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My Medicare coverage starts Aug 1, 2023. DW will remain on ACA Healthcare plan. When do I need to remove myself from ACA coverage? Tomorrow (Aug 1st). Is there a set date/time to do so?

I have been using free online software but things have gotten more complex now and I want to try a software that is easier to work with. I sold some of my Roth conversion and triggered an early withdrawal penalty (I am 64 y/o but missed the 5-year date). I can't figure out how to clear things...

The HR manager at a manufacturing facility near me called and asked if I would be interested in an independent Controls Consultant part-time job. I had sent them a resume for an engineer position four years ago before I moved to the coast. They made an offer but I ended up taking a higher...

Pasted from "Need to liquidate 50,000. Which account." I bought a used boat last week. I withdrew funds from cash in a ROTH Ira account and paid for the boat. I am selling the "old" boat. I found out that I have the option to withdraw the full amount I withdrew from the ROTH from a...

I have a 1M TL policy through previous employer, set to expire in about a year. I'd like to get a 10 year individual TL policy, $300-500k. My current Insurance company only provides through employers. I am an honorably discharged veteran if that makes a difference. Any recommendations are...

I have been contacted by the surgeon and surgery facility asking for me to pay in advance for my portion of the cost based on BCBS approved estimate. I have never experienced this before. The procedure is a cystoscopy, local anesthesia, only takes a few minutes to complete. Is this the new...

I enter the following in Firecalc: Start Here: Spending: Leave blank Portfolio: 650000 Years: 35 Other Income/Spending: SS: Me, 27300, 0 year Spouse, 12000, 5 year Pension/Off Chart Pension Income Selected: 7400, 0 years Not Retired: 0 how much to add: 0 (already retired) Spending...

I have initiated a new position in BX since the mid-September pullback. I added shares slowly as the price fell. My cost basis is now at market value. I slowed my buy rate after it "bottomed" around $110. It seems that the trade volume has declined on the slow up move since the bottom. I'd...

My 401k was moved to Fidelity end of 2020. My 401k AA is currently ~ 60% stock, 10% bond fund (FXNAX), and 30% in Stable value fund. Stable value fund returns ~1.5% annually, with 0.015% expense ratio. 18 months into retirement I have found that I only need 10% in Stable value to weather a...

I have about 8% of my portfolio in Preferred Stocks. How do I include Preferreds in the FireCalc model?

I retired last year at 61, NC resident. This will be the first full year with no earned income. 2021 unearned income/SS: 25,800 SS, 7400 pension. No taxes withheld. I just converted $20k from my 401k to Roth IRA (both accts at Fidelity, no taxes withheld). Total unearned income/SS...

I booked a cabin the the NC mountains for 1 week vacation. Me, DW, DS, DD. Now the Delta variant has cases on the rise. The daily activities will be low exposure - hiking trails, tubing down mountain streams, waterfalls, trout fishing. We can easily avoid exposure to others. I am concerned...

My 401k moved to Fidelity a few months ago. We have a limited number of funds available. We also have Stable Value fund but it is basically 0% return...ballast at best. I initially selected a combination of Target Date (TD) funds to achieve my desired AA. The TD funds include Bond Funds...

My company 401k plan moved from Principal to Fidelity a few months ago. I moved most of the 401k holdings into the stable value fund a few days before the 401k transition/blackout period began. Once the Fidelity account was available I have been making small moves toward desired AA every 2...

I retired 4/30/2020. Me>55, DW>55 y/o Enrolled in ACA HSA-eligible HDHP plan effective 5/1/2020 HSA Deposit: 9100x8/12 ~6000...deposit $3000 my HSA, $3000 DW HSA AGI est for 2020 Salary 24468 Pension Income 7405 NC Tax Refund 800 Soc Sec Income...

I am working on ACA income/cliff planning. I retired this year and started SS effective Oct, 2020. So, I will receive SS benefits for October, November and December. Since the benefits check is deposited the month after payment is due, I will only have 2 payments deposited during 2020. Will...

I read the ongoing ACA cliff thread and other related threads - great information! I want to get feedback on using IRA and HSA to get close to max allowed MAGI for 2020. I retired effective April 30, 2020, so I have earned income for this year. I have a HSA-eligible HDHP with a start date of...

DD is mid-20s. Changed jobs, $2.7k in old employer 401k. Previous employer rolled her 401k into a Vanguard tIRA. She used a 2060 retirement date fund at previous 401k. I looked around on VG website and their 2060 target date fund had 36% Intl fund inclusion - too much Intl. I'm thinking...

I am considering asking my boss if I can take ~2 months off without pay to stay at home and minimize the risk of exposure/infection. My work is divided between automation projects (control system upgrades, office work with eventual onsite installation) and onsite service calls when production...

I changed jobs mid-year 2019 so I have SS earnings from 2 different employers for 2019. The earnings from my OLD job are shown on my earnings table (at "My Social Security" online), however, the earnings from my NEW job have not shown up. Has anyone experienced this? I called the SS phone...

Update from several months ago. I have relocated to the NC coast with a new job for 6 months but can't seem to rid myself of the "Retire Now" thoughts. Away from work I have been living a much more relaxed life, spending time at the beach, fishing, running/walking in our new neighborhood. Life...

I am considering retirement in the next 2 years and want to consider healthcare costs until DW and I reach 65. I've looked at Healthcare.gov to find ACA plans for me and DW. I would pay $0/month for HSA eligible HDHP, with ~13k Deductible and 13k max out of pocket with $60k income. My annual...

Ready to Quit/back way off the work thing and spend more time fishing, hiking, camping, woodworking...NOT working. I am 60, DW is 55 and stay at home. I would like to quit now but am also considering a new job for 1 or 2 years. Burned out on long days/weeks/travel. Savings: 500k pre-tax...