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I won't bother to link the article that this quote came from. "It's not just the financials of retirement that are scary. There's a significant emotional weight to it, too. Riley Moynes, a retired educator who wrote the book "The Four Phases of Retirement: What to Expect When You're Retiring,"...

We received a letter from the IRS in March, saying that we owe them *much money* in taxes for 2022. Bottom line - I had closed an older Vanguard account that didn't allow individual bond purchases and opened a new account that does. The tax docs had three different 1099 forms, one of which was...

You Earned It, You Keep It There is a proposal in the House to eliminate federal taxes on SS, paying for it by increasing the SS tax base from 2024's $168,600 to "over $250,000" (what exactly that means I'm not sure and haven't been able to find out with my online research...) which is...

DW and I first got serious about FIRE in 2002. I became aware of the “50-30-20 budget” sometime between 2005 and 2008 but didn’t dig into it because we were focused on saving and investing. Recently I checked out the source, All Your Worth (2005), by Elizabeth Warrant and Amelia Warren Tyagi...

Looking for help for a friend... She has a non-profit business and is using Quickbooks to: categorize income and expenditures (without paying bills) and do payroll and fill out whatever form is needed for rent payments. She says that those requirements require Quickbooks Advanced. She is...

I heard about this on a Facebook group thread for the first time today. "The Corsi–Rosenthal Box is a design for a do-it-yourself air purifier" https://en.wikipedia.org/wiki/Corsi%E2%80%93Rosenthal_Box There's some discussion of efficacy and clean air delivery rate, although I don't think...

Background: DW and I used to be on her megacorp HDHP and contributed to an HSA at the time. Following my switch several years ago to a new job we were on that HP which was not HD and not eligible for HSA. Now that I'm retired and we're going on ACA, I need to figure out how to max our HSA...

[I was going to post this in the other thread, but I didn't want to mess up street's positive thread momentum.] What "good deed" have you done? For me, it was *not* punching megacorp's Senior Director in the nose when he sent an email to me, cc'ing my boss and another dotted-line boss...

So... I was updating my bond spreadsheet today and noticed that we've had the first bond call. $4k in my Vanguard Roth account. On 1/22/24. Now, I accepted the call risk when I bought the bonds. But as far as I can tell, there was no notice given to me when the call came in. Is this...

We will be going on ACA at the start of April, so this is new to me and hasn't happened yet. For us (household of two), with an estimated MAGI of $120k, healthcare.gov spits out premiums (never mind out of pocket costs) of ~$9.6k / year. I'm not doubting you; I'm trying to understand the...

Saw an article online (didn't click on it) titled, "9 Types of Antiques That Will Only Get More Valuable Over Time, According to Designers" or rather, 'People Who Won't Share Your Loss if Their Advice is Wrong' (fixed the title for them). It got me thinking about Ticktock's top three rules: #3...

After my retirement in March, we will go on ACA healthcare. Our philosophy on insurance: 1. Primary objective is to avoid disaster (say, $100k in medical bills in one year) 2. Once #1 is met, secondary objective is to minimize likely total out-of-pocket costs. We have several HMOs and one...

The annual bonus hit on 1/31. That night I gave notice to my management and today I informed the client I'm working for (both times ready for the possibility, though I thought it unlikely, that I'd be shown the door immediately). The bonus finished my OMY list: 401(k) match, 401(k) 100%...

Fair Warning: Rant coming... https://www.msn.com/en-us/money/retirement/i-m-not-working-to-retire-soft-saving-is-gen-z-s-gentle-way-of-rejecting-fire-and-hustle-culture-are-the-youth-onto-something/ar-AA1moKcC?ocid=hpmsn&cvid=b2856d9b49d649fd8e8f33027f73f22e&ei=139 "I don't see myself...

My search-fu has failed me. :frown: DW retired last year. At some point I will retire and we'll want to go on ACA until we reach Medicare age. So... how does one go about signing up? I want to keep continuous coverage (we are both now on my work health care benefits, and ACA looks better than...

This is an offshoot of "TickTock's Take on Bonds vs. Bond Funds" thread where I state, “Individual bonds, particularly US T-Bills, deserve serious consideration as a portion of a retiree’s portfolio, due to their predictability/lowered volatility/higher possible floor SWR. More research is...

Article: "Un-Retired Man Reveals Common Retirement Myths That Everyone Should Know" This is the type of article that raises my blood pressure...

tl,dr: Individual bonds, particularly US T-Bills, deserve serious consideration as a portion of a retiree’s portfolio, due to predictability/lowered volatility/higher possible floor SWR. More research is needed. Fair Warning, long post ahead. This is due to the complexity of the topic...

Hello again. After a 15-year absence from posting (I have been lurking since late 2022), I'm back. And I still recognize a few user names. :greetings10: So DW and I have been LBYM, investing, rebalancing, and letting time/compounding work its magic. I am 56 and DW's age is classified. DW...

I saw a post in which W2R mentioned an old AD&D game. Any other gamers here? Ticktock, playing Hero System and Ticket To Ride. (Also, Euchre for the card players out there.)

Okay, how does this work? (Numbers are made up; I'm looking for the underlying math.) Assume I took out a $200,00 30-year fixed mortage at 6% several years ago, have been making extra principal payments, and the statement now shows that I have ten years to go if no more extra principle...

link I don't know how true this is. Any of the board health-care pros want to comment?

The year's scariest investing news - MSN Money

MMND claims her family is financially independent. Her husband works part-time, which covers their current expenses, but does so because he chooses to, not because he needs to. There are many numbers on MMNDs website, but they are scattered; it's difficult to see the whole picture. On...

Okay, I normally think that a husband/wife team should come to their own agreement on who contributes what to their marriage. But when I read this: The Hard Stuff: "He Needs a Real Job!" - Â* MSN Lifestyle - Relationships it makes me re-evaluate some of the threads here...