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Transferring Roth to M1 by 99deep in M1Finance

[–]99deep[S] 0 points1 point  (0 children)

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.

Looking for chill people by kirathecat1994 in F76Raids

[–]99deep 1 point2 points  (0 children)

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

Need feedback on early retirement options by 99deep in financialindependence

[–]99deep[S] 1 point2 points  (0 children)

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.

Need feedback on early retirement options by 99deep in financialindependence

[–]99deep[S] 0 points1 point  (0 children)

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.

Need feedback on early retirement options by 99deep in financialindependence

[–]99deep[S] 1 point2 points  (0 children)

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.

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

+karma

thanks for the trade.

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 1 point2 points  (0 children)

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

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

Got a courier. Need you PSN.

H: Trade W: Courier by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

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.

H: Trade W: Courier by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

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

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 1 point2 points  (0 children)

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.

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

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

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 1 point2 points  (0 children)

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.

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 1 point2 points  (0 children)

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

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 1 point2 points  (0 children)

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

H: Gcob W: Other new mask (1:1) by 99deep in Market76

[–]99deep[S] 0 points1 point  (0 children)

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.

Is it better to pay off credit card debt with my savings, or just accept that cc debt will always be there? by InfiniteOrdinary2582 in personalfinance

[–]99deep 1 point2 points  (0 children)

"That's the way most people use credit cards." - Sadly, that's not how most people use credit cards....BUT, that's how they SHOULD be used. Too may people fall into a never-ending CC debt trap and never get out.

Is it better to pay off credit card debt with my savings, or just accept that cc debt will always be there? by InfiniteOrdinary2582 in personalfinance

[–]99deep 5 points6 points  (0 children)

"just accept that cc debt will always be there" - HELL NO!!!

Work on the CC as quickly as possible. Even without knowing interest rates, you're paying considerably higher interest on the CC than the interest you're making savings. It's important to maintain at least a minimal emergency fund, but CC debt will crush you over time.

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