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All, I spend much of my financial-thinking time on - after I'm gone. How will my wife manage her finances. Like most of you, I do it myself today. There will come a time when either I can't do it or I'm not here to do it. What then? I'm not a fan of paying for a financial planner but I...

All, I have been watching my I-Bond purchase from last April (2023) and looking for some interest payment. I have read it's paid twice a year and will show as an addition to your I-Bond principle. But on TreasuryDirect it shows my original purchase of $10,000 is still $10,000. I was thinking...

So my wife and I just took our SS starting in January. Age 66 and 7 months. Just worried about waiting longer and potential adjustments to SS by Congress. I am wondering now how to calculate our withdrawal rate. We always tried to stay around 4%. But with SS we either have a monthly raise...

I know everyone's situation is different, but I'm just trying to wrap my head around the withdrawal advice I get from the Income Strategy app. When I compare outcomes of Conventional Wisdom Withdrawal (Taxable -> Tax Deferred -> Tax Free) and Opposite Conventional Wisdom Withdrawal (Tax...

So I have been struggling with a decision on passing on some money to my children. Should I use a ROTH conversion? My tax guy and my investment guys advice is that it is pretty much a wash. Either pay now or pay later. The alternative is to leave some of my mutual funds in my taxable account...

I started out wanting to do a ROTH conversion and stumbled across an excellent thread started by Midpack. In planning a ROTH conversion you need to be able to look at a bunch of scenarios. So, four software packages were discussed in the thread; 1. Optimal Retirement Planner (ORP)(Free) 2...

I have a large TIPS fund that is up 7.5% this year. It is up 0.5% today and Treasuries are down 2%. Given the debt agreement and weak economy it seems increases in interest rates for the next 6 months are unlikely. I have to take out 20% of this account at the beginning of next year and don't...

We are considering a building site in the Cliffs at Lake Keowee or Valley or Mountain Park. Does anyone have any experience with them? Or opinions? We have looked in the Bay area (too expensive), Santa Maria (too remote), Tuscon (too hot), Arkansas (too redneck). It seems pretty nice here...