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Looks like future tax rates will be higher than they currently are now. I also don't like the idea of being at the mercy of the RMDs. So, my plan is to convert as much of my traditional IRAs to Roth as i can over the next several years. I know this is a taxable event but I dont want to pay...

Yep my nickname at work is now "Shortimer". I bet I am asked, at least once a day, What am I going to do when I retire? I am amazed as how work can define you - especially by people who only know how to work. I don't even try to answer with what my plans really are - (and it ain't work!)...

Down to 100 work days to go before I finish out my work notice! I am pretty excited. The weird thing is that it seems like time has slowed down since I gave notice. Days used to whiz by, but now they seem to have slowed down. It reminds me of waiting for Christmas when I was a kid, or...

Turned in my notice for early retirement next May! Retiring at 55. 30 years at banking. Working on my financial plan. Have a defined benefit plan that pays $80k per year until death, which is about60% of my salary. I keep the same health ins until 65 - about $50 per month now.I am selling big...

This will sound a little crazy, but is true. I couple of weeks ago I got a call from my sister that my mother was in possible danger from her husband (mom is 76 years old and recently remarried). Come to find out he was verbally abusing her and it was about to become physical and she was...

I am considering rolling my Morgan Stanley IRA account to a Vanguard Lifestyle within the next year My motivations are fees and it will be time to start moving more portfolio into bonds as only 15% is in cash now. I currently have about 20% of my retirement portfolio in a Morgan Stanley...

My employer is requiring a comprehensive physical on Sr. Mangement by a health provider of their choice. They will be notified of the results. I am uncomfortable with this issue. Is this normal procedures for Sr. Managment positions?

I have several options as to how I (and DW) will receive my pension. Here are the choices of monthly payments: Options                                 ME                      DW 5-year certain and life          5265                 5265 10 year "        "      "            5138               ...

My sister and brother -in-law have not prepared in any way, form, or fashion for retirement - much less early retirement. She is 55 and he is 61. They have a home (with a mortgage equal to its value) and two cars (with debts equal or more than their value). They have not saved anything and...

I have been reading the sage advice here for several weeks - and - am quite impressed with the knowledge base - now I have a couple of questions. What else do I need to do (over the next ten years) to prepare for ER? my wife and I are 45 and plan to ER at 55 We are maxing out our 401ks with...

I have had to work on a farm when I was small boy and dreamed of spare time to play. I worked through college and dreamed of time to play. Now I am two thirds throuigh this carreer (10 years to go to rule of 85 - at the age of 55) and dream of time to play. Question is - with all these years...

Part of my compensation for 30 years employment is the rule of 85. This is where you add your age and years of employment together - when the sum is 85 and you are over 55 years old you can retire. I will reach my rule of 85 only two months after i reach 55. I have two choices of payout on my...

Our plans are to retire at 55. Here is my situation: Both Age 45 - combined income over $180K. Pension kicks in at 55 with about $65K per year. $300K in retirement accts. My wife and I are maxing out our 401K plans. Mortgage will be paid off in 5 years (we are tripling our payments). We have...