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Thank you for lending a pair of eyes. Yes, that is my plan to start to build my CD/Bond ladders starting next year when I can start withdraw from 403b and reallocating my 403b/IRA portfolio from 75/25 to 65/25/10 CD-bond ladders by the time I exit stage left. This is in addition to building a...

First and foremost, thank you for lending a pair of eyes. In NR+, I used the pessimistic scenario, detailed budgeter (aka: like to spend, where I went into the detailed expenses and estimates that I have for everything), and spending needs withdrawal strategy. The assumptions that I used are...

Excellent points. Yes, in addition to 4% inflation, I have on my spreadsheet the inclusion of x% for the three phases of retirement. If I were to graph the expenses it will resemble a smile as many experts have pointed out. I have not found yet a calculator (NewRetirement+ is the closest)...

@Exchme, we are converting the tax-deferred to Roth for the last two years and will continue until probably 74 or as much as we can pay the tax in with our saved cash. Yes, I am keeping an eye on the RMD and its effect on IRMAA. I have the whole spreadsheet the movements. LOL!. As for...

Yes, it will be 100% survivor benefits for my wife if I decide to leave early. Thus, for her income when I'm gone, it'll be my pension + her ss or roughly $115k. Edit: Vice versa, if she leaves early, it'll be my pension + my ss (it's more than her ss survivor bene) or roughly $98k. I'll...

Here are the details based on Gumby’s notes: 1. Current expense is $130k with $1500 mortgage that will be completed in 2.5 years. At retirement the projected expenses will be about $127k (taking into consideration 4% inflation from now until then, removing mortgage and other expenses)...