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I looked at the Finance elements when was deciding to payoff or not. I was getting to a point of not being to itemize within a few yrs which was also a factor. I owed 115k with six years to go. Took it out of a lower yield bond fund to pay it off (4% 15 yr loan). The deciding factor for me...

OP here; Circling back on some things I've found out about my 401K plan withdraw rules. If I take a monthly $ amount and stop it I can't re-start it again. Seems weird. Even though I wanted a regular paycheck of sorts to supplement my pension, I'm now leaning towards doing a one time...

I've found that home gym means basically no gym for me. Im 57 and having been going since I took my corporate job at 23 yrs old. I'm a bit strange that way and even workout on vacations. Different strokes however but now the gym is one of my social outlets as well. Before it was just in and...

Great, Thanks. Sounds like you have a good plan on allocating funds for annual and then monthly expenses. As weird as it sounds I have 3 separate savings accounts. One for property taxes, one for vacations, one that was (post tense) for my one time severance in Ally.com which is now about...

I still like the idea of a regular income stream to cover known expenses like taxes (property and Fed). It would feel more like when I was working. Definitely in new territory on this. It would be nice to see the pension check and another $1k or so from the 401K on a monthly basis. Sound...

OP here. For me I left my funds in my 401K vs roll to IRA since I'm not 59.5 and would need to tap those funds early. Our plan lets us do that without the 10% hit. But I can chose to have taxes withheld or not. Need to figure that out.

69/31 mix and YTD return of 16.4%. That 31% is a combo of Stable Value fund and bond funds. Cheers.

That's right---I don't have a paycheck with regular withholding anymore! Thanks!

Good point. I have not completely figured out my tax strategy. Do I pay as I go or just wait till Turbo Tax lets me know the damage in April of the following year? ???

Wow---snail mail is like 1980's stuff. They told me 3-5 business days but we can have it done via ETF method into my checking account. Glad you figured about a plan B. Cheers.

I was thinking what if I put a years worth of expenses in a savings account and my investments grow at 16% like this year? I realized 2017 is an exception (or is it?). I say I'm not a market timer but then find myself wondering what is 2018 performs the same as this year.

That was on the list of choices for me as well. I opened an Ally.com that yields quite well. I also like the paycheck model. Cheers.

I took a lump on the severance and did it in reverse. UE for a bit then started my pension. We can't double dip in WA state. I need to get something in writing regarding the withdraw policy. I've found with our retirement office they try hard but sometimes the answers vary depending how the...

When ER'd I opened a Ally.com savings account which I put my severance into. I drew on that for vacations and property taxes and homeowners as needed. Paid off a car etc and repaired some stuff. Now it's down to about zero. Need to check my AA as well.

My initial thought exactly as I wanted to create a regular "paycheck" so was going to do monthly transfers. I thinking it would put me on more of a budget just like when I was working. Like you say so right or wrong way. :)

The more feedback I read on this I sensing withdraw as spend seems to be the most popular strategy. My after-tax savings is quite small right now. It will feel weird to start drawing down but I guess that's why I saved for 30 years...

That is a good plan. I had not considered quarterly until getting feedback like yours. My bigger hits would be prop taxes twice a year and then vacations. I went to inexpensive places. this year like Nicaragua, Colombia, Oaxaca MX, Vietnam. Sort of got the travel bug. Ha.

I did check with the retirement office and asked about the ins and outs. The SA said if I pick a continuous income stream I can't change that value? Seems weird to me so I'm double checking that. My friend said you can change it once a year which makes better sense to me. Cheers.

Cheers. As needed might be the plan for me. Thanks.

OP here. Yes 95% of my retirement investments are in my 401K. In hindsight not the best mix of pre-tax and post tax. Yea, I'm living the rule of 55 thing with no 10% penalty. Our mix of funds is very good and super low expenses. Thanks. If 2018 is like 2017 I would be crying as well if I...

I search the forum and at risk of this being discussed many times I'm going to throw it out there. So new in terms of withdraw strategy. I'm 18 months into an ER due to Megacorp downsizing. Have posted here several times leading up to it and have really appreciated all the feedback. The...

Just checked. 11.70% YTD at 70/30 AA. Lagging fund is Diversified Real Asset Fund at 2.75%. Like others Global and Intl are doing well. Cheers.

Working out is very important to me and yes I'm on average about 6 days a week. Yoga is something I want to get back into but for some reason can't find the time. Ha.

OP here. There were two years towards the end of my career that were pretty toxic as well. I switched positions but it was too late to fix the "performance review" from a manager 1700 miles away. On the car thing I've had the Nova since 1989. It was a gig rig so to speak and I paid $600...

I stopped by T-Mobile today and discussed my current deal with AT&T. I just over a year into a 2 yr deal on an I Phone 6. I'm paying ~$90 for 2GB which I've gone over a few times already. The CS agent said yes it's $60 unlimited and they will buy out my early out fee? There is a limit of...