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Thanks for the link to the well written article. I, for one, am happy to be part of this quiet, rambling corner of the ER universe.

Congratulations! I'll be very happy if I'm still active & doing all the things I love today when I'm your age.

Congratulations! Thanks for sharing. We were surprised at how much we just like doing things close to home - and there is always stuff to do.

Thanks for taking the time to write that lovely piece. Congratulations!

How much extra were you willing to pay for premium seats? I would use that as a guide. We've found that the economy premium seats on United/Lufthansa make for a much more comfortable overnight flight. For us, the extra leg room gives the best value. We're not tall, but being able to stretch our...

So true. We forget that we, as a group, are very savvy financially & have above average wealth/incomes. I found this spreadsheet online that calculates 20 year costs of a few medicare options with some (to my non-medicare age ears) reasonable assumptions. Since it is a spreadsheet, you can make...

Is there a way to change to a dark background - my eyes are burning! :) Thanks for updating the software.

Thanks for the post. It is always good to be reminded that only part of my good fortune was based on my efforts.

I tried a simple version of your query " "Find me a route by road from Spokane washington to Orlando. Maximum daily distance of 400 miles" ..with Google's Gemini. It showed me the google maps route & asked me to break it up into 400 mile segments. Very disappointing. CoPilot was a bit...

Look for classes geared to older adults that includes weight training & cardio. You'll go at your own pace and do more as you get stronger. My 89 year old FiL goes to Silver Sneakers and chair yoga classes 5 days a week. He even tried a zumba class for a while. Besides the exercise, he gets some...

Good for you! The only time I walk that much in a day is on a hike later in the summer when we have some hiking miles under our belt for the year. I love walking. It always puts me in a better mood (I'm usually in a good one). And I like being outdoors - a walk on the treadmill doesn't do it...

I don't think you're going to get a definitive answer here, but I believe your thinking is right. Your relative has to create a user on the system & then log into their microsoft account (if they wish). BTW, Microsoft will sunset Windows 10 next year (2025), so there will (may?) not be any more...

I didn't see the Palouse being mentioned. If you're in eastern WA (near Walla Walla or Spokane), don't miss it.

I agree with exchme - use the bogleheads spreadsheet or pralana gold. Taxes have complex interactions and it is better to use a vetted tool that has a large, interested audience & is updated regularly. To explain your plan to another person, use graphs rather than a spreadsheet.

It has been very informative indeed. If you can afford the Plan G premiums today and could afford 2x to 3x the premiums in the future, it is definitely the simpler of the two plans. The amount you potentially save with a plan N may not mean much to someone with the means to afford the...

I found this Youtube video by a retired guy who compares Plans G & N. He shows the analysis he did to make that decision and states that 2 years in, he's happy with his choice. An interesting data point - the co-pays in plan N are legislated to be $20/doc vist & $50/ER visit. They are not...

We were in NJ when we ER'd so guaranteed issue even before ACA, but the community rating premiums were very high. We applied for insurance in CO before finalizing our move. If we were denied, we would have had to change plans, but luckily, we were approved. We moved and ACA came around a...

That's great information, Sengsational! Thanks for sharing your research

Thank you. Much appreciated.

This is the first time I'm trying to use EFTPS to pay estimated tax. I don't see a 1040-ES form in EFTPS. Do I just select 1040? If someone can help list the steps, I'd appreciate it. Thank you.

As explained in the article, risk, in this case, is the probability of your portfolio supporting your withdrawal needs for the rest of your estimated life. You estimate that risk by seeing how your plan would have fared historically or use a monte-carlo simulation.

Another way to look at variable withdrawal rates based on market performance & longevity. https://www.kitces.com/blog/guyton-klinger-guardrails-retirement-income-rules-risk-based/ In the article, the guyton-klinger guardrail method is viewed as flawed because... Instead, the use of risk-based...

Is there a source where you can find out if companies "Close the book" or how often they do it?

In Colorado, it looks like the AARP/UHC plans are the only Community Rated ones https://drive.google.com/file/d/1iMgDgxNHiVWE28jEq63XMTOkdCmrU9mb/view The above is a link from this page: https://doi.colorado.gov/insurance-products/health-insurance/senior-health-care-medicare

Good review. For people on these forums, it is probably all old hat & most have their own ways/formulas for saving money. Otherwise, they wouldn't be here. But that doesn't detract from the value of a book like this. Coincidentally, the first time I heard about this book was earlier this week...