Recent content by momoney

I hear you on trying to replace your final salary. It's very hard to find a job in software, tech, web, design, etc. even at entry level pay for someone over 50 when you are competing with workers from around the world willing to work for a lot less. AI is only going to make it harder in my opinion.

Curious because a few houses I've looked at have propane tanks. How does propane refill work in abnormal usage situations? Do you have to alert them if you have unusually high usage and need a refill sooner than normal?

It's heavy to ship, but collectors prefer original equipment when doing true restorations.

My laser goes into a very low power sleep standby mode. I don't use it much and it doesn't bother me waiting on it to wake up. When I had inkjet I wasted ink because of infrequent use. It took time each time I used it for the head to clean itself.

How many days could that power your house before needing a refill?

I have to be honest that I wasn't even thinking of people in their 30s and 40s. I guess they are unicorns in my mind.

After looking at the "death curve" on engaging data, I wonder how many people wished they would have been less conservative. https://engaging-data.com/will-money-last-retire-early/

By the least I mean a lower probability your money will last the duration you need it to.

Interested to hear about how some are "pulling it off" and why they chose to go that route. And does the current inflation cause you to lose sleep at night?

So stick with a 3-6 month treasury? Understanding This Table 3mo 6mo 9mo 1yr 2yr 3yr 5yr 10yr 20yr 30yr+ CDs (New Issues) 5.35% 5.30% 5.35% 5.40% 5.25% 5.25% 5.30% 5.00% -- -- BONDS U.S. Treasury 5.39% 5.38% 5.26% 5.16% 4.84% 4.64% 4.48% 4.45% 4.71% 4.61%

Is something like Wisdomtree Floating Rate Treasury Fund USFR, better than a Fidelity money market fund when you factor in expense ratio and state taxes on the money market fund? USFR - Wisdomtree Floating Rate Treasury Fund Gross expense ratio .15 30 Day Yield 5.33% SPRXX - Fidelity MM Gross...

That's a great incentive and really helps your daughter plan her future.

Is gifting your children yearly Roth contributions a better strategy than leaving them a big inheritance?

It is 114 for all expenses (discretionary and essential) input into the model. My discretionary budget is about half of the total of my essential expenses, 55%. I feel like I was being generous with discretionary expenses. Leaving some fat to trim off if needed. Would people in this forum be...

Fidelity's Fidelity planner is giving me a 114 score until age 94 for essential expenses plus 55%. So ideally I want double my essential expenses?