Recent content by nbseer

98% in short-term cds paying average 2.5%. Won the game, and while I have the ability to take risk by owning stocks, do not have the need nor the desire to assume that risk.. would rather have return 'of' principal, rather than return 'on' principal.

Started taking SS at 65 so DW could get spousal benefit. Using the SS to cover living expenses and also to pay taxes on Roth conversions for the next 5 years before RMDs start. Usually need to take about $10,000 from tIRA to cover expenses.. we live pretty frugal lives so it seems to be working...

One reason to keep some Roth money in a money market is for an emergency fund. You can take it out tax-free. Comes in handy if your old clunker finally dies, or you need a new roof.

I'm the poster who had to break down and buy a new gas wall oven. When my 20 year old Caloric igniter crapped out, I bought a new one for $35, installed it following youtube videos. It lasted a few months.. bought another one, installed it, would not glow. Got an appliance repair guy out, he...

Frugal... until... I'm frugal in most of my spending.. until disaster strikes! Just had my 25 year old gas oven crap out. Having to buy a new one and it ain't cheap! Makes me glad I don't blow a lot of my retirement money on stuff I really don't need.