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I have long used spreadsheets to track both monthly expenses and investments. I started on a desktop using Excel, migrated to a laptop but for the last decade it has been my iPad. I have used both the free Numbers app and Google Sheets. Both can access stock and fund values.

Be very careful - the PA for ophthalmologist told me that no reputable ophthalmologist will even attempt to replace an implant. It is not removable in the same manner as your original lens. I would get a couple of opinions first.

> 2014 $70 (Plan F high-deductible) > 2022 $105 That is a 50% increase, less than Part B. If I include premiums for Parts B & D, it is a 59% increase. That means premiums have increased 3.5 times more than Social Security payments. > nine years > Premera - WA State Premiums here are...

Another vote for a Roth and a total stock index fund. Perhaps a 10 or 20% Bond index so she can see how they perform during market swings. In addition to automatic investments, perhaps you can show her the value of employer matches before she gets a 401k qualified job. If you can afford it...

My experience & opinion weighs against Smart TV apps. - they tend to be slower since TVs use the cheapest CPU they can - update cycles are slow and few - the apps tend to be pretty crappy compared to streaming device apps I don't even connect my TVs to the internet - don't need them spying on...

When I started at age 65 104.50 Part B 12.60 Part D (bare bones - no serious med needs) 70.00 MediGap F (high deductible) -------------- 187.10 monthly At age 72 148.50 Part B 17.60 Part D 96.00 MediGap F (high deductible) -------------- 262.10 montly 40% increase while SS has...

Another 3 fund devotee here. After 20 years with a major-firm advisor/broker who took care of my old IRA, I dropped him and went 3-fund. Did that eight years ago when he proposed a portfolio combined with my larger 401k. The 1% fee for that would have equaled 25% of my SWR! After 12 years of...

I guess I am not a Detroit Iron kinda guy...Here are two of my fairly obscure cars.

3M in investible assets after starting retirement eleven years ago with 1M.

Never really thought about being overfunded but at 72 with 27x spending, perhaps we are. Spending is not lavish and I expect to leave the step-kids a bunch. Current 50/50 AA seems odd since I stayed at 95/5 well into retirement. Over the last few years I have been moving profits into a 3.25%...

This gave us pause... https://www.thecrimson.com/article/2020/11/7/free-fall/

I too take only two generic meds and never hit the deductible. My experience with Humana has shown the following annual increases in the monthly premium - 12.60, 15.70, 18.40, 17.00, 20.40, 26.60 and finally last year, to 53.60. I finally paid attention and found that I had been upgraded to a...

We have been on Medicare For six years. It costs us $250/month each for Medicare + a high deductible MediGap F + the cheapest Part D Drug plan. No copays, deductible (never reached) for MediGap & Part D is ~ $2600. Generics drugs & a couple of annual office visits are not tracked. So, the...

Regarding research into antibodies in llamas... There once was a gaucho named Bruno Who said screwing is something I do know A women is fine A sheep is divine but A llama is numero uno

Staying the course worked for me. I retired a month after the market bottomed in March 2009 - 95% stocks. I lived of cash & taxable savings and I did nothing with my 403b for the first 5 years. Over the next 5 years I moved it to 50% stocks. Now, even after two years of RMDs from the 403b it...

I recommend reading the "The Not So Big House" books.

IME, Yes. For the past few years, DW & I have been spending about $40k on food, housing, cars and medical. SS is our personal 'fun' money. (HCOL area, own home & cars)

50% stock index funds (15% of that Intl) 10% bond index 15% TIAA Real Estate 25% TIAA Traditional (stable value returning 3.25%) I consider the last two as 'non-market' and they would cover 12-14 years of RMDs. No debt.

I took SS at 63, to avoid drawing down tax-advantaged accounts. Last year, at 70 I ran the numbers based on real returns (CAGR of 9.3%). Because of lower balance, my RMD at age 70 would have decreased by ~$8K annually. My SS would have increased by ~$14k...

I started 20% when I realized two things 1 - European servers are paid something that approaches a living wage. 2 - US minimum wage for servers is not even close to that, and dropping in real terms.

It's complicated. No pension. Retired in early 2009 at 60 with an allocation of 95/5 - maintained that until 64 1/2. Since then I have been moving money out of the market into TIAA Traditional and Real Estate. That bucket is now ~40% of my investments and I am spending it down with RMDs...

I don't know what sorts of investment accounts are available in Aus, but in the US, I would open a Roth IRA for each of them and encourage them to contribute by matching their contributions. Start at a high match, say 10:1 the first year and step it down to 1:1 over som appropriate period. -...

I had success with this. For many months (9, I think) I kept the affected toe covered in Vicks by using finger bandages. Replacing after every shower. For the last couple of months I added ProClearz - Tolnaftate (1%) and let it dry before wrapping with Vicks & bandage. No fungus for nearly...

In a similar vein, I have heard that at a certain age, a man can simultaneously be 'Too Tall for His Hair' and 'Too Short for His Weight'...

After a two years of pre-WWI Ag college, my grandfather's best friend moved to Pasco county and became a timber baron. After my grandparents tired of dairy & potato farming, they retired there. My parents and several aunts and uncles followed. So, from the age of 10, I visited almost every...