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Looking to lock up some cash I won't need for 6-24 months. What are the best options today? Treasuries? CDs? I'm not interested in anything callable. Thanks.

So, I want to buy some 3 month treasuries. The next auction is Monday. For whatever reason, they can't be purchased on Fidelity at this moment (maybe later today?). Anyway, you can buy a 6 month treasury (auction date Monday) that is reopened from 3 months ago. Given they will mature in 3...

Thought folks might be interested in this new page on the Boglehead wiki: https://www.bogleheads.org/wiki/Retirement_policy_statement

Thought folks would be interested: https://www.morningstar.com/articles/1066569/whats-a-safe-retirement-spending-rate-for-the-decades-ahead

Anybody here use TurboTax, have a Fidelity brokerage account and use the auto-import feature for the Fido 1099? I ask because I learned recently that our 2019 taxes missed the foreign tax credit. And I verified that the 2020 return had the same problem, although I caught it before filing this...

Anybody know of an online tool that shows how different pension payment plans compare to one another (ideally graphically)? Even better would be one that uses real dollars, and would allow me to specify how investing the proceeds affects the results. Thanks.

I'll be selling a classic car, and am considering replacing it with a more recent sports car. What I want: $25K price limit manual transmission rear wheel drive nimble & fast The car would not be driven in the winter. Might occasionally be driven to work, but for the most part would be a fun...

This is the first time I will be receiving the American Opportunity Tax Credit (for higher education expenses). I've gone through the federal deductions section of turbotax, and was not prompted for any 1098-T info. Could somebody with experience in this matter tell me what I missed, or what I...

I'll soon need to get private insurance. For the first time in my life, I won't be using insurance through my employer. Our household income will be too high to receive a subsidy. My question is - are there any advantages to still using healthcare.gov, as opposed to buying directly from a...

Hi folks. Instead of jumping head first into retirement, I'm gonna cut back to 2 days per week in a couple months. When that happens, I'll lose most of the benefits I receive now from my employer. Regarding unused vacation - is there any advantage to using it for the last X days of full time...

HI folks. So, we hit our "number" a couple years ago. At that time, I said I'd hang 'em up in April 2016. That date is just around the corner, at which time I'll be 50. Financially, nothing has occurred in the last couple years to stop me. But now that I'm actually thinking about handing in a...

Hi folks. Planning on moving in 3 years, when son is done w/ high school. Wife and I should both be retired at that point. We own our home, with no mortgage. I always figured we'd buy a house in our new location, but I'm having second thoughts. Here are some potential advantages of renting...

Hi folks. Preparing to ER in a couple years, and I'm wondering - is there a preferred time of year to resign? In particular, does it make sense to have it coincide w/ the calendar year, for tax and/or health insurance purposes? Thanks.

Just thought folks might be interested in this article I came across this morning. The picture for the general public seems to be pretty bleak: Our next big crisis will be a retirement crisis - Brett Arends's ROI - MarketWatch

My wife and I plan on retiring and moving (from Wisconsin) in 5 years. We've begun auditioning potential areas to relocate to (I enjoy the change of seasons, but 5 months of Winter is too much). Our list and current thoughts: PNW (Oregon, Washington): love the area with ocean and mountains...

Hi folks. I'm planning on ER in 3 years, assuming no major market downturn. I will be 50 at that time. I'm in my peak earning years, and I still enjoy my job (most days :coolsmiley:). Also, once I leave my job, as an older software engineer, I may have trouble getting back into the profession...

Hi folks. I'm preparing for ER, and would like to know what steps I need to take between now and then. Here's the plan: wife and I both 47 I plan on retiring in 3 years, at 50 wife will retire in 5 years, at 52 annual expenses: $40-45K tax bracket in retirement: 15% My wife's salary...

Hi folks. Hopefully I will be in the class of 2016. I want to get a good estimate of what our expenses will be in retirement. This is crucial for me, as I'll only be 50, thus I'm looking at 40+ years of retirement, plus I'll need to fund the years until IRAs can be tapped, and then SS. Is...

Hi folks. Wife and I are both 47. Firecalc tells me that if I had to, I could retire today (100% success rate). However, I still enjoy my job and want more of a cushion before pulling the plug. I would say that the chances of me retiring in the next 5 years are quite high. Our current AA is...

Hi folks. Simple question - are taxes on capital gains tiered like they are for income? For example, let's say the cap gains rate under $70K is 0% and cap gains rate over $70K is 15%. Your capital gains for the year are your only income and total $100K. Are the taxes due $15K ($100K * .15), or...

Hi folks. I sometimes view my possible financial situation in retirement as levels, such as this: savings run out before death :( savings last until death, but not much left over :) at death there is a tidy sum (ie. $500K - $2M) left over that could make life easier for your heirs :laugh: at...

Hi folks! Just announcing myself as a new user. Found out about this site via bogleheads.org. My wife and I (we have a 13 year old son) are on track for early retirement. At least I think we are! Eventually, I'll be interested in lifestyle issues as we get closer to actually retiring, but for...