Recent content by KingMota

Congratulations on hanging in there. I just now saw your original post today and didn't realize it was five years old until I got to the end. I was going to recommend stay in your current job until you accumulate what we all called "F**k You money" meaning you had enough net worth that you...

I think my 1099 from cashing iBond's was under the ManageDirect tab. Interestingly, it was just a web page and not a PDF like everyone else produces. Their site is down today, so I cannot verify the info for you.

Interesting thread. I really believe in index funds and know I personally cannot beat the market. That said, I am excited about AI and I put about 1.5% of my NW in a wide variety of AI focused indexed ETF's. I researched these funds and picked ones focused on specific industry sectors and...

That may be why my wife got denied? I have been keeping reportable income low (living more off non IRA accounts) because she is getting ACA supplement, so gross income was very low. I put $75,000 on the application, but it was lower than that on my tax return.

I am retired, living off investments (about $2.3 mil NW) with no W2 income. I am 66 and not planning on starting SS until 69 1/2. If you apply for a credit card, what do you list for income? Back story: I got enamored with reward CC last year and got an AMEX card which pays 6% on groceries...

Yeah, when I stopped working I got much more conservative. The moves I made in 2022 and early 2023 to "protect" my portfolio probably cost me 5% on the downturn and 5% on the bounce. If I had just left everything alone I would be back to where I was 1/1/2022 (or close) instead of down 10%.

YTD I am up 10.68%. I got conservative after 2022 and dropped my AA to 35/60/5 when I determined I had "enough NW and wanted less risk" and interest rates were up. Mid year I changed to 45/52/3. So I benefited some from stock run up. About 12% of my equities are in AI related ETF's and...

I would not dismiss Exchme's advice of a Financial Planner. Like you, I have always made my own investment decisions and enjoy doing the research and analysis. However, your situation is complex enough that proper planning could have a big impact on your final net worth. The good news is that...

You might want to check out Tiller. It uses Google spreadsheets and connects well to various sources including Schwab. I think there is a 90 day trial and then around $99 per year after that. I have been using it for about 2 1/2 years. It has a good community that offers a lot of...

Who would be suspending in the scenario I mentioned? She would file on her own benefits in 2023 (age 62). I would file for my benefits 2027 (age 70) and she would change to spousal benefits after I file 2027. Now the catch, I think, in this scenario her spousal benefits starting 2027 would...

I went to Opensocialsecurity and it is recommending the classic strategy (my PIA is 3,650 and hers is 1,000) of my wife filing 62 yr 3 mo, me waiting until age 70 and then my wife changing over to spousal benefits when I file. Is that still an option???? I thought that "strategy" option went...