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Mine arrives on Mondays at Ally Bank. My DW's arrives on Wednesdays at USBank.

I used to meet with my new hires in a production unit. I'd close the meeting encouraging them to take advantage of our 401k. Using a calculator like this (https://www.calculator.net/401k-calculator.html) it was enlightening to see when investment growth became larger than their contributions.

I call BS. Obviously an April Fools joke. :coolsmiley:

Take a look at this at bogleheads.org before paying for an advisor: https://www.bogleheads.org/forum/viewtopic.php?t=6212 Input your answers per the format and get some pretty good, free advice.

71 and 69. 50/50 allocation comprised mainly of Wellesley and LifeStrategy Moderate Growth. This gives us Total Stock Market, Wellesley large value stocks and international/emerging stocks on the equity side. The fixed income side is made up of Wellesley corporate bonds, Total Market Bonds and...

As the table says, "conveys the strong case for diversification". I was happy to see that Developed ex-US Equity finished pretty high since I have 16% of my equities there.

“If I had more time, I would have written a shorter letter.” — Marcus Tullius Cicero, philosopher and statesman.

(Interest & dividends we spend + pre-tax IRA withdrawals)/portfolio balance = Withdrawal rate. For us it's 1.3%. Taking SS late helped a lot, I think.

Inflation-adjusted, our in-retirement annual spending has been around $113,000 the last several years. This includes property tax, sales taxes, and vehicle taxes but not income taxes. Also includes vacations, my DW's Amazon addition and some pretty good bourbons for me.

I loved Money magazine although it did lead to over-complicating our portfolio including dabbling in single company stocks. I guess too much information was dangerous for me. Thankfully I've recovered.

...depends on what thorough dental workup means. I have an image of Dustin Hoffman in Marathon Man in my head...

10% more than the close Dec 22, 5229.

Agree. I'm not smart enough to time the market, nor convinced that anyone else is either. Just staying the course has served us with more than enough after 47 years of investing.

My wife received one in October that appeared on the web. She got a letter from SSA about a week later explaining the reason.

Thanks, but I think I'll pass the religious themed financial advice. "Greed, for lack of a better word, is good."...Gordan Gekko :coolsmiley:

Congratulations! One thing I found interesting was the impact of fees on my portfolio growth. John Bogle coined the term "the tyranny of compounding costs". PBS did a segment on this. Here is a chart giving an example: https://www.pbs.org/wgbh/pages/frontline/retirement/etc/tyranny.html

Well, I give the young man props. He was out hustling work. Hope him good things (but not on my dime!)

When I was growing up my farm parents didn't have a lot of money, but my friends' parents did. I wanted to be like them, so I had the motivation to make money. I found the 'how' when I learned about 'the magic of compound interest', time being the major factor. I started investing in a 401k when...

This post is driving me CRAZY and the more I read the more AGITATED I get. /s But I sincerely hope the OP gets all the help they need.

The two best days in a boat owner's life: the day he buys it and the day he sells it. :)

Since retiring 10 years ago our life is simpler regarding child rearing, corporate responsibilities, rat racing, etc. Now our time is our time. But I wouldn't say we downsized our lifestyle. We hired house cleaners, we're taking longer & better vacations, and enjoying better restaurants. While...

We want both income and growth. We structured our portfolio for simplicity and diversification. Two balanced mutual funds give us 60% in equities: 30% Total Market (tech dominated), 16% Large Value companies, and 14% Int'l w/ Emerging. The 40% in bonds and cash provide more than enough dividends...

The same. Retired 10 years ago. Been tracking expenses since 2009. Inflation adjusted annual spending has remained pretty much the same, +/-10%. Mortgage and kids' college expenses prior to retirement have been replaced with spending on home improvements and vacations.

https://smartasset.com/financial-advisor/community-property-states This may or may not answer your question.

I have my Outlook Junk E-Mail Options set on "high" (from a list of No, Low, High). The high option warns that some regular email might be affected, I've not had any problems.