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Forum: FIRE and Money 09-16-2021, 10:59 PM
Replies: 49
Views: 2,954
Posted By N02L84ER
Now that the Secure Act was passed, when the mega...

Now that the Secure Act was passed, when the mega Roth and IRA holders die the funds pass to the surviving spouse but after the spousal death the funds typically have to be distributed within 10...
Forum: Health and Early Retirement 09-14-2021, 12:03 PM
Replies: 7
Views: 416
Posted By N02L84ER
Just be aware that after x years (I think it is 5...

Just be aware that after x years (I think it is 5 years) of not paying into Medicare you will no longer be eligible for Social Security Disability.
Forum: Other topics 09-13-2021, 01:26 PM
Replies: 268
Views: 16,576
Posted By N02L84ER
I agree. Get well soon!

I agree. Get well soon!
Forum: FIRE and Money 09-12-2021, 02:20 PM
Replies: 90
Views: 6,792
Posted By N02L84ER
Before age 59.5, there can be a 10% tax penalty...

Before age 59.5, there can be a 10% tax penalty for withdrawing from an T-IRA but not for doing a Roth Conversion.
After age 59.5, if you have enough money in a taxable account to live on and pay...
Forum: FIRE and Money 09-11-2021, 08:54 PM
Replies: 5
Views: 686
Posted By N02L84ER
Did it declare LTCG, STCG, and Dividends? My...

Did it declare LTCG, STCG, and Dividends? My FLPSX fund did on Friday.
Forum: FIRE and Money 09-11-2021, 12:46 PM
Replies: 97
Views: 6,412
Posted By N02L84ER
When DH retired, we had 3.5 years of cash. Three...

When DH retired, we had 3.5 years of cash. Three years later, we were down to a half year of cash and were in the middle of the Great Recession. Luckily, I was still working part time and was able...
Forum: FIRE and Money 08-22-2021, 10:59 PM
Replies: 87
Views: 4,875
Posted By N02L84ER
Yes, I model it in a spreadsheet. I calculate...

Yes, I model it in a spreadsheet. I calculate loss of SS, currently assume a 20% cut in expenses, calculate taxes at the single rate after the death of the first spouse, and determine if Roth...
Forum: Other topics 08-15-2021, 01:08 PM
Replies: 127
Views: 4,986
Posted By N02L84ER
I took Diff EQ in college in 1981. I could not...

I took Diff EQ in college in 1981. I could not fit it into my regular schedule, so I did it "offline". HaHa! The instructor was in St. Louis, I was in Columbia, MO. I would get a letter in the...
Forum: FIRE and Money 08-15-2021, 12:33 PM
Replies: 17
Views: 799
Posted By N02L84ER
I do not think you are allowed to Roth convert an...

I do not think you are allowed to Roth convert an inherited IRA.
Forum: FIRE and Money 08-09-2021, 09:21 PM
Replies: 11
Views: 935
Posted By N02L84ER
This is my understanding. You can take out the...

This is my understanding. You can take out the $5K tax and penalty free after 5 years. Taking out the earnings before 59.5 would be taxed and there is a 10% penalty for early withdrawal.


UNDER...
Forum: Health and Early Retirement 08-09-2021, 03:43 PM
Replies: 33
Views: 1,280
Posted By N02L84ER
I want your time machine. LOL. "I...

I want your time machine. LOL.



"I did not get an official diagnosis until September 2021"
Forum: Life after FIRE 08-09-2021, 03:01 PM
Replies: 1,680
Views: 187,184
Posted By N02L84ER
The juxtaposition of the two posts made me do a...

The juxtaposition of the two posts made me do a double take also. Tmm99 referenced Philliefan33 (Post 1644 was a photo of beautiful cookies).
Forum: Health and Early Retirement 07-28-2021, 01:22 PM
Replies: 25
Views: 702
Posted By N02L84ER
Another vote for Fidelity.

Another vote for Fidelity.
Forum: Other topics 07-26-2021, 01:34 PM
Replies: 156
Views: 6,281
Posted By N02L84ER
+1

+1
Forum: FIRE and Money 07-23-2021, 02:57 PM
Replies: 11
Views: 634
Posted By N02L84ER
We plan to bump the number up considerably after...

We plan to bump the number up considerably after we are off of ACA health insurance. I am just trying to get Meleana to realize that doing at least a small conversion may not cost her much at all.
Forum: FIRE and Money 07-23-2021, 02:43 PM
Replies: 11
Views: 634
Posted By N02L84ER
We are living solely on our investments also. If...

We are living solely on our investments also. If we did $0 Roth conversions, our federal taxes would be $0, but we would be giving up tax free conversions. So, we do at least enough conversions to...
Forum: FIRE and Money 07-18-2021, 09:22 PM
Replies: 121
Views: 11,952
Posted By N02L84ER
I retired at 52, DH retired at 45.

I retired at 52, DH retired at 45.
Forum: FIRE and Money 07-13-2021, 05:24 PM
Replies: 178
Views: 12,561
Posted By N02L84ER
I have the ability to update while on vacation or...

I have the ability to update while on vacation or visiting family, I do not have the desire.
Forum: FIRE and Money 07-13-2021, 01:40 PM
Replies: 178
Views: 12,561
Posted By N02L84ER
When we are home, I update daily. Otherwise, I...

When we are home, I update daily. Otherwise, I have no problem waiting a few weeks until I get back home.
Forum: Other topics 07-13-2021, 01:38 PM
Replies: 88
Views: 3,851
Posted By N02L84ER
I loved my job and only quit because of the...

I loved my job and only quit because of the commute. Did not vote.
Forum: FIRE and Money 07-07-2021, 04:41 PM
Replies: 106
Views: 6,191
Posted By N02L84ER
or when one of you dies and you have to switch to...

or when one of you dies and you have to switch to filing as single instead of married filing jointly.
Forum: FIRE and Money 06-29-2021, 01:59 PM
Replies: 5
Views: 868
Posted By N02L84ER
We have owned shares of VIGAX in a taxable...

We have owned shares of VIGAX in a taxable account since 1998. Around 2006, we had deductible losses on sales. At the time we were thinking "what a lousy investment", but we held onto our shares...
Forum: FIRE and Money 06-18-2021, 02:40 PM
Replies: 15
Views: 1,313
Posted By N02L84ER
I don't think your indexing number is final yet. ...

I don't think your indexing number is final yet. The average wages I quoted were for 2018 and 2019. The 2020 average wage has not yet come out and I believe it will be the final number used for...
Forum: FIRE and Money 06-17-2021, 10:57 PM
Replies: 15
Views: 1,313
Posted By N02L84ER
It goes up by inflation after age 62. Until age...

It goes up by inflation after age 62. Until age 60 it goes up by the National Average Wage Index Series which went from $52,145.80 to $54,099.99 at the last update. This was a 3.75% increase.
Forum: Other topics 06-12-2021, 05:43 PM
Replies: 67
Views: 3,635
Posted By N02L84ER
Congratulations!

Congratulations!
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