Curated articles and podcasts from trusted financial experts and real retirees.
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The Actuarial Financial Planner (AFP) is a useful tool to facilitate household decision-making in or near retirement. In this post we will discuss how the AFP (and possibly the Actuarial Budget Calcul...
Last year saw millions delay retirement, and this year could get worse. There is uncertainty shrouding the economic outlook for 2023, with investment bank JP Morgan predicting decelerating economy and...
There are many ways to think about retirement planning, and your personality can influence yours. If your personality and plan match, you have a greater chance of retirement success....
In 2022, my wife and I paid off our vacation property mortgage after 15 years of ownership. Now that it’s been several months since we paid off the mortgage, I realized there is a triple benefit...
Most travellers use the capital city of Croatia, Zagreb as a stop-over on the way to more exciting destinations like Split, Dubrovnik, Hvar or Plitzvice. But that’s a mistake, because even thoug...
You aren't necessarily stuck with a bad claiming strategy...
In the first year of retirement, there's a 30% reduction in short-term memory....
Retirement planning requires making our best effort to project far into the future. That is hard, if not impossible. The reality is that we are constantly changing as is the world around us. We need t...
Does anyone out there in Reddit retirement land have lived experience with the Bernicke spending model? Have you found that your spending has gradually and naturally decreased by 3% a year? Is it a cr...
Retirement is fast approaching. Our Fidelity rep says that we have more than enough, in fact, we could retire now (60) if we wanted. My spouse says that we must prepare for the worst so we rarely spen...
Last year was a bumpy ride for the market, and many investors are rattled. We’ve talked before about how the market goes up 80% of the time. But this also means it goes down 20% of the time. And...
Batten the hatches for continued market tumult without eating high fees with these six Vanguard ETFs and mutual funds....
Last time I shared with you a story from my new book Pathfinders from a reader in Ukraine, Roman Koshovskyi, titled Staying the Course in War-Time. Today we hear from Artem Voronov, a reader in centra...
Many consumers struggling to make ends meet amid inflation are reducing retirement saving and health care, which can have disastrous results later in life....
I'm a small town guy. I love the fact that I know my neighbors and they know me. The people are friendly and there are no traffic lights. submitted by /u/Scott-A-Gese[visit reddit] [comments]...
Avoiding possibly higher taxes in retirement, having no RMDs and the markets being lower are just three reasons to switch to a Roth IRA....
Occasionally I receivesome form of the question, "How come I don't feel retired?" And it doesn't seem to matter whether the person has been away from full-time work for a few months, a few years, or a...
And that can hurt their savings plans....
I was talking to my friend Jen recently when she asked a fantastic question. It was posed to her about a year ago. Here is how it went down: Jen had just retired and was on a trip down to Oaxaca to ce...
Retirement can be a time to relax and enjoy the fruits of your labor, but for many seniors, the reality is that their fixed income is not enough to sustain......
The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more...
Where do retirees/seniors find help with technology ("smart" phones, computers, "smart" TVs, etc.)? I can't be the only one who struggles with this! Of course I suppose most have adult children and gr...
I’m planning on retiring this year at 65. Besides inflation, what else should I be concerned with about retiring during a recession? submitted by /u/Tb182kaci[visit reddit] [comments]...
submitted by /u/Stay-Thirsty[visit reddit] [comments]...
Sorry for the long post; I hope many can read it and comment. I'm pretty close to retiring. I'm past the Social Security age and I've been drawing and saving Social Security for a year or two while st...
I’ve retired in the last year in the Midwest. Summer is easy but winter is confining. After a spending a few weeks in Florida I’ve made a decision to spend the winter there and take advant...
I have access to Fidelity and other brokerage web based planning tools which are nice but simplistic in the output they give and the what-ifs you can do. I assume it is intended to be user friendly an...
The Answer: Diversify! If you’ve saved $100,000 + for retirement in an IRA, 401(k), TSP or other retirement account, get your free guides written by me. I’m the company’s on-staff, H...
It’s all those pandemic puppies....
All it takes is protecting what you save, having an income plan, knowing your health care options, reducing your tax burden and making an estate plan....
Retiring early and becoming financially independent is a good goal. But most goals aren’t achieved unless you map out a ... Read more...
The moves you make now can help make your lifestyle more comfortable in retirement later....
I am not knowledgeable with retirement accounts. I need some assistance. I have 2 prior retirement accounts one with the federal government which I worked for about 4 years and another retirement, 401...
Most LTC policies are essentially 750,000 benefit right? For a husband and wife is 1.5 Million war marked seem fair? submitted by /u/Chasingfreedom1224[visit reddit] [comments]...
I am a high school librarian and have 7 credit years in calpers. I will be graduating college in December to be a teacher in CA. I’ve done all the appropriate readings and I still don’t kn...
Been thinking on early retirement quite a bit recently. Have military pension and been doing contract work that keeps me on the road. Partner has at home business that finances would not be an issue. ...
January 23, 2023 — Many retirees move when they retire, although most remain in their existing state. A smaller percentage, probably between 10 and 20%, will find a different “best retirem...
This is the first time I've been to Florida since before the pandemic.As I sit here staring at the ocean, I don't have much to say.SoI thought I'd just share a moment of peace and tranquility -- the k...
Yes... when hell freezes over. submitted by /u/Scott-A-Gese[visit reddit] [comments]...
I've recently started a retirement website. I have several categories and would like to add another one or two. I want to put out worthwhile information. Can you please give me your thoughts on a cate...
January 22, 2023 — Many retirees move when they retire, although most remain in their existing state. A smaller percentage, probably between 10 and 20%, will find a different “best retirem...
Just getting ready to retire (age 62). Had a 240Z as a teenager. Drove it for 15 years until it fell apart. I loved that car! Thinking about getting a 400Z when finally available. Currently have a bor...
Given the name of this site, Physician on FIRE, you might well come away with the impression that I am a fan of not only the financial independence part of...
Dividends are a popular source of income in retirement. We rely on them for a part of our annual living expenses...
January 20, 2023 — The end of the year presented several gifts to well off folks with substantial IRA, 401(k), or 403(b) balances. The biggest is that, thanks to the Secure 2.0 Act of 2022, the ...
Discover the connection between money and happiness with 50 financial lessons to help you improve your relationship with money and achieve a happier life....
January 17, 2023 — The search for a safe place to retire is challenging, as the community of Rio Verde Hills just found out. Up until recently, it received its water from neighboring Scottsdale....
So understanding that value proposition all of us have in trading our time for money is one of ten lessons that our poster, Tawcan, has learned during his...
Social Security is ready for you to start drawing retirement benefits anytime between the ages 62 and 70. But did you know that the age you start Social has a lasting effect on the size of your checks...
January 29, 2023 — If there was ever a good example of the phrase “Use it or lose it”, it would be how flexible you are. You might not do that great on this simple 5 part flexibility...