User Profile

[corn18]

I have a spreadsheet that can model my death at any time and accounts for SS and pension benefits, life insurance, RMD and taxes. It is never better...

[corn18]

This all works fine for a single person. If you know you are going to die at 75 and your spouse is much younger, then waiting to take SS @ 70 is still...

[corn18]

My MIL pays somewhere around $14k / year on $2M. Not as high as most with a manager bu could be $200....

[corn18]

My 401k is now collective investment trusts and the index funds are 0.010%. The only fund I hold in my taxable and Roths is FSKAX Fidelity Total Market...

[corn18]

0.012% on $1M, so I pay $120 / year to manage my money. I like that.

[corn18]

I think you are at the point where you can start looking at things from a different point of view. I am close enough to retirement to look at what can...

[corn18]

Start simple. Use the Trinity study that found that having 25x expenses in a 60/40 portfolio will be enough 95% of the time for a 25 year retirement....

[corn18]

Yup.

We found that our number one retention tool was to help your employees feel they are appreciated. Compensation is one method, but...

[corn18]

L2P and DS are correct. They withhold SS @ 6.2% of gross pay. If you make $1,000 a paycheck, they will withhold $62. If you make $100,000 a paycheck,...

[corn18]

Yup, serious question. And I'll offer an alternative description of a quiet, simple life: boring. How's that feel?...

[corn18]

The W-4 changed a LOT. So I would look there first. I withhold at married zero and my withholding was identical to my last paycheck in 2019. If I had...

[corn18]

What is a "flashy lifestyle"?

[corn18]

I have run the math and if you have a $500k mortgage going into retirement and $500k more retirement savings, it matter not one bit vs. having $1M and...

[corn18]

I do plan on it. If I didn't, I would have to work another 10 years to make up for it. That might be worth another thread discussing the viability of...

[corn18]

too late. Markets at new all time highs today.

[corn18]

You can do whatever works for you. My house is not part of my retirement number other than an expense. But if I lived in a $2M paid off home and planned...

[corn18]

I do have $150k sitting in cash, but it is to pay taxes in April. I can't spend it on anything else, so it is not an EF....

[corn18]

I hold 3 funds, but they might have different parent companies: Total US stock index, Total US bond index, Total International. That's it. No more...

[corn18]

I laid out income and expenses by year in my spreadsheet in the event that I died. It was enlightening. Although we plan to have plenty for retirement,...

[corn18]

There are so many threads over on bogleheads talking about not investing now and waiting for the dip because the market is at an all time high. The market...