Recent content by Wincherr

I mean no offense by this comment at all. Just sharing what I feel after reading it and many replies. But, it’s posts like this that make me hesitant to retire. Read into that what you will.

Me too! Been using the Honeywell’s for over 15 years with zero issues.

Grumpy Much? Wow....the things we find to complain about. The OP sounds very grumpy and negative.

YouTube TV As an alternative to totally cutting cable, I cannot recommend YouTube TV strong enough. I pay $50 a month plus a few dollars in tax. This includes unlimited DVR. The system is really slick and you get local channels as well. You can use it on multiple TVs.

I couldn’t agree more. I am 55 and paid mine off about 10 years ago. The only downside I found was that when I bought another house and wanted to own both for a few weeks in transition, I had to get a little creative with the cash. 💰

You are going to always get all kinds of answers on this. It really is a personal decision. I was in almost your exact same situation about eight years ago and had a certificate of deposit mature when the best interest rate I could get on a renewal was a percent or two. I talked to many people...

True, but I don’t they would do that.

I am suspicious they may change this rule. One more reason to quit messing around with this decision as I’m sure if I was already part time I would be grandfathered.

Great Responses I am not sure I have ever read a thread on this forum and agreed with every response that has been written. You got some really good advice here. While I saw one person hinted at this, I never saw the suggestion that perhaps you go to a part-time status. Pretirement. This is my...

You may have just released a monster! Thank you!

pb4uski, yes on the assumed tax rates. During that inbetween stage, I assumed my tax rate would be about the same as I plan to do about $100K per year in Roth conversions. And I will most likely be doing consulting work. I had rather plan on that..if it in fact lower even better.

Thanks pb4uski. I have planned on a pretty steady tax rate of about 27% (I live in NC and unless I change that we have a 5.25% income tax (but SS is not taxed here). That is factored in. My Roth conversions will keep my income up until I get that knocked out.

Here goes....thank you!! I am single. Pension/SS: $75K (Pensions fixed) Current Investments $755K (55%) IRA/401K $130K (10%) Cash $143K (10%) Taxable Brokerage $70K (5%) Roth $282K (20%) Fixed Non-Qualified Annuities (maturity dates ~ 5 years) Beyond the above, I have $500K equity in my home (I...

Thanks Thanks for the advice thus far. I’ll summarize my plan and post back here. And I’ll visit the sites above.

Good morning. Would love a little advice here. 55 YO still working full time. I will probably pre-tire Over the next five years by going part time at my current employer. We are fortunate that we get full benefits as long as we work at least 50%. My job is to perform financial analysis and...