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I've read the multiple threads indicating it is generally wiser financially to carry a mortgage and invest money elsewhere which could otherwise be used for paying down the mortgage. I grasp the counter argument that the psychological benefit of having your home paid for brings a peace of mind...

I used the search function looking for information. The results returned were overwhelming but not helpful. I have read here often that if a F/A recommends an annuity, run. A F/A I am consulting with is recommending a Nationwide fixed income annuity for the lion's share of my meager nest egg...

Had a minor fender bender this morning. Woman claiming she was distracted by her 4 y.o. as she attempted to change lanes ran her left rear quarter panel into my front right fender while we were both traveling in the same direction. She was apologetic and there was no dispute as to the cause of...

I am required to return the attached pension selection form ASAP. I'm seeking direction as to which option makes the most sense for me to choose. From the 8 options I feel the bottom 4 can be eliminated without much consideration. I believe there are probably better ways for me to leave...

Advice on the wisdom of pursuing a TFRA? I had never heard of them until the other day while surfing the internet. I'm sure some algorithm made sure to put the enticing information on my screen. At https://smartasset.com/retirement/tfra-retirement-account I read that it's "A tax-free...

I've been contributing $1,000 bi-weekly through payroll deduction to my 457. Like my Roth, which I had fully funded in February for this year, and a taxable brokerage account which I've just been sitting on without adding or taking, the 457 is down 12%. Does it make sense to keep throwing...

Any reason in my situation I should delay getting into the DROP? October of this year I will be 54 years old and will have 25 years in at the fire department. At that time I can retire without penalty based on years of service. The last benefit statement I received, back in August 2021...

I have a Blink system with 3 wireless cameras. From the time I installed them a couple of years ago, they have been controlled primarily through an IFTTT widget. The widget on the IFTTT app would turn the cameras on/off based upon my phone leaving and coming back into the perimeter around the...

Reading the threads here as well as on some other forums has me feeling slightly despondent regarding real estate and my future plans. I'd appreciate opinions on what course of action I should take given my situation and future goals. As the saying goes "We make plans and God laughs."...

As a follow up to this post that got locked https://www.early-retirement.org/forums/f55/i-tested-positive-but-i-have-no-symptoms-104537.html I tested positive 7/2, 7/6 and 7/8. I tested negative 7/11 and 7/14. Never a symptom the whole time. Not a fever. Not a runny nose. Not a cough...

I got called in to work overtime on 6/23 in place of a peer who reported being mildly symptomatic prior to coming in to work. He later tested positive for COVID 19. Subsequently on 6/25 two of the people I worked with, both of who are regulars at that station/crew, became symptomatic and...

Friend of mine is 49 y.o. and became single roughly 18 months ago. She will be debt free in the next month having her car paid off and having her credit cards paid off. She contributes to a retirement plan at work. I don't know how much she contributes nor how much she has accrued in the...

On FIRECalc under the "Other income/spending" tab at the bottom of that page there is the box to check or not for "Inflation Adjustment." In my ignorance, I'm not sure how to use that option despite the explanation given on that page. How it applies to me, I think, is in regards to my pension...

I have a little over $10k sitting in a savings account earning next to nothing in interest. Although I don't anticipate needing this money any time soon, I want to keep it within reach should an emergency arise. Suggestions? I don't have the stomach to put the money in the stock market at...

Today I received a refund check of $50 after making another deposit a couple of weeks ago to my Roth IRA annuity. Apparently I have maxed out the contribution for the year. This Roth pays a fixed 3% currently. I’m told it’s called an “annuity” because it cannot lose money, although the rate...

I'm looking to retire to Eastern Tennessee. That will happen in 4 years. I'll be 54 years old. Employment, schools, and some other issues aren't a concern for me as they may be for younger people with families. I am concerned about the overall cost of living, the weather and the area I'll be...

In my role as a registered professional guardian, I am responsible for the assets of my incapacitated clients. Most of them have more money than I will ever have. Recognizing that I am not real smart regarding money, the clients investments are managed by a financial adviser. While meeting...

As you can discern from my screen name, I am a firefighter/paramedic. Come November 1, 2022 I can retire with 85% of my salary plus some supplements that will put me at just above 90% of my average salary for the past 5 years. At that time I will be 54 years old. Currently 9% of my salary...

I'm looking to retire to Tennessee. That will happen in 5 years. I'll be 54 years old. Employment, schools, and some other issues aren't a concern for me as they may be for younger people with families. I am concerned about the overall cost of living, the weather and the area I'll be living...