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Company Stock Educate yourself on the tax advantages of company stock in a 401 k that you will lose if you sell and roll it into an IRA. Not sure this is 100% (the advantage is but I may be wrong about some details) but when I retired from Mega Corp and rolled my 401 k into an IRA, it was...

A big reason for Trusts My parents had a trust to avoid inheritance taxes. Ended up they were nowhere near the limit but the trust saved a lot of money because after my Dad died, a irreversible Bypass Trust was funded with my Dad's half of the money. Shortly afterwards my Mom went in a...

Get Android TV Smart TVs are nice but they are limited to whatever the manufacturer wants to do. Not every streaming service is available, etc If you get an Android TV you can stream anything. I have a Sony Bravia system and it's better than Roku because it is one remote and switches easily...

Buy Low Sell High For years I thought bonds were a fools game as in the long haul stocks have out performed them. But messing around with Firecalc showed that I could get a better return by holding some. Didn't make much sense to me until I realized it is not necessarily the return on the...

I' sure what you did makes some sense but honestly I couldn't follow it. What I can see (and I consider a fatal flaw) is you took 8 years of "stashing" and subtracted it from the million. It's fine to ignore inflation (sort of) but you have provided no return on assets when the social...

Huh I am not a samurai but even I could make $40 MM last 40 years withdrawing $300 k per year. 40 years of withdrawls even with a 5.4 % inflation rate and zero return makes it. An earlier posted said clickbait and they were right on.

Ditto I also use a dedicated laptop that only goes to my two banks. Don't check the weather, email, news or anything with this computer. With data loggers any virus can steal your password. I don't change my password as the odds of changing it after it has been stolen but before it is...

Fair Enough Fair enough, I was too lazy to show my math so I can not complain about yours. The longer you live the more it will favor waiting. What my laziness failed to provide was that I was talking about a 4% return after inflation which would in fact be a 6% rate of return. What I...

Take the Social Security Now Social Security doesn't really penalize you for taking early benefits. The penalty that people incur is spending the benefit early. If you take it and spend it then yes you will have less money later. If you do an analysis where you take the benefit and...

I've run my numbers with no pension and it is clear I will take social security on the very first day I can get it. My reasoning is the same as your though. Just because I take it doesn't mean I have to spend it. So I take it at 62 and save it until I reach full retirement and I win...