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Thanks for the tip on the 'Blue Card'. This whole domicile concept is sort of nebulas to begin with. What would prevent me from just signing up on the Florida exchange (Healthcare.gov) ? I suppose I'd need a mailing address, which is a problem that the many full-time RV's address with a mailing...

FWIW; PayPal 'Savings' (where you keep excess funds and earn interest on them) is actually FDIC insured; PayPal Savings Funds deposited into PayPal Savings are held at Synchrony Bank, a member of the FDIC, and are eligible for up to $250,000 in FDIC insurance" As others have already said...

So you've been with the Christian Healthcare Ministries for a while now? Assuming it's been working for you. I've been skeptical of this approach, but seems like it's been around for a while now..

I'm slightly younger. I get the same tests but I've noticed a difference over the past few years.. On the prostrate test they seem to just look at the PSA from my bloodwork rather than do the finger up the rear end thing that was never fun in the past. My cholesterol was 'borderline' so one of...

I'd say you're lucky to have Kaiser - especially if you have coverage in both Oregon and Cal on the same plan. I have 'Regence BC/BS' which is the closest thing to 'BC/BS' that you can get in Central Oregon. There is a BC/BS down here in S Texas, but NO overlapping coverage at all with my...

If the OP is coming into an out of the country each year, it seems like a stretch to claim he's 'moving' back to the state each time to trigger an SEP. But maybe that's indeed what the rules state. What if he's gone for 3 months? Stop and then restart the plan via SEP each time he comes back? If...

So I've been FIRE'd for over 10 years and have enjoyed a slightly subsidized ACA plan by keeping my MAGI under the 400% of the FPL. But things have changed.. kids have moved on so the family size is smaller (making the 400% FPL harder to maintain) and with a booming stock market I'll be doing...

What a lively discussion! I'm 100% behind the camp that thinks increased deficit spending, high tariffs, and mass deportation of millions of working age people will drive inflation way up. Not sure all those things will actually happen; but that's the current narrative I'm working with. I'm...

Glad I'm not the only one who's had to struggle just to understand this and thanks Cathy63 for being smart enough to find (and POST!) the right answer from Google. 2020 was a confusing time since people kept quoting me rules from the new Secure 2.0 act and they were having a hard time...

Thanks! So a Roth is treated just like a Traditional IRA and you MUST take RMD's on it.

So much confusion about inherited IRA's before and after the Secure 2.0 ACT. This forum has been great on clearing it up! I inherited a Traditional IRA and a Roth IRA from my mother back in 2019. I've been taking 'stretch' RMD's every year since on both accounts. 1st: Is it safe to say that...

So glad you brought this topic up again for clarity. So is the OP able to do the 'stretch' RMD because he inherited the IRA prior to 2020 and not because of his disability (which could have enabled the 'stretch' rules by making him an EDB). An article from Kitces.com was referenced previously...

While I respect the will of the moderators to limit the discussion of CryptoCurrency based on an intent to 'protect the consumer'; I think the facts and trends merit a second look into this policy. Things have changed a lot from Jan 2023 and we're clearly moving towards more common sense...

I voted 90's based on the fact that my dad is doing well at 84 and DW's mom is lost it at 93. That 'when will you know' part is key. I watched her burn through 10's of thousands per month of extra spending before convincing DW and her brother that things were not right. It was surprising (and...

My new Google Pixel 9 has a satellite based 911 option (to make emergency calls when there is no coverage) and I was curious about the network that it's connected to in case anyone on the forum knows. Really happy to see more cell phones with satellite connectivity, obsoletes the InReach I've had.

Years retired :7.5 (both me an DW) Pension and SS: $0, SS is still at least 10 years out and I'm a skeptic - not counting on anything from it - but both DW and I have made enough contributions to get a decent monthly check if things stay as they are Investible assets: ~3.3X the value at...

Hmmmmm, maybe you should spend 1 minute googling the "Peterson Foundation"? You will be enlightened to find that it's much more than Pete Peterson. Or maybe you think his ghost is doing all the recent work???? Any thoughts or comments about the national debt and the related unfunded liabilities...

Is there some magic debt to GDP ratio that all of the sudden changes everything for you? I'm not sure how to read your comment. I've got an idea, if that is what you are really asking... if existing debt / GDP is over 100% already and we have about $22T of debt now. Then it appears that we've...

Why? Myra Adams? Can't say I know her or much about her other than what is at the end of the article. I've read a lot of similar things on a website by the Peterson Foundation. They seem to be interested in this sort of thing and not obviously biased towards one political party or the other. I...

While I worry about the national debt, I worry even more about our nations unfunded liabilities. That is the amount of money already owed or promised to American citizens but without the funds to fulfill those obligations. Recently, I read that number was up to $122 TRILLION!! Much of those...

Based on my limited knowledge of the subject I would guess that most (or at least those who are FIRE'd) on this forum are 'accredited investors'. You either have to have income of over $200K or over $1M in net worth not counting your primary residence...

I too have run into some of the warts related to this platform. For example, I learned right off the bat that trading options (or even stocks) with limit orders doesn't work all that well. So I had to finally just give up on the volatile options since I couldn't get them to trade the way I...

Interesting thread, my plan has always been to 'die broke' but not be broke the day before. ;) A potential inheritance complicates the plan a little bit since my MIL has a fair amount of assets and the same goes for my own aging mother. In the mean time, MIL wants DW (and me too I guess) to...

Ok this is making a little more sense now. $147K seems too high since it implies the cost of the house was $213K and it was $215K. Plus it doesn't include the repairs required to make it habitable. 25% tax on depreciation! That sounds steep since the marginal tax rate for many probably isn't...

So is that 7.5% of regular taxable income - like money from a j*b. Or is it 7.5% of AGI (or MAGI)? I ask because I have mostly interest, qualified dividends and LTCG and almost no 'income' in the pre-FIRE sense of the word.