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Here is a video suggesting that with all the states passing legislation requiring insurance companies to offer plan G to people outside the signup window that insurance companies are raising rates faster on plan G. Any thoughts? Also, is the whole "closed risk pool" issue something you worry...

All my money is now in IRAs (80% Roth, 20% Tax Deferred). Now I draw from my Tax Deferred accounts to a targeted taxable income and top it off drawing from my Roth. I can't think of any reason to move IRA money to my taxable account before I need to spend it, but just wanted a reality check...

We've always had PPOs for insurance (where you can sort of go to whatever doctor you want). We are switching to a Priority Health HMO for next year. My vague recollection is that with HMO's you have to always start with your primary care physician, and they give you referrals to see...

Can't open the app?

Are you planning around it, or have you just accepted it as inevitable? I don't see much discussion around it. I would personally love a good model to forecast marginal tax rates taking into account things like the tax torpedo, IRRMA, ACA insurance, RMDs, etc.

Any recommendations for software that forecasts taxable income and optimizes which accounts to spend from and things like Roth conversions? I've looked at the bogleheads spreadsheet and NewRetirement and neither seemed to be what I was looking for.

So we're recently retired and have a comfortable nest egg. Recently, we've had some discussion about whether we should get a seasonal home (say, for example, a small home in Florida). Just to use simple numbers let's say we have a $1 million in IRA and are comfortable with that number as a...

Interesting video. Argues for a higher spending rate. Also makes this comment on delaying social security "Delaying allows you to have a higher floor while taking early allows you to have a higher ceiling". https://youtu.be/K_I3pbFMgLM

In addition to Father's Day, my birthday falls in June and I know my kids will be asking for ideas on what to get me. Any ideas? It seems like I need less and less as I get older.

I handle all the investments and don't use a financial advisor. In addition to investments I am optimizing taxes, healthcare, social security, estate planning, existing debt, etc. My wife has zero interest in any of this. If I die first, I'm thinking maybe we need something like a springing...

I've been following a thread on Microsoft office and a thread on setting up a NAS. What are your thoughts on using OneDrive for file backup? I see you can get a Microsoft 365 family plan for $99 a year and it comes with upto 6 users and 6 terabytes of storage. So you get the storage and...

I smoke the occasional cigar, but don't have a consistent good value cigar to smoke or a consistent establishment to purchase. What are your tips on what to smoke and where to purchase? Ideally, some place online because I probably don't live near you.

Is there any "value" in having taxable income after you've started Medicare? Before Medicare, if you are using ACA insurance, you don't want your income too high, but you also don't want it too low (or else you aren't eligible for ACA). I saw a comment about converting ALL IRA money to Roth...

Years ago, when the kids were young, we created a Trust, Wills, and Power of Attorney (for health care and financial purposes). We never funded the Trust and have since created new wills and Power of Attorney. We are planning on creating updated Wills and Healthcare Power of Attorney yet again...

I'm on the verge of buying a sauna. Likely a small infrared sauna. Just thought I would ask if anyone has any suggestions on what to look for.

I retired the end of 2021. I had a few thousand dollars of earned income in 2022. I am already withdrawing money from IRAs (both taxable and Roth) to live on. As April 15th approaches, I keep thinking in the back of my mind, I should make a 2022 Roth contribution equal to my earned income...

I have to say my wife and I have a pretty negative view, but I admit we are not very well informed. Based on Braumeieter's suggestion I googled this and found a thread from a year ago. If moderators want to delete this thread, fine by me...

I know this topic gets beaten to death, but I came across 2 videos that brought some clarity to me, so I thought I would pass them along. First is a simple case for taking Social Security later which I thought was really well done: and the second is about how to deal with Social Security if...

We are viewing SS as longevity insurance and are likely going to wait til 70 to file. We are the same age, I'm the primary bread winner and full retirement age is 67. I thought that if we waited for me to file at 70, then when one of us dies the other would get the "age 70 payment". I just...

I've tried several times over the years to create a budget, but never really kept it up. I guess I'm wondering what would change if I did. My wife and I generally have a frugal mindset - we look for deals, clip coupons, and don't eat out very often, but really just spend as things come up and...

So, if I am targeting $50k of income for ACA purposes (with some of that coming from withdrawing IRA money), there is no reason not to pull out 7k extra money and fund 7k of an HSA. So my gross income goes to $57k, but my MAGI income is still $50k, right. If I'm already diping into IRA money...

Let's say I wanted to invest [500k] into bonds over the next [6 months]. I would rather own individual bonds. Is there any rules of thumb or guides on putting something like that together?

Just this morning I am getting an anoying full page ad on this forum? Is it this forum, or do I have some sort of mailware? [MOD NOTE: Thread moved to proper forum]