Holes, warts or fouls in plan?

[bbbamI]

I am 49 and stopped working 8 years ago. Got tired of Mega corp. DH is still at same Mega corp and wants to retire at 55. (He's 52 now)

I have ran every calculator available. Firecal shows 100% on the probability that we will be fine. We are conservative as our assets are 45% stocks and 55% cash and bonds. Since DH does not want to do the 72t thing, we will need to rely on after tax money until he's 59 1/2.

So, at the present time I am laddering cds. His pension will start at 55, so that will help cushion our "income".

Should I consider making any changes? Thanks

 

[Nords]

Should I consider making any changes? Thanks

You've accounted for health insurance and inflation, right?

If you've covered all the bases then there's no need to search for non-existent danger...

 

[bbbamI]

Inflation, yes. As far as healthcare goes, DH is supposed to get this benefit through his employer for the both of us.

I plan for what I know now. I guess if the worm turns, I'll have to turn with it.

Thanks for your reply...I really appreciate and respect your opinion.

 

[Nords]

I plan for what I know now. I guess if the worm turns, I'll have to turn with it.

Bernstein's "Calculator from Hell" five-part series may help you address whatever concerns are keeping you looking at calcuators. Spouse and I have stopped worrying about it.

http://www.efficientfrontier.com/ef/998/hell.htm
http://www.efficientfrontier.com/ef/101/hell101.htm
http://www.efficientfrontier.com/ef/901/hell3.htm
http://www.efficientfrontier.com/ef/103/hell4.htm
http://www.efficientfrontier.com/ef/403/hell5.htm

 

[bbbamI]

Thanks for the links! I laughed, I cried, I thought... all righty then!

Actually it makes me feel better. I have to accept that there are even more things that I can not control. DH and I can control our debt (we have none and plan to keep it that way) and have been LBYM kind of people for years. However, I will continue to educate myself and try to look forward to a content future.

So....if the day comes that I open the first can of dog food, I can say "I gave it my best shot!"

 

[martyb]

I've heard the Alpo beef chunks in gravy ain't half bad!

 

[bbbamI]

Does sound tasty...huh?

Might be too expensive though...might have to go with the store brand!