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Forum: FIRE and Money 07-23-2021, 09:26 PM
Replies: 69
Views: 5,422
Posted By Perryinva
This will be the first year it makes sense to do...

This will be the first year it makes sense to do a conversion for us. (DW’s SS & our taxable pensions mean we always have income that kills the lowest tax brackets if there is any other earned...
Forum: Travel Information 07-18-2021, 06:59 AM
Replies: 88
Views: 4,557
Posted By Perryinva
Were I single, I wouldn’t mind paying for...

Were I single, I wouldn’t mind paying for Business most times. As others said, it’s a perk of having LBYM and working all those years. It helps to look at the difference in price, not the price. A BC...
Forum: FIRE and Money 07-05-2021, 02:27 AM
Replies: 83
Views: 7,429
Posted By Perryinva
The bottom line is it is all an EDUCATED SWAG....

The bottom line is it is all an EDUCATED SWAG. Lots of engineers on this site, and we all consider the numbers and assumptions. Its what we do. Hopefully, it makes you feel better before you retire...
Forum: FIRE and Money 07-03-2021, 07:41 AM
Replies: 15
Views: 962
Posted By Perryinva
It is a nice problem to have!

It is a nice problem to have!
Forum: FIRE and Money 07-03-2021, 05:06 AM
Replies: 15
Views: 962
Posted By Perryinva
Well, zero income is a waste of low tax rate...

Well, zero income is a waste of low tax rate headroom. Zero today, much more later.
Forum: FIRE and Money 06-29-2021, 08:56 PM
Replies: 21
Views: 1,559
Posted By Perryinva
It’s been said a hundred times before. Moving to...

It’s been said a hundred times before. Moving to a different state solely because it has no state income tax is short sighted. All states get their taxes one way or another. States with no/low income...
Forum: FIRE and Money 06-29-2021, 08:15 PM
Replies: 27
Views: 2,704
Posted By Perryinva
Yawn. No sympathy. OP knew it was coming and is...

Yawn. No sympathy. OP knew it was coming and is looking for a way out. “It’s not my fault” usually doesn’t work, especially when it is.
Forum: FIRE and Money 06-22-2021, 08:50 AM
Replies: 8
Views: 798
Posted By Perryinva
Yes it does. ALL that matters is what tax rate...

Yes it does. ALL that matters is what tax rate you are paying (AND expect to pay) for money withdrawn. If the 12% bracket is something you rarely see (as in low) then always take advantage of it and...
Forum: FIRE and Money 06-13-2021, 12:30 PM
Replies: 31
Views: 6,266
Posted By Perryinva
@Andre1969: All valid points. I have no horse in...

@Andre1969: All valid points. I have no horse in the race. If you need it, you need it. It would be stupid to insist delaying is always better. It absolutely is not.

My step sons grandmother is...
Forum: FIRE and Money 06-13-2021, 11:21 AM
Replies: 31
Views: 6,266
Posted By Perryinva
In other words, if you don’t need your SS, and...

In other words, if you don’t need your SS, and just let it grow as an investment? That’s been done, (maybe not 7%, but the numbers would still work) and IIRC it showed that if you delayed till 70,...
Forum: FIRE and Money 06-13-2021, 07:02 AM
Replies: 31
Views: 6,266
Posted By Perryinva
I agree with 2017ish. Your own health,...

I agree with 2017ish. Your own health, socioeconomic position, family history etc, are all parts of betting on the future and what you want the end results to be.

If you are part of the single,...
Forum: FIRE and Money 06-12-2021, 11:54 PM
Replies: 31
Views: 6,266
Posted By Perryinva
Interestingly, they make a point to point out...

Interestingly, they make a point to point out Medicare costs at age 65 vs age 90 are in 2020 dollars but do not make the same point that SS benefits are all in 2020 dollars. The actual check amount...
Forum: FIRE and Money 06-12-2021, 08:08 PM
Replies: 9
Views: 917
Posted By Perryinva
The info would have to be the same, so how much...

The info would have to be the same, so how much different can it be? The best thing they did was institute the sliding scale “how much if I retire at this age in years & months. Very transparent.
Forum: FIRE and Money 06-10-2021, 12:04 AM
Replies: 16
Views: 660
Posted By Perryinva
If you are already retired then the current year...

If you are already retired then the current year version is close enough.
Forum: FIRE and Money 06-05-2021, 04:33 PM
Replies: 314
Views: 56,190
Posted By Perryinva
Just did the Chase new checking account for a...

Just did the Chase new checking account for a $225 bonus, with direct deposit. We had actually been looking for another bank as we have had Wells Fargo (including all the banks that got bought out to...
Forum: Life after FIRE 06-05-2021, 12:59 AM
Replies: 75
Views: 5,176
Posted By Perryinva
The Wallethub article was amusing, for the...

The Wallethub article was amusing, for the reasons listed. One can only compare similar states. Based on the article CA is cheaper to live in than WV!
Forum: FIRE and Money 06-04-2021, 12:36 AM
Replies: 301
Views: 27,721
Posted By Perryinva
People that live for today, often assume there is...

People that live for today, often assume there is no long term tomorrow. (Or just don’t care) As long as they drop dead before tomorrow catches up with them, who’s to say who had more fun? I don’t...
Forum: FIRE and Money 06-04-2021, 12:22 AM
Replies: 62
Views: 6,064
Posted By Perryinva
I think he meant $5400 not $54,000. It’s volatile...

I think he meant $5400 not $54,000. It’s volatile but not THAT volatile!
Forum: FIRE and Money 06-04-2021, 12:03 AM
Replies: 24
Views: 2,888
Posted By Perryinva
To answer qwerty3656, it depends. If she is age...

To answer qwerty3656, it depends. If she is age 67, at the time you file, and you are at FRA or later, then she can file for the spousal adder IF 50% of your PIA minus her PIA at the time she was 62...
Forum: FIRE and Money 06-03-2021, 11:35 PM
Replies: 24
Views: 2,888
Posted By Perryinva
No, she doesn’t get the greater of the two,...

No, she doesn’t get the greater of the two, though it appears that way. She always gets hers, which is as pb4uski says, based on her earnings and what age she files at. ALWAYS based on her PIA,...
Forum: Life after FIRE 06-02-2021, 06:39 AM
Replies: 79
Views: 5,478
Posted By Perryinva
Throwing bikes & kayaks in the back of a PU is so...

Throwing bikes & kayaks in the back of a PU is so much easier than hoisting them up on the roof of an SUV. I see his point. Not that it’s relevant, but I bought my 1999 V6 Dodge Dakota Sport in 2006...
Forum: Life after FIRE 06-02-2021, 06:07 AM
Replies: 62
Views: 6,125
Posted By Perryinva
Count me in on grateful for the luck of the draw...

Count me in on grateful for the luck of the draw life lottery ticket. I am surrounded by mostly older retirees (>63) and most are also quite wealthier usually because they worked longer, or in the...
Forum: Life after FIRE 05-29-2021, 04:02 AM
Replies: 90
Views: 9,249
Posted By Perryinva
This is so true. I also felt the same twinges....

This is so true. I also felt the same twinges. “All that training and work”, “is that all there is?” , “Did I live up to my potential?” During my 50’s as I contemplated retirement, all this crossed...
Forum: Life after FIRE 05-29-2021, 03:03 AM
Replies: 67
Views: 6,535
Posted By Perryinva
Yup. Coasted. No regerts. No guilt. But my career...

Yup. Coasted. No regerts. No guilt. But my career was entirely different in earnings (less) & duration (longer) and I hated sales, so YMMV. At 61, took an ERP that I predicted was coming (4 years...
Forum: FIRE and Money 05-25-2021, 08:00 PM
Replies: 301
Views: 27,721
Posted By Perryinva
Maybe to some people $100k/yr in retirement...

Maybe to some people $100k/yr in retirement income is small? That would be a pretty good disconnect IMHO, but I’m sure they exist.

Just curious, (doesn’t apply to me) but has anyone here actually...
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