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On the surface level, I agree: I don't have to do anything. But on many deeper levels, I reject this notion. Most of my life, I have been guided by a sense of mission: to serve and to give back to this thing we call consciousness. To have my life mean something to someone (maybe only one...

I am four months past the loss of a good friend of 30 years. Watching her in a nursing home bed for five months, wasting away was very hard. Now I watch another good friend of 25 years in dementia. He is 70. I have had some health challenges, none chronic but definitely a jolt to someone who...

Two years is exactly the time I went through that period. Seems to me I had to get to an emotional low point to have an emotional breakthrough. I was walking the track at my gym feeling useless when I saw the scene of a play in my mind. Not an existing play.. one I was to write. I am now on play...

Two years ago, I had an episode where I was walking and felt totally awful. I thought it was a sugar low. I made it home and had something to eat-- then I felt nauseous. I was scared, until a little Voice inside said: "Have some water." I had probably 2- 32 oz. glasses. I felt better but TMI...

Grand Purpose in Retirement After my mom died, I felt pretty much at sea for two years. I did the type of activities the OP listed-- perhaps compulsively. They did not fulfill me. I was walking the track of my gym when I had what I can only say was a vision of two people talking to a high...

The $400 difference per month is SS at 64 vs. FRA. I have conflicting ideas about the advice. Of course the advisor cannot predict a recession. No one can. I cannot predict how long I might live, or live life with good health. To be honest, the driver for me is that I hate talking all my cash...

I'm not sure I get this comment. Do you mean that one must declare SS as income towards calculating any ACA subsidy? l know that... My advisor just suggested I file for SS, effective on my 64th birthday. They think a recession is coming in 2020 and this will reduce what I need to take out from...

Thanks to all who posted so far; I was way in too much a hurry on my first post. I am "only" 63, my death is not imminent (I think :)), and I am in excellent health. So good I may very well outlast my two friends in the first two POA positions. That is why i am so concerned looking way out. I am...

I've been pondering this one for a few weeks and realized this is a good place to get some other ideas. I have all my documents in place for when I become incapacitated or die. I have a first POA/executor, a backup should the first be unable or unwilling to serve, and even a third. The...

ACA in COBRA eligible situation My experience: ACA software asks if you are eligible for COBRA. Say yes and "it" turns you down.

I moved 3/18 to MINT and like it very much. Mint does everything I need to for taxes and I always budgeted offline.The download goes smoother than Q2016 if my bank doesn't have a hiccup.; then I am out of synch for a day or two.

This was my experience when I was 51, 12 years before I actually retired. It may or may not be useful to OP. I had a high level job that was in a very dysfunctional nonprofit, with an Executive Director having what proved to be an emotional breakdown. During that summer while they searched for...

You add in what you think you would get for SS over your life into that estimate, yes? Otherwise I left too early!

On if Neptune Society goes out of business, I asked that. The money you pay goes into a federal trust account in your name. If they go out of business (you change your mind or your family does), your or your estate gets the money back in full. To the posters doing the ScienceCare route: What...

Of all the things I have planned for, I haven't taken the step of planning my funeral. I am seriously thinking of pre-paying for my cremation with this organization. Anybody have any info (dirt) on this organization. I also wonder whether to pay now or just let my executor know of my wishes and...

If you had anything like my training, you will never FULLY materialize the notion that you will have enough money. This is a "fake it until you make it lesson" for me and probably will be for some time. I like your idea of trying something you want to do, despite the "monay". I did this at age...

I get OP's issue loud and clear. I still worry if I have enough. (I am 100% on FIRECALC with generous, even outrageous numbers for spending and longevity. In my own projection, I lowered rate of return to 2% and my take to 5%, and NW went down only $100K by age 70. I'm 63 BTW). The fact that...

I am living easy on $40K before taxes, with vacations and with $4K payoff of LOC now $21K. Major aspects of policy (up)dated 2011: There is a 90 day elimination period. Daily max is $100, lifetime max is $146K. Both amounts increase 5% each year. Home care is 50% daily max amount.

I know I saw posts on this a few weeks ago but I can't find them. I have a decision coming up this June and really can't come to a conclusion. I'm going to be 64 soon. Nest egg is $825K. SS will be $28K a year at 66 1/3. No spouse and no kids. I am intending to leave about $25K to some...

My carrier sent me a letter indicating an increase based upon my estimated subsidy. Next year will be the first year totally on nest egg distribution and in signing up, I was pleasantly surprised to see that with the larger subsidy, my effective increase would be $20/mo. I dropped to the next...

I completely understand your frustration with ACA. But for me, the true vent should be the way health care insurance is "set up" in the first place. Why should someone "traditionally" employed for a company be able to get good or excellent coverage, for no or relatively modest contribution, vis...

Pb4uski: Yes, your factoid totally demolishes my statement. More to the point, it proves how stupid I am and in need of help, apparently. Of course I could have made more IF I had analyzed and understood the 1000’s of offerings, IF I picked the right vehicle (and only that one... bad...

I am in the despised minority here, but not everyone is a financial expert nor wishes to be. I am an MBA and yet I did not feel I could do this job alone (in my non-existent spare time). I have been with Ameriprise for 23 years now, with two different advisors. They took my initial portfolio...

When I left my last job two years ago and looked into healthcare.gov, the algorithm at that time asked if I was eligible for COBRA. If yes, you could not go on ACA. So I think the question is, do you wan to pay for that freedom?

I know this will raise lots of "bahs!" from others on this forum, but I would add : "Obtain expert help where and when you need it... but ask a lot of questions before following that advice." With me working six days a week (at two jobs) and doing the various activities of life and family...