Recent content by GKieffer

Purchase a stairlift?

It’s not. I have plenty to lose. I just have to admit to hating the idea of complying with a law basically designed to screw me. Paying $800 a month, basically funding other’s care while I get almost nothing in return. The government is slowly and systematically robbing the middle class blind...

Annuities have the highest commissions. That’s why a lot of advisors push them.

Where did you retire to? I can’t seem to get reliable information on where the best places are.

I’ve done without it all together. No insurance coverage. The plans are ridiculously priced and The only real benefit is if I have a catastrophic event. I’m playing the probabilities. I’m 54 and in good health.

I also have some limited funds ($200k) in the market, a huge cash reserve ($400k+), a side hustle (dog breeding) and a business from which I currently earn an income. However, I assume that will stop as I would probably sell the business as I approach retirement.

Plugging into FIREcalc? A COLA pension? Where would you plug the figure in?

I own three buildings, one multi-family and two commercial. Seven tenants total, all relatively long term. The buildings are 100% paid for, no debt. I pull in about $75k in rents and cash flow $52k before taxes. I am diligent about upkeep.

Means testing is inevitable. While all we hear about is L vs R, D vs R, rich vs poor, black vs white (that’s as close to political as I plan to get) what we don’t hear about is the government class vs the rest of us. They are going to protect their turf and lifestyle in retirement and means...

Great! You’ve done well. I wish I had started earlier with real estate as well.

Good luck

Yes, I have a vitamin D deficiency as well (the whole state of Kentucky pretty much). The guilt thing too! Really struggling with it as I am getting older (and more tired). I’ve actually earned a rest and still have a hard time taking one.

Pet peeves - just go with the flow like the ancient Stoics. Too many truly important issues to tackle in life.

Thanks! I’ll check it out. Big DR fan.

60/40 stocks/bonds