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Dtail, I took a quick look at it last night and I will definitely try it later today....thanks. I forgot to mention I will have about a 150K inheritance coming sometime in the future that will be put towards retirement.

Sunset, I didnt start saving for retirement until age 32. However, I am savings 33% of my salary now and plan to bump it up to 36, 37% shortly.

Dtail, I would like to hold out until 70 to take SS. I do have an estimate.

Dtail- If I stay in NJ, about $1800 a month. If a retire to South Dakota or Wyoming, MUCH less.

In retirement, my annual expenses will just be property taxes and utilities . Home will be paid off and medical insurance if for life with employer after retirement.

Hi, I am a healthy 58 year old male, single, no children. I plan to retire in 9 years at 67. Salary is 70K. I have ZERO debt with the exception of a small mortgage balance of 38K and home worth $187,000. Credit score of 810. I have a 403(b) with TIAA currently valued at $535,000 and a ROTH...

davebarnes, Interesting article. I always thoughts PRWCX's ER was borderline high for my liking.

Target2019, Thanks, but I dont know where you are seeing PRWCX was down 40% in 2008/2009. According to Yahoo Finance, is was only down 27.17% in 2008.

Im about 60% equities, 40% fixed in my 403(b).

Oldshooter, Thanks for taking the time with you lengthy response.. I will review the videos.

pb4uski, That's fine, I just dont want to get off to a bad start in this forum. We all have different opinions.

Referring to a FA I just met with for advice as "an idiot" is not necessary, but ok, I understand. target2019, my ROTH is held directly with T Rowe Price, just the one fund, Capital Appreciation.

Again guys, I DO NOT have a FA! I only did a complementary meeting with him for some advise! They are a well known, respected fiduciary firm out of both Philly and NYC. I am NOT paying a FA.

Njhowie, Wee My Roth is 19% of the 650K. And sorry, I got the Wellesley allocation wrong, its 60% bonds, 40% stocks! Wellington is 60% stocks and 40% bonds.

pb4uski, Thanks, but what's with the name calling?? Is that really necessary? Secondly, he is NOT my advisor, I only did a complementary meeting with him for advice. I DO NOT have a financial advisor.

NgineER, Income is $72K a year, been saving at 33% for at least 5 years now and plan to increase to 37-38% this year. Monthly expenses about $2500. At 57, the Wellesley Fund seems a bit too conservative at 40% bonds, 60% stock. Seems a bit conservative for 57 year old with 10 more years left...

LRDave, Sorry, I am not familiar with the lingo and abbreviations here..whats TSM and FA??

Hello, I just now joined this forum after finding it.... I am a very healthy 57 year old male, single, no kids, living in NJ. With the exception of a small mortgage balance of 38K, I have ZERO debt...no credit card, no car payments, no student loans, NOTHING. I have a 15 month emergency fund...