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Personal Investments • Is 4% SWR for FIRE still viable under these circumstances
Think long term not just a few cycles of boom n bust. 4% is just fine. Remember that fear sells so there is a bit of conflict of interest when it comes to all those gloom n doom articles and YT...
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Personal Consumer Issues • What are you listening to now
Drops of Jupiter by Train Statistics: Posted by srt7 — Thu Oct 24, 2024 12:50 am — Replies 7125 — Views 811493
View ArticlePersonal Finance (Not Investing) • Medicare Part D-2025 $2,000 OOP Limit
As a data point, the two plans in my area with the lowest combined cost, using my medications, both hit the TrOOP limit at something less than $2000; I infer this because the drug cost for December is...
View ArticlePersonal Finance (Not Investing) • Mother gave all personal info to scammer...
You don’t mention this, and assuming you’ve likely already done this, but in case not:As a preventative measure (in addition to the great reactive measures you/others mention), make sure you educate...
View ArticlePersonal Investments • Multiple accounts at TIA CREF
I ran into the TIA CREF rep at the health/benefit fair today. I was told to call the TIA CREF support and ask for a conversion and he noted to ask not have any tax withheld. Is this recommended...
View ArticlePersonal Investments • When should I convert to Roth, if at all?
I don't see an obvious reason. If I set a simple rule to have the Roth conversions to go through 24% every year, the end-of-life net worth only drops by a couple percent. Other uncertainties will...
View ArticlePersonal Investments • Mega Backdoor Roth/Roth IRA question
What happens to the gains of those $909 while sitting on the Roth 401K? Let's say I have $100 gains. So, the total balance on my Roth 401K is $1009. According to the instructions, these $1009 will be...
View ArticlePersonal Investments • EDITED!! Forced Retirement at 55 w/a Pension and can't...
Too bad they screwed up and gave you a 401k instead of a 457b like LE and FF typically have, (due to retiring younger than most professions). Govt 457b’s don’t have any age restriction on them unlike...
View ArticlePersonal Investments • Making the decision to retire
You may run out of money.You will definitely run out of time.Which is more important?https://engaging-data.com/will-money-last-retire-early/Note, we aren't "required" to retire. It's your time. Use it...
View ArticleInvesting - Theory, News & General • Goldman Sachs predicts 3%
Once reality sets in the market drops 40% in the coming year... The reset that most all are anticipating.... So how have “most all” acted on this anticipation?Statistics: Posted by EddyB — Fri Oct 25,...
View ArticlePersonal Consumer Issues • Freetaxusa vs Turbotax
I know it is way too early. I am a long time TurboTax user and had a lot of problems with it last year, some forms totally missing.I have been reading the comments on freetaxusa and would like to try...
View ArticlePersonal Finance (Not Investing) • Preparation for solo aging at home
This thread has been locked for moderator review.Statistics: Posted by ClaycordJCA — Fri Oct 25, 2024 1:39 am — Replies 3 — Views 300
View ArticleInvesting - Theory, News & General • Can index funds ‘dry up’?
Other posters have made good points.The largest US market capitalization weighted index funds are also free float adjusted. This means that they also weighted by the percentage of shares that are...
View ArticlePersonal Finance (Not Investing) • HSA Record Keeping [in case of an IRS audit]
I think it's easy save HSA qualified expenses. Seems a lot of people make seem harder than it is. Stay on top of it as bills arrive - 1.Pay the bill2. Take a picture of bill and save to the cloud in...
View ArticlePersonal Finance (Not Investing) • Dependent Care FSA - annual contribution...
Dear Bogleheads,Both my wife and I are working on enrolling in benefits for 2025, and we have a question about contribution limit for Dependent Care FSA:According to my wife's employer, she is a...
View ArticlePersonal Consumer Issues • Advice on car repair
This topic is now in the Personal Consumer Issues forum (vehicle repair/maintenance).Statistics: Posted by ClaycordJCA — Fri Oct 25, 2024 1:53 am — Replies 18 — Views 780
View ArticleNon-US Investing • US Nonresident Aliens - Vanguard freezing legacy accounts
TL;DR : I received the mail, called Vanguard, and they said I cannot open brokerage account as NRA. I had to get on another phone call so cut it short. When I called them in the evening they said...
View ArticlePersonal Finance (Not Investing) • Underground storage tank detected [under...
4. Run away.Statistics: Posted by trek34 — Fri Oct 25, 2024 2:02 am — Replies 34 — Views 2968
View ArticlePersonal Finance (Not Investing) • Mom with alzheimers, purging, stuck on...
Sorry to hear about your mom and the impact on you. I was POA and HCPOA for my dad. I did what was necessary to keep him safe and secure, but some of those actions weighed on me because it requIred me...
View ArticlePersonal Consumer Issues • Any way to Stop Free Medicare Part A to Continue...
In this scenario, a person is employed and covered by their employers high deductible health insurance and makes HSA contributions. The year the person turns 65, they enroll in free Medicare Part A,...
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