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Search: Posts Made By: Hdhead
Forum: Life after FIRE 02-23-2021, 10:05 AM
Replies: 180
Views: 11,628
Posted By Hdhead
I am just like the OP only 10 years into...

I am just like the OP only 10 years into retirement. We are the most unassuming multimillionaires you will ever meet. No one knows our net worth, not even our kids. Only problem is I find it...
Forum: Life after FIRE 07-20-2020, 11:29 AM
Replies: 86
Views: 7,123
Posted By Hdhead
We are from WI. Bought a home in the Palm Beaches...

We are from WI. Bought a home in the Palm Beaches area in 2011 (luck, bottom of Market). Became FL residents, spend 6 months. Huge savings on real estate tax and of course no state income tax. Like...
Forum: FIRE and Money 04-24-2020, 01:09 PM
Replies: 737
Views: 53,869
Posted By Hdhead
This whole thing is a circle jerk. Both wife and...

This whole thing is a circle jerk. Both wife and I are on SS with direct deposit. According to all directions I have seen says the money will be auto deposited in that account. Iíve been checking...
Forum: FIRE and Money 01-21-2020, 08:32 AM
Replies: 30
Views: 4,316
Posted By Hdhead
I have had zero income since I was 52. Now am 66,...

I have had zero income since I was 52. Now am 66, just started receiving SS. There was no reduction in the amount reported since I stopped working. Just small incremental increases in the amount due...
Forum: FIRE and Money 01-09-2020, 08:40 PM
Replies: 107
Views: 9,344
Posted By Hdhead
OP here. Yes I believe you are about right on #6....

OP here. Yes I believe you are about right on #6. Donít have issues with the others except #4. My 2 boys, now 37 and 35 still joke about me always telling them to turn the lights off and donít let...
Forum: FIRE and Money 01-08-2020, 04:59 PM
Replies: 107
Views: 9,344
Posted By Hdhead
Help me spend money

I really do enjoy my life, donít really need more or better stuff for enjoyment. We are living far from destitute. Snowbird with 2 homes. Cars and jewels do little for me or wifey. I did just made a...
Forum: FIRE and Money 01-08-2020, 11:18 AM
Replies: 107
Views: 9,344
Posted By Hdhead
A must spend account may be what I need to help...

A must spend account may be what I need to help force the issue. May force a spending spree on stuff I would never even consider till now. Or maybe I need a shrink :-)
Forum: FIRE and Money 01-08-2020, 09:45 AM
Replies: 107
Views: 9,344
Posted By Hdhead
Help me spend money

Wife and I have lived a fairly frugal life. Have always saved maximum for retirement. Well, we are there and now with pension, SS, dividends, company stock, and multiple IRAs and 401kís. I am...
Forum: Health and Early Retirement 04-27-2017, 06:51 PM
Replies: 34
Views: 2,575
Posted By Hdhead
We moved to FL this year after retirement. Still...

We moved to FL this year after retirement. Still maintain a home in WI also all our doctors are in WI. Went with a Blue Select bronze HSA plan with national coverage. We are 63/61. $1400 month before...
Forum: FIRE and Money 03-31-2017, 11:24 AM
Replies: 37
Views: 5,184
Posted By Hdhead
Started taking 401k withdrawals in 1999, after...

Started taking 401k withdrawals in 1999, after ending employment with the company, at age 46 at a rate of 56k per year with a balance of 800k (I know, young and aggressive). Amazingly after 17 years...
Forum: FIRE and Money 03-14-2017, 04:17 AM
Replies: 87
Views: 6,708
Posted By Hdhead
The only reason I physically go the bank these...

The only reason I physically go the bank these days is to cash out my piggybank, just like when I was 5 years old. :-)
Forum: FIRE and Money 01-04-2017, 07:19 PM
Replies: 43
Views: 4,597
Posted By Hdhead
Florida tile roofs are pricey. Mine is single...

Florida tile roofs are pricey. Mine is single family 2450sqft one story that cost 25k to reroof. Requires a sealed sub-roof under the tiles, then the tiles have to be cemented into place to pass...
Forum: FIRE and Money 01-04-2017, 05:59 PM
Replies: 43
Views: 4,597
Posted By Hdhead
Yup, mine has a $350k market value.

Yup, mine has a $350k market value.
Forum: FIRE and Money 01-04-2017, 03:21 PM
Replies: 43
Views: 4,597
Posted By Hdhead
We own a second home in Florida. Honestly, would...

We own a second home in Florida. Honestly, would not have considered it unless I could buy with cash, which we did. Bought in 2011 (I was 57 years old) when market was beat up and now has appreciated...
Forum: FIRE and Money 12-10-2016, 06:47 PM
Replies: 14
Views: 1,615
Posted By Hdhead
Nope, separated from the company many years ago.

Nope, separated from the company many years ago.
Forum: FIRE and Money 12-10-2016, 12:43 PM
Replies: 14
Views: 1,615
Posted By Hdhead
Thank you for the tip. I did exactly that and got...

Thank you for the tip. I did exactly that and got a very thorough response from Alan S. He is obviously a very, very wise and knowledgeable man. Unfortunately I am not eligible because I took a...
Forum: FIRE and Money 12-09-2016, 09:00 PM
Replies: 14
Views: 1,615
Posted By Hdhead
I took periodic withdrawals for a few years and...

I took periodic withdrawals for a few years and have not taken anything for the past 3 years. Paid regular income tax on all the withdrawals. I've read all IRS publications but do not definitively...
Forum: FIRE and Money 12-09-2016, 06:39 AM
Replies: 14
Views: 1,615
Posted By Hdhead
401k NUA Tax Strategy

Question - I have a sizable portion of company stock with a large NUA value. I inquired with the 401k administrator and they advised me I could not use this strategy because I took out withdrawals in...
Forum: Health and Early Retirement 10-25-2016, 12:07 PM
Replies: 24
Views: 2,990
Posted By Hdhead
Thanks to both for your input. Don't have any...

Thanks to both for your input. Don't have any restrictions on limiting 401k distribution so this appears to be a no brainer if I want to get the subsidy. Cool!
Forum: Health and Early Retirement 10-25-2016, 10:54 AM
Replies: 24
Views: 2,990
Posted By Hdhead
Reducing Income to Qualify

I'm new here been reading but not sure about my situation. I'm retired age 63, wife working (for health insurance) age 61. She wants to retire. We have pension, dividend and 401k income of about 90k....
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