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I forgot about this forum. It's great to hear people not "needing" multiple millions of dollars in retirement. I'm the type who could get away with a million comfortably at age 60 y/o. Of course I always want to increase that amount "just in case". Threads like this remind me that I have enough...

When I was in my 30s I was in nursing school. I was with a bunch of low income earners so I figured I'd wait until I was working in a hospital to date someone who was making a decent income. Well that didn't happen because everyone I was interested in was already in a relationship. I changed...

A month ago my brother was complaining how he always gets screwed over and that's why he doesn't have money..... Just 2 weeks ago we each received a small inheritance. My inheritance is going to be invested while he is going to use his money to go to Jamaica and buy a new Iphone. :facepalm:

I'll be eligible to pick FEHB at 62 y/o if I choose to "postpone" my retirement. I have done a fair amount of research on choosing FEHB and/or Medicare B. What I'm not sure of is Medicare Advantage so I'll have to look more into that. Thank you This is good info, thanks Thank you...

In 3 years I'll have to choose if I should take FEHB or not. The insurance choice also plays a part in my decision to pay off my mortgage or not.

6 years....I am going to apply for ACA next year at age 59. I can then start FEHB at 62 y/o or stay on ACA until I'm 65 and then apply for Medicare. My MAGI will be under 40K until I'm 65 y/o.

I'm trying to decide when I turn 65 and had to pick between the two options listed (Medicare vs FEHB) which would benefit me more. I'm a single male with minimal medications and a relatively healthy medical history. My family history is also relatively healthy. I usually pick the least...

I'll have to give this a look, thanks Gotcha, thanks Great, if I overestimate a bit it's not the end of the world I noticed the larger dividend distribution in my Dec/2022 statement, thanks for the heads up. I'm going to do more homework but I have a much better understanding of this...

If Roth Conversions need to be performed before the end of the year, how can you get within 133% and 150% FPL without knowing your end of year dividends (1099DIV) from a brokerage account? Could I just look at my November's brokerage account statement and estimate what end of year will be?

Ok, I see. That's what I was assuming from reading through other posts. Thank you

At this point I'd be below 133% FPL which would place me in one of the "Medicaid" plans Massachusetts offers. What are the cons for being on Medicaid? Is the reason due to less choices in health plans and care providers? Is there anything else I should be concerned about with having a low MAGI?

Thanks. Customer service isn't going to tell me to apply for COBRA, are they? Another "newbie" question. From that point going forward I just need to provide an estimate of the continuing years' projected MAGI and if I'm over or under I will either get a bill or refund when I'm submitting my...

I did a "dry run" of the ACA application (Massachusetts) and got to an income discrepancy. The income I reported is much less than it was last year and I was given the choice to choose "Stopped working at a job" as to why there is a discrepancy. Will I need to provide any other information with...