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Thanks for the replies; I learned a couple things: 1. The $75k Single, $100k MJF are "cliff" amounts, which - like the former ACA income guidelines - seem very penal to me. 2. 401(k) distributions come under the Pension and Annuity section of the CT tax code. That possibility never entered my...

Beginning in 2023, Connecticut is phasing out state income tax on "distributions from IRAs." Taxpayers qualify for the exemption if their income is below certain thresholds. Here is a brief summary from ct.gov: "The FY 22-23 Budget Implementer Act phases out the income tax on certain taxpayers’...

Starting next week as a UPS Personal Vehicle Driver. Six full-time weeks delivering packages using my own car. Twenty three bucks an hour plus $0.625 per mile. I've definitely been feeling the need to stay busier during the winter months (post-golf season here in CT) and this is my first gig...

I had the same partial hip replacement 11 years ago at age 54 after a fall off a ladder. The same procedure at 82 is quite different I'm sure. My only piece of advice is to watch her intake of pain pills. Things were different 11 years ago as the danger of opiod addiction was just coming into...

Northern CT Home Value (according to Zillow): $331,000 Property Tax: $6,686 Homeowner's Ins: $845 (with $1k ded) plus $372 for $2 mil umbrella

Will ultimately be down. There will be NO golfing this year and therefore no annual golf club membership. DW and I made this decision even though golf courses are currently open in CT despite the governor's stay-at-home and "essential businesses only" edict. Travel will likely be down...

DW and I have been on an ACA plan since January 2019. I am about 2 years from Medicare eligibility but DW has 10 years until eligible. We are currently on an ACA Bronze plan with a $6k per person deductible but by managing our MAGI, we are receiving virtually a 100% subsidy (we pay only $11 per...

It was interesting to watch both games and hear the announcers in the first game attribute the bye week "fresh legs" advantage of the 49ers' as a large part of their win and then hear the announcers blame the Raven's bye week "rust" as a reason for their loss in the late game. Another example...

I wish you all the best frayne and, as you said, "a slow and deliberate recovery." As an avid golfer (5+ times a week as the seasons allow) and a taller than average person, I consider myself lucky to have avoided back issues up to this point. However, the issue you had with opioid...

71% tax deferred, 3% in Roth & HSAs and 26% taxable. The current Roth conversion thread has been great to read and digest, but I believe for now that prioritizing managing MAGI for ACA subsidies makes more sense for us than conversions (our subsidy for 2019 is approximately $15k). When I hit...

Between $100 and $200. Mostly for any losses incurred on the golf course and to buy a beer or two after the round (or during the round if deemed necessary).

At 61 I'm nowhere near as athletic as I once was (baseball and football as a young guy with some accolades) but my golf game is as good as it's ever been. I usually hover around a 5 handicap and got as low as 3.0 last summer. Still play from from either the back tees or one up from the back...

There's something about being enclosed in a two ton piece of metal that gives many people a sense of anonymity, invincibility and entitlement. You have much less of that on a hiking trail.

Bronze Point-of-Service plan with $6k deductible and $7.8k OOP Max per person. We pay $12 per month for the two of us with a subsidy of $1221 per month.

Two great kids, now 37 and 33. Separated and ultimately divorced when the kids were 6 and 10. For over a decade my income was distributed thusly: one-third child support, one-third tax gods and one-third me. Retired at 59.

The day after I retired in August 2016, I told my DW, "If I die tomorrow, just know I died a happy man." And although I didn't NEED to be retired to die happy, it certainly helps! I still feel that way today (and voted that way) but I DO notice that the longer I'm retired, the greedier I...

No breakfast here other than black coffee. I'm one of those 8 hours on/16 hours off Intermittent Fasting folks as well. Have lost 10% of body weight in about a year. Another 10 pounds and I'll be in the normal range according to the NIH. I think I'll look like a neglected scarecrow, but who...

I've lived within a hundred miles of my birthplace for my entire life: Springfield MA (5) Albany NY Holyoke MA Ware MA East Longmeadow MA Broad Brook CT North Granby CT Waltham MA Quincy MA East Granby CT Next and final stop: URN

My rule regarding discussing FIRE with family, friends or complete strangers: Speak only when spoken to (and let others determine the depth of the conversation). I break this rule rarely and only where it involves my children; towards whom I feel a sense of obligation to educate.

It's only been two years FIRE'd for me. When I listen to my friend's stories of stresses at work, I (1) feel my own blood pressure and anxiety begin to build, and (2) am grateful for my simple little existence.

We are 100% dependent on our portfolio for the next 9 years when I hit 70 and DW hits 62 just four months apart and we will take SS. Until then, our withdrawal rate (I hesitate to call it a SWR!) is between four and five percent depending on our annual spend. The variability is mostly around...

Thank you for posting! Just sent this along to my three siblings. One just retired in March and one is retiring today!!

2015 Scottsdale AZ San Diego CA Pebble Beach CA Cabo San Lucas MX NY, NY Las Vegas, NV Charlottesville, VA Wells, ME 2016 Miami Beach, FL Kiawah Island, SC Charlottesville, VA (twice) Boston, MA Stowe, VT Lenox, MA Scottsdale, Az 2017 Tuscon, AZ Charlottesville, VA Tampa, FL Rome, Positano...

Couldn't agree more!! Sorry to hear of your troubles. I check my bank and credit card accounts every time I go online, which is virtually every day. Why? 1. It fits with my somewhat obsessive personality. 2. I have been the victim of (a) credit card fraud several times; (b) a fraudulent...