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If your SS check combined is 3005, and you spend 2280, you should have $725 per month left over, not $100-200. That is a pretty large difference so I suspect your monthly budget is a lot higher than you are reporting. You may want to go back a year or two and really nail down your expenses to...

My husband of 40 years has been diagnosed with terminal cancer (Glioblastoma) and I strongly feel I will never marry again when he is gone. I have never lived on my own. I am definitely the “stronger” personality in our relationship and cared more about the way things went. He is pretty...

We have been using St Brendan’s Isle for years. Very good service. A few financial institutions required a physical street address for our account and I used my moms, but those places still allowed SBI as the mailing address

Thank you all for your comments, recommendations, insights and sharing your own experiences. I value every post. DH is still in the rehab hospital but we are hoping for a Saturday release. He will have to be watched 24/7 as the surgery really disrupted his cognitive abilities. His short term...

Numbers and finance are the easiest pieces of my life to think about right now, TBH. Assets and expenses are relatively finite. Everything else is spinning wildly out of control and there is no likely clarity coming anytime soon. I have always been the planner/manager in our relationship as...

Survivor FRA is slightly different, strangely enough.

Thank you all, and as usual, the collective wisdom is correct. I went back to Open Social Security and re-ran the numbers and it does still tell me to file for mine at 62 and survivor at my survivor FRA which is 66 and 10 months for those born in 1961, and he does not file at all. I would have...

My 66 year old husband was diagnosed with Glioblastoma a few weeks ago after suffering stroke like symptoms. He is in a rehab hospital at the moment after brain surgery last week to remove the two tumors. He expects to have radiation and chemotherapy but the median survival rate, even with...

So sorry to hear that you have pulled the plug on the deal, but your reasoning is solid. Wonder if you could still buy the goat and pig for your current home?

That is EXACTLY why I got glasses. After a day at work on the computer, my distance sight would be quite fuzzy on the way home.

The issue with the black screen on the eye chart machine seems more common than I would have guessed. A year and a half ago, at age 60, I changed domicile to FL and had to take a vision test for a license. Although I wear bifocal glasses for crisper distance vision and seeing up close I wanted...

Assuming he is not being scammed, why can’t a 71 year old with A Fib care for themselves? My mom is widowed, 81, owns a home with 3/4 acre yard that she cares for plus, since she is in WI, she snow blows in the winter. I am a full time RVer so usually am at least 1000 miles from her. We keep in...

We are full time RVers and never close to our Dr. to be able to see her for small things. We have been lucky so far (6 years on the road and haven’t had any urgent medical issues) but I could see a couple from the list that could come up. DH is over 65 so can’t use the service. It would work...

Just got this email from Amazon. Would you use Amazon Clinic? AMAZON CLINIC Find treatment for common health concerns with Amazon Clinic—no visits or video calls needed. How Amazon Clinic works STEP 1 Choose a concern Choose from a list of more than 20 everyday health concerns. We'll ask...

Wow, I just hit 100 posts in 10 years of reading ER.org. Hope you all can keep up with me

There is a supplemental tax rate applied to PTO when paid out at termination, just the same as it is applied to other bonus payments. It is currently 22%, a few years ago it was 25%. It all comes out in the wash when you do your taxes, it is just withholding and if your actual tax rate is less...

Terrific list. We are headed back to Tucson tomorrow for a couple of weeks and have done some, but not all, of the items on your list. One question - where do you go for your Mexican food??

So you have 2.6 million in investments and 500k equity in your home. You will be earning 100k and live on 65k while your investments grow. I would say you can quit your stressful day job.

LOL, OP’s idea of coasting for the decade is doing their side gig for 100k per year.

I am curious to know if your child would still want to attend a local, public college if they were aware of $200,000 worth of assets that could be applied to their schooling. Not that they are”settling” for the local school, but perhaps they are trying to keep your costs down. Would they...

We are full time RVers in a class A MH. I would love to do this as long as I could park the coach somewhere on the property. That way, my stuff is handy and I can keep an eye on the MH. It would feel good to spread out in a house for a few weeks because 400 sq feet isn’t much space, lol. I love...

Don’t you wish the person who gave it to you would have stayed home?

The other day I noticed a name brand of cottage cheese was showing 22 oz instead of the normal 24. They didn’t bother to change anything on the calories/servings section though, so it still said 6 servings at 1/2 cup per serving and the calories were not lower. So, two less ounces, but still...

Will try to remember to do so?

Pluperfect, thank you for the EXCELLENT post above!! You put a lot of effort into it and it helped explain a lot of questions I had about Blue Options vs Blue Select. I am on COBRA til the end of the year and we just moved domicile to FL so that we will have access to out of state networks...