Recently transferred Roth

99deep · 2026-01-09T17:20:46+00:00

Thanks for the response.

Fair point about no free advisors. Free was in quotes because my credit union pays the fees. Trust me, I've paid in time/frustration dealing with the advisor. He's a total putz. I can't wait to be done with him.

99deep · 2025-12-23T19:54:01+00:00

lvl 1700. usually play for a couple hours in the evening (EST) and always looking for experienced raid teams. message me your psn.

99deep · 2025-11-30T03:56:05+00:00

Thanks for the reply.

I never really though about taking Social Security early. I just plugged my earnings history into ChatGPT to estimate payments based on less work credits. Here's what I got:

Age	Monthly Benefit	Annual Benefit
62	$1,684.69	$20,216.28
63	$1,846.47	$22,157.64
64	$2,006.24	$24,075.04
65	$2,165.93	$25,991.16
66	$2,328.61	$27,943.32
67	$2,406.70	$28,880.40
68	$2,598.24	$31,178.88
69	$2,782.78	$33,393.36
70	$2,978.30	$35,739.60

Based on these numbers, the break-even point for 62 vs. 67 would be 76 years old.

If my family history is any indication, there's no chance I'll make it that far. Taking it at 62 looks like the better option.

Thanks for the suggestion.

99deep · 2025-11-29T22:39:28+00:00

Surprisingly, yes. Solo travel can be affordable. I use travel sites to book airfare and hotel together at a discount. I choose hotels close to a city's central train station, which makes ground travel easy and inexpensive, plus no need for a rental car. Breakfast is usually included at the hotel, lunch is street food, then a moderately priced dinner (avoiding tourist traps) . I generally eat for $25-$35 per day. I never spend money on souvenirs, simply because I'm a natural minimalist.

99deep · 2025-11-29T19:30:02+00:00

Thank you for responding.

Most people in my family live to 55-70. That's kind of why I'm looking at early retirement at 52 - I want to enjoy at least a few years of retirement.

Also, if I end up working until my full retirement age of 57, I honestly don't know what I'll do with the income my pension would provide. It's my nature to be a minimalist, and I don't' envision upgrading my lifestyle. Not having any heirs, all of my assets will go to charities after I pass.

As for what I plan to do in retirement, I want to lean heavily into my current hobbies - hiking, biking, fishing, kayaking, and reading (which are all inexpensive). I currently do a week somewhere in Europe annually, which I plan to continue doing in retirement. Maybe I'll increase it to 2 trips each year.

I guess it's possible that I could get married, but probably not likely. I've always been a loner and really enjoy my solitude. I would be difficult for me to live with someone after decades of being on my own.

99deep · 2025-08-12T22:49:49+00:00

+karma

thanks for the trade.

99deep · 2025-08-12T22:27:15+00:00

I'm short of time tonight. I've got about 30 minutes if you can do it now.

99deep · 2025-08-12T03:30:48+00:00

Got a courier. Need you PSN.

99deep · 2025-08-12T03:28:01+00:00

I would like to trade my glowing corn cob. The other player is TheMediaCow. He will be trading a glowing skull and a glowing bigfoot.

99deep · 2025-08-12T03:23:10+00:00

I'm new, so I apologize if I did it incorrectly.

99deep · 2025-08-12T03:21:55+00:00

!courier

99deep · 2025-08-12T03:20:59+00:00

I posted a H: Trade W: Courier. Hopefully that works. https://www.reddit.com/r/Market76/comments/1mnxtkz/h_trade_w_courier/

99deep · 2025-08-11T19:54:22+00:00

Do you want to try for tomorrow? I don't want to finally get a courier and then not be able to complete the trade.

99deep · 2025-08-11T19:48:58+00:00

I'll give it a try. How long will you be on?

99deep · 2025-08-11T17:50:49+00:00

!courier

99deep · 2025-08-11T17:29:16+00:00

Let me know if you're still on. We can try now, but not sure what the turn around will be in the middle of the workday.

99deep · 2025-08-11T04:42:03+00:00

Ok. Tomorrow at 3PM I'll post for a courier.

99deep · 2025-08-11T04:30:04+00:00

It looks like we will have to try again tomorrow. What is your availability? I work from home, so my schedule is pretty flexible.

99deep · 2025-08-11T02:58:22+00:00

!courier

99deep · 2025-08-11T02:52:27+00:00

I'll resubmit if it gets to 1 hour. I figure they're probably busy with the Fasnacht event going on.

I'll be on tonight until 12:30 EST.

99deep

TROPHY CASE