributions. My current AA is 45/40/15, with the 15 in TIAA Traditional. I plan to use a version of buckets when I pull the plug, and am now in the process of converting some of my TIAA...

As always, thanks for the thoughtful comments. She is eligible for spousal SS benefits, thankfully. When the exemption from SS was first hatched (back in the mid-40s), the idea was that employees would use the tax they would have paid and plow it into their own DCP and that the institution...

Yup. It's very unique. Employees at this institution are not covered by the SSA and, as such, are required to participate in either PERA or a DCP, which in this case is TIAA-CREF. Employees have a choice to either take the state pension system OR go it alone with a defined contribution plan to...

Once again, thanks everyone for these important suggestions. I will definitely check out healthsherpa and opensocialsecurity. I've read great things about these from your comments before and will now drill down. DW does invest in her HSA. I have access, but currently utilize a...

Thank you all for making me think more clearly about DW and if the wheels fall off. Total spend for the two of us is $85k/year low-end and $120k on the extravagant end. Both of these high end figures include a HI premium based on some version of COBRA for the two of us (but will look at the CO...

Thanks for the suggestion, MRG. I have not looked on the exchange (yet). The only reason I haven't is that the ACA seems to be forever changing and jumping in now might make my head explode. DW has HI from work (state employee) but I'm thrilled to know it may not be a bank-breaker even now...

Live participation requires some thinking! DW and I have always had totally separate finances. For all practical purposes we have mostly lived on my $ and she has used hers to manage her life and kid stuff, but your question is an important one. Her professional life is just about as stable as...

Hi everyone -- Long time (9 year) lurker and first-time poster. I've learned so much here, but now all the levers, dials, switches have to be in place to land. I've pointed this plane at the airport and am petrified that a wheel will fall off just at the gear hits the runway! I'm going to...

Thanks Spudd and Katiek. Spudd, you are right -- I need to find something to do with my cash. The bond portion of my AA will be taken care of inside my 457(b), so I'm honesty not certain of the best location for cash. The cash comes from rental profit (I can't take any advantage of passive...

Hi, everyone! Long time lurker, first time poster! I have learned so much here – thank you all! A quick introduction and a question: What am I missing? My ten year countdown has begun and I have to get this right. I don’t think I have time for a reboot on this…. Some details. Age 49.5...