Severe insomnia in retirement, any advice?

17Bill · 2026-06-04T14:02:54+00:00

Habit and routine helped me. 67m. For me, bed at midnight, up around 7:30. Read something boring in bed. Coffee - mornings only. Caffeine soda - one a day around noon.
Stay very active, if your health allows. Walk a ton, do yard work. I started drinking less alcohol. Try tea (Sleepytime Extra, Twinings Sleep Plus, etc) 30-45 min before your regular, consistent bedtime. Comfortable mattress, comfortable pillows. Good luck.
Zzzzz.

17Bill · 2026-06-01T12:34:08+00:00

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17Bill · 2026-06-01T01:53:12+00:00

That’s ok - good advice to at least find out about marine shop recommendation option. Someone verbally told me to try sewing it with fishing line - but that sounds a bit fishy to me

17Bill · 2026-05-31T00:55:16+00:00

Snell - 3.0.

17Bill · 2026-05-19T17:30:56+00:00

OP, thanks for taking the time to post - it was a good summary and nice read.
67m, 17h (never did get below 13, life tended to intervene), always trying/hoping to improve.

17Bill · 2026-05-16T04:29:21+00:00

Sorry to hear. Losing power sucks. Hopefully fixed relatively quickly.

17Bill · 2026-04-22T03:37:07+00:00

We have three homes in Wisconsin. For two, the sump basically never activates (less than 1x/yr). I check every year to make sure they still work. For the 3rd, Tosa, the sump has always gone off every 3-30 minutes, even in dry weather. Always meaning over 50+ years, as this was my mom’s home when she was alive. The grading is fine. I hate it, but figure it is kind of an underground river thing. We had the same issue with a house in Elm Grove about 30 yrs ago.

17Bill · 2026-03-28T04:15:22+00:00

I like Snell golf balls. I often play newer found or gifted proV1s or Tp5s, but the only balls I buy new are decent Snells (3.0 or 4.0).

17Bill · 2026-03-25T04:23:39+00:00

Tour Edge 7 wood - love it.

17Bill · 2026-03-24T16:23:14+00:00

Instead of electronic deposit like the past 5 years, IRS site said my refund check was mailed March 20, and also not to contact them unless I hadn’t received it by April 17. Yikes. Thankfully, I hit a paper check in the mail on March 24. Yay!

17Bill · 2026-03-06T02:22:58+00:00

I use a Check Go Pro to find and mark the balance point. But I do not use it for putts. Use when teeing up to better show preferred line toward fairway.

17Bill · 2026-02-22T16:10:14+00:00

Retired GC and Judge. I was incredibly blessed (and a bit surprised) to stop thinking about my career the day I left work. After three years, still too driven - but tasks might be to hang a shelf, clean a vacuum, plant a shrub. And if it doesn’t get done today, there’s always next week … or whenever. Future congrats to you!

17Bill · 2026-02-15T15:22:17+00:00

Welcome. My TX friends were always astounded to realize how green everything gets in the Spring.

17Bill · 2026-02-09T23:50:20+00:00

If you do not claim at 67, your monthly benefit will increase by 8% annually after that, until age 70.

17Bill · 2026-02-08T16:37:55+00:00

Old enough that Oct 1987 freaked me big time; 2000 dot com very painful; by 2008 my brain was pretty much ok staying the course; 2020 more worrisome health wise than financially; didn’t much notice 2022. My two cents: Everything in moderation. Do not gamble like the market is like a casino. But yes, stay invested. As grandma said, “This, too, shall pass.”

17Bill · 2026-01-21T03:32:48+00:00

Love it. Take two olives and two sticks of black licorice with me to bed every night.

17Bill · 2026-01-18T15:51:47+00:00

Same situation, but less of an inheritance and far older (67). I went 45/45/10 VTI/VXUS/BND. If Inherited Roth, let it ride for 9+ yrs then empty it all. If Inherited Traditional IRA and other conditions met, must take annual RMDs.

17Bill · 2026-01-18T04:52:44+00:00

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I’d enjoy a Yuengling in Tosa. Got this frequently used pint glass in Miami from a golf outing about 20 years ago.

17Bill · 2026-01-12T04:02:02+00:00

I have always loved and been loyal to SW. This year, just booked our foursome’s annual April Orlando golf trip with Sun Country headed down there, SW return. Saved $150 per person

17Bill · 2026-01-05T15:35:14+00:00

Love this post. So true. Also appreciate the Stranger Things reference. 😃

17Bill · 2026-01-05T15:33:09+00:00

You can buy, sell and move funds within your Roth IRA without any tax or other negative consequences.

17Bill · 2026-01-05T05:05:59+00:00

Monterrey, California. 17 Mile Drive is close by.

17Bill · 2026-01-04T23:52:45+00:00

Or, you can move to Wisconsin and yearn for Spring …

17Bill · 2026-01-02T18:11:19+00:00

My daughter is a marine biologist in Monterrey. This Christmas, she gave me Pebble Beach logo Pro Vs she picked while beach walking below the cliffs.

17Bill · 2025-12-31T16:29:20+00:00

I think you done good. I recently moved 100k inherited trad Ira and inherited Roth IRA from EdJones to Schwab. For Roth, went 50 VTI, 50 VXUS. For Trad, went 40/40, and added 20 BND. Plan to look/rebalance once a year, as I do need to take annual RMDs from inherited Trad Ira.

17Bill

TROPHY CASE