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This chart from Morningstar will provide a Safe Withdrawal Rate for various asset allocations and number of years...with 25 years as one of the columns. It targets 90% chance of not running out of money... The Good News on Safe Withdrawal Rates

https://www.morningstar.com/retirement/whats-safe-withdrawal-rate-today

Just today, I looked at a table of Safe Withdrawal Rates that listed various Asset Allocations and time periods from 10 years to 40 years. There is not that much variation among the central AA choices. I multiplied those rates by MY NUMBER and saw that it did not matter much if I was 70/30 or...

I prefer group exercise vs individual trainer. My Medicare Advantage plan from UHC has a "Renew Active" program that pays for these group sessions (similar to Silver Sneakers): 1. Bikram Yoga - 60 or 90 minutes in 105 degree room with 26 postures 8 sessions/month 2. OrangeTheory - 50...

First cruise was just 4 days to see if I would get seasick...since then have been on a few more cruises...Alaska, Caribbean, Trans-Atlantic (18 day), and World Cruise (137 days). Our next cruise is 83 days in northern Europe. Our preferences have become smaller (500-750 pax) ships, and longer...

The original Sponge Bob...before he had square pants

My data: We are 72/74, 67/33 asset allocation, and only have SS. SS handles 2/3 of our annual spending.

When we did our Alaskan cruise back in 2015, if you left from a US port, you had to return to that same port. If you left from Canadian port (Vancouver) you could do a one way cruise...so you did not have to float by the places you had already been. For us, we took AMTRAK from Seattle to...

I cannot forecast inflation...and it is something that I cannot control. Instead, I forecast how my investments will do above inflation...which results in everything being in TODAY's DOLLARS. It is much easier to understand for my feeble mind. Also, I have tried to protect myself from...

One more recent data... https://www.bls.gov/cex/tables/calendar-year/mean-item-share-average-standard-error/reference-person-age-ranges-2022.pdf

No one who has replied yet seemed to have been on a long cruise... DW and I did a World Cruise a few years ago...137 days on Regent Seven Seas, which is an All Inclusive cruise line. All meals, drinks, laundry, medical, gratuities, and MOST excursions were already included. It was not cheap...

We have rental property and brokerage accounts and use Deluxe version...our rental funds are reported on Schedule E.

On my Windows laptop, when I downloaded the file, it was compressed. Expanding the compressed file, it created 2 program files...1 for PC use and 1 for MAC. I am not familiar enough with the MAC world to know where to look for these files, but you may have the correct TT for MAC file somewhere...

I did a search on TurboTax Deluxe and Schedule C... If you are using the download version, Deluxe can be used. If you are using the Online Version, Deluxe will not work. You may want to do your own search to verify how to handle expenses related to the travel agent hobby.

"My best guess is that 100% of our SS income will be taxed one day. And our SS income will be reduced. Which would be unfortunate for us, since about 2/3 of our future planned income comes from SS." If 100% of SSA benefit gets taxed in the future, that is only 15% more than it is right now. If...

Some people have a strong desire to leave a wad of cash to their children, and may avoid spending to maintain that legacy. I have a different view based on 2 experiences in my life: 1) My son's High School soccer coach used to eat popcorn and talk to the parents during soccer games. He said...

Today Amazon has TurboTax for $45.99 and will throw in a $10 Amazon gift card...I will have to wait until February to figure out how I will file state...

I strongly suggest you pull together a 20-30 year plan. You have provided a review of a 2-3 year plan, and suggested something about a tax torpedo, but shared no details about taxes. Normally one would delay taking funds from a Roth so that you would have the most benefit from tax free growth...

If there is a paper check being delivered to the recipient, you should be able to look at your bank statement online, and see an image of the processed check. If you look at the back of that check, it should have a stamp showing the deposit date. You can compare the deposit date to the date...

Just downloaded TurboTax and the Dividends section will not be available until December 21...and my state (SC) will not be available until December 2... Maybe I should have just waited because I need both of those to do my year end estimates?

I am not sure I understand the previous problem with the builder. The earnest money is used to keep the builder from getting frivolous offers to purchase a home. Because you are also getting the mortgage thru the builder, there will be plenty of papers to sign during the mortgage application...

For the pool, I have installed an automatic pool filler...sort of works like toilet float valve and keeps the pool at the right level. Our security system has leak detectors that you can place around the house (toilets, hot water tank, etc.) You can forward mail, or have neighbor send mail to...

Although a significant expense for the sliders, we added the blinds in between the glass panes. No interior blinds or drapes needed for privacy, and they disappear when pulled up all the way. You end up with 3 panes of glass and more heat/cold protection in the house. Also, we added the...

DW and I are in our early 70's and try to get physical every single day. Our UHC Renew Active helps cover the costs of gym memberships, so we are involved in group exercises 6 days/week: 1. Bikram Yoga (105 degrees, 26 postures) 3 days/week 2. OrangeTheory (bike/treadmill, rowing, weights) 2...

Our current "forever home" has 3 living levels and a garage...but it has an elevator that the stairs wrap around. While we are mobile, the stairs help us exercise our legs, and when the time comes that we need a walker/wheelchair, we will still have access from the garage to the main floor, the...