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Well Class of 2024 it is! Started here 8 years ago when my older brother was laid off at 64 and we had some questions. Then my sister was laid off at 64, and then my other sister was laid off at 64 and I said "I'd better have a plan." So, knowing nothing about anything financial, and being in...

Wanted to share my somewhat unique situation with regard to my asset allocation. It feels like lifestyle planning to me but also seems like I'm timing the market. To simplify things, I'll use some generalities. I'm in my mid-50s. Current 401k asset allocation (index funds) is 82% stocks, 18%...

Just fishing for whatever tips you all might have, especially from those who have been laid off unexpectedly. Company is under new ownership and I'm VERY worried that I'll be targeted for a layoff and I'm maybe 3 years short of FI. Middle management type. Mid-50s, no kids at home. I expect a...

My wife and I are maxing out our 401k/403b contributions at work and have some funds available to invest outside of those. Currently only a small percentage of our 401/403 (15%) is in a Roth 401k. So, can we each open a Roth IRA and contribute to that? I am a bit confused as to whether the...

DW and I both have hard-driving career positions - the kind with no "off" hours. I'm 4 years older and looking at starting to dial it back to PT in a year. At that point she'll be in her early 50s and in the prime of her career. In her field people often w*rk into their 60s, which is highly...

A family member was just let go from medium Corp after 15 years, as part of a larger group of terminations (I can't use the corporate-speak of layoff - he was let go) following a merger. I'm wondering what advice members might give who have been through this. I'm not privy to his financials...

My sis is 60 and would like to retire at 63 or 64; however, she just had a meeting with an advisor who pressured her to wait until full retirement age. She now has it in her head that something magic happens at FRA and she is now convinced she must wait until exactly age 66 and 4 months to...

We saved for DD to attend State U (a Big 10 university) and be pretty much free from student loan debt. However, DD got accepted to Cambridge University in the UK, which means $50,000 additional, which we would pay using Parent ("PLUS") loans. We can't afford to write a check for the...

The cash/cash-free thread had me thinking: How many of us would decline to receive US Mail if we could? For me, other than the odd "official notice" that I actually need - and that could easily be emailed - everything else is a nuisance; either a solicitation or a solicitation. Now the crafty...

I'm doing a workup of my monthly expenses for retirement (shooting for 6-7 years). I'm trying to ER when our house is paid-off, major upkeep items (roof, etc) done, and cars paid-off. I wouldn't say that I'm frugal but I ran my current numbers and we're spending about 2,500/month in monthly...

DW will be working for 2 years after I retire. Part of my retirement planning is to take about 2 months and see everything in Europe that I have ever wanted to see - most of which is not that interesting to DW. My bucket list includes seeing all the existing Vermeers (I'm just over halfway...

I'm thinking of joining the local Masons lodge but frankly don't know much about it. I wondered if there are any Masons on the forum who might share any thoughts. I've reached out to my local folks, and plan to chat next week. Appreciate any thoughts

I have a 7 year FIRE horizon but DW will still be working for a few years after I dial it back. She's a university administrator and we like the balance and vibe of university towns. We currently live in the upper Midwest and would like someplace warmer, and we'd like to start spending some...

I was the guy who thought he'd work until the end. I have a job I love - or, more accurately, used to love - so I always thought I'd work well into my 60s full-time, and then part-time beyond that. A lot of lurking here has me thinking that I might be of more use to the Republic with a fly rod...