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I retired at the end of 2023 at age 58-1/2. I took some money out of my (former) government employer sponsored pre-tax 401k using the so-called "rule of 55". Now I have an opportunity to do some part-time work for the same former employer which is appealing- it's the work I always loved before...

Here I am with 6 weeks to retirement and suddenly I'm considering work? Summary of the question: I'm considering some part-time work to pay for frivolous toys and travel. If you've done this, does it make the work more palatable than the old slog just to keep a roof over head? A week after...

Summary: What's the safest way to time sales of one group of stock funds and purchase of another when the money will be in limbo for 2 days? My 401k account is with Nationwide, but I can use Schwab within the account. Schwab has way more investment options. I have started moving some of my...

Summary: For purchase within a pre-tax 401k, are 5 year CD's at 4.5% or 5 year Treasury Inflation-Protected Securities (TIPS) a better bet? What would be a good TIPS rate? I'm building an 8-1/2 year ladder to "bridge" our financial needs from retiring and starting my government pension until...

I’m curious what the real dollar difference is between retirement this year vs next. See below for details on salary, pension, and cash-out of accrued leave. Age 58, still working at a government job with a defined benefit pension for self and spouse lifetime that includes 2% annual COLAs and...

Question about splitting my 401k asset allocation between CD's and index funds with nothing in between. (EDIT to clarify: "index funds" meant a mix of Large Cap, Mid Cap, Small Cap, and international stock index funds. Actually I'm more in managed funds but was planning to move to index...

I'm trying to break my issues into reasonable questions rather than put everything into one 10,000 word dissertation, so apologies if this doesn't paint the whole picture. Planning to retire in a year at age 58-1/2 and start drawing my pension which is generous but won't cover all of our...

I know, another "should I pay off my mortgage?" thread. Planning to retire in about a year at age 59. At that time we will have 15 years left of a 30 year, 4.5% fixed-rate mortgage with a balance of about $135,000 and monthly payment of $1013. All money to pay the mortgage installments or...

One year to retirement... Thinking about annual spending budget including travel. Summary question- How often do you go on recreational travel; how long are typical trips; assuming a set budget do you go shorter with more luxury or stretch it out with lower priced options? We typically take a...

Basic question is how did your budget change from kids at home fully dependant to kids out of school with jobs living on their own? We have two kids off at college and I want to retire before they graduate. I don't really know how to budget for post-graduation. It's easy to quantify tuition...

I know many think "Retire Early" is probably younger than me, but I still hope to gain valuable info from this forum. Currently planning to retire either age 58 or 59. Stats: Married, both age 57, two kids in college, one income. I'll draw my state government pension as soon as I retire- it...