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Would you recommend that, or same in both eyes? Me, so far: 63M, right eye done for long distance 2.5 weeks ago, now test at 20/20. Original thinking was to correct left eye the same (coming up next week), but new info revealed this thing called mini-mono correction, where one eye is corrected...

The recent post on the challenge of spending SS income raised an old worry. I am 63, DW 60, both retired. We have cash reserves + small income to (if calcs are correct) take us up to her age 65 (4.5 years to go) so we can continue to use ACA. No SS income yet for either of us. We pull about...

At least I think it may be unusual, but who knows. California, self and wife, 2 married daughters, one in state, one not. Labels: A and B respectively. A and spouse are considerably ahead, financially, of B and spouse and will likely remain that way. A and husband have repeatedly deserved...

Nearly a year ago, I asked some hernia questions and am back to provide an update. https://www.early-retirement.org/forums/f38/new-to-ppo-and-may-need-inguinal-hernia-taken-care-of-110243.html So I had the repair done a few days ago. Woke about 3.5 hours after initial entry into OR, and they...

So I went and had my hernia looked at a couple of months ago, doc said that before 65 is the age to do it if at all, it gets more complex with age (I’m 62). Told me to go think about it, and a few weeks later his office called and set up a phone follow up for another few weeks later. Spoke...

For reasons you can find, if interested, in another thread of mine, we are holding about 5 years of base* needs as cash. We also have a HELOC in place for unforeseen overages. Holding $0.5M in cash to start with feels... sub-optimal. Not only is there inflation to worry about (but at least 1/3...

We are now living in a different state than where we drew up our will several years ago. 2 kids are now grown with partners, and for these reasons and others (see below), we think it'd be a good idea to get a new one written here in CA. 1. How does one go about shopping for an attorney that is...

Sorry for length; this decision is driving us a little batty. We (62, 59) are working out a plan to manage health care costs for the next 6 years while also being able to keep our reasonably modest standard of living in the early years of retirement. I retired earlier this year and she is...

DW is in a funk because we (62, 59) didn't use Roth all these years, mainly as we didn't pay attention but also because for the last 10 years or so, our AGI exceeded the limit. We now have a rather large nest egg, 2/3 of it in a tIRA, roughly evenly split) and the balance in joint brokerage. Our...

We are aiming to drive down 2022 MAGI for ACA purposes. I am retired but DW intends to resign either Dec 31 2021 (Scenario 1) or within 2 weeks following that date (S2). In either scenario she will be paid for the last 2 weeks of December (in January) with that amount hitting her W2 for 2022...

With me (62) having retired earlier this year, DW (59) and I are working on a plan for her exit by the end of this year. Which means that, before Medicare, I have a 3-year wait and she has 6, so we are working up a plan for ACA and minimization of income to leverage this. We figure we will need...

I read about this somewhere on this forum but now cannot find it. It was a late night read so hoping it wasn't a dream :) DW is planning retirement at 59, just a few months away, when I will be 62 (already retired). As this will mean the loss of her health plan, we plan to go on ACA to tide us...

We were with Kaiser for 20+ years and if we ever knew, have forgotten how to navigate the PPO landscape. Switched to PPO this year due to premium pricing changes at Kaiser. About 3-4 years ago, the Kaiser doc advised me of an inguinal hernia (IH) and told me to 'just keep an eye on it'. This...

ACA Timing/Funding: a viable 6-year plan? Writing this as if it's December 2021. I'm 62 and retired in April 2021. DW's 59 and is set to retire at the end of this year,but whether she actually does so will depend a LOT on the approach to the situation described here. There is no corporate...

Hello all, glad to be here. After being a corporate drone most of my working career I finally had it with my bully boss and handed in my resignation in April. Didn't get 'retirement' as I only had some 8 years in and not enough age, but it had to be done. My wife is 58 and facing similar...