Recent content by Red Rover

That's a really great article. Thanks for sharing it. I didn't think about withdrawing from both in the same year but I really like the idea of doing so and the data indicates that's a much better way to do it. Ooh. I like that too as that builds on what Out to Lunch and the Kitces data...

Yes. The TIPS ladder is in my IRA and my plan is to withdraw those from there before I reach RMD age. That's one of the things I'm really struggling with and not sure if is the right thing to do. I could set up the TIPS in taxable but I would have to pay a lot in taxes where VTSAX has less...

I did run the numbers through FireCalc and it says 100% but I wasn't sure about my tips strategy and if doing a tips ladder as well as withdrawing from it and my IRA first is the correct move. QLAC stands for qualified longevity annuity contract. Some IRA money can be moved to the QLAC. You...

Thanks Stormy. I have loved being a small business owner but it's also scary because everything is on me and there isn't anyone to say "hey, looks like you are missing this?" or "Have you thought about this?" Good luck with your own ER.

Could you please take a look at my plan and let me know what you think? I am 56 and feel retired even though I haven't officially pulled the plug. I have income from 2 businesses that are winding down that I expect to see me through until I'm 60. When the businesses end my retirement will...

I moved from Palm Springs to FL 2 years ago next week. It's different (weather isn't nearly as hot here despite what people here think) but it's nice. There are good and bad both places. I really like being close to cruise terminals as we cruise a lot more being so close. Also, I travel...

Thank you. It's nice to be able to run this by people who are as into a financially secure retirement as I am and get their feedback.

I have always been on the no annuity train but I'm now considering a QLAC. I 'think' the QLAC is good for my situation but I don't know if I'm not seeing something I should and it will bite me later. Here is my situation. Can you please let me know, given my circumstances, whether you think I...

Don't try to take a selfie with bear cubs. The last time I was there some idiot mom tried to get her kid to get really near two bear cubs so she could get a picture. She didn't realize that where there are baby bears there are usually momma bears.

I will usually have something (eggs or beans and veggies) in an xtreme wellness wrap every day. They have 11 grams of fiber and taste good.

I moved to a large 55+ in Florida this past September when I was 53. I'm now 54. The community (Solivita) has been around for about 15 years but the section I'm in was built within the last 2 years and the final houses in this section are being finished now. Most of the people in my section...

My uncle had a quadruple bypass 6 or 7 years ago. He did absolutely nothing for his recovery. He never did any of the rehab exercises and never even followed up with his cardiologist or went to an appointment because he didn't like the traffic around the doctor's office. He made absolutely no...

To those buying Christmas gifts please consider supporting small businesses this year. Our company <shameless plug ahead>3 Bees & Me sells toys on Amazon for kids. A lot of smaller companies have to buy early so they have items in stock whereas big chain stores and big brands who have 'just in...

I use Next Vacay. It sends emails whenever there are good flight deals originating out of airports nearby. It's fun to see how cheap some of the flights are as well as all the different places that are available to go. These aren't last minute deals as they allow for more planning but some...

I get the newspaper delivered every day not because I'm interested in the news but so if something happens someone will hopefully investigate after a couple of days and check on my cat. Also, I have an Alexa in various rooms in my home so that if I fall or something I can call someone and let...