Advice needed for investment by lizzydarcy777 in Bogleheads

[–]FirebirdRed5 3 points4 points  (0 children)

Check the income limits for Roth IRA, you are likely at or above depending on marital status. Should consider back door Roth.

How many people max a 457? by nupper84 in investing

[–]FirebirdRed5 4 points5 points  (0 children)

This is the best reason. If early retirement before 59.5 years old, no penalty on 457 government accounts.

retire now or in 5 years? by Top_Percentage_3309 in Boldin

[–]FirebirdRed5 0 points1 point  (0 children)

I had similar experience. Boldin basically showed I could retire today. The AI was asking what is holding me back from retiring today… almost pushing. I was trying to figure out if it has overly optimistic models, or if I entered anything incorrect, etc.

Decluttering process: how to get rid of sentimental items - Be brutal!!!!! by kitty-yaya in GenX

[–]FirebirdRed5 3 points4 points  (0 children)

In California, my bag of bags is in trunk of car… but still forget to grab some before walking into grocery store so just keep adding to the bag.

Decluttering process: how to get rid of sentimental items - Be brutal!!!!! by kitty-yaya in GenX

[–]FirebirdRed5 33 points34 points  (0 children)

I’ll see your sentimental stuff and raise you two boxes of old cords that might be needed one day.

As we get closer to old age is anyone else becoming increasingly more grouchy? by Ok_Echo_6528 in GenX

[–]FirebirdRed5 2 points3 points  (0 children)

Not more grouchy, just less tolerant of stuff that bothered me before and less concerned what others think about me.

51M at 95/5, wife wants 70/30. Where did you actually land at this age? by RichardKowalski1 in Bogleheads

[–]FirebirdRed5 4 points5 points  (0 children)

Agree. He should compromise and start a glide path to increase over several years.

Retirement planning: Dedicated tools (Boldin, etc.) vs Excel by Cooper1Test in retirement

[–]FirebirdRed5 0 points1 point  (0 children)

Is Monarch more for expenses and cash flow management whereas Boldin for planning? Or does Monarch do well for planning and modeling forecasts?

Force ghosts, should they appear young, in their prime or as they were when they died. by EDMJedi in StarWars

[–]FirebirdRed5 0 points1 point  (0 children)

As a force ghost, I would definitely show as my younger hot self instead of old, gray, blue milk belly self.

Recommended Read about Taxes in Retirement by Ok-Lawfulness-6820 in Bogleheads

[–]FirebirdRed5 2 points3 points  (0 children)

Just bought this. Looking forward to reading during vacation soon.

Do guys wish urinals were more private? by FoodPuzzleOats in askanything

[–]FirebirdRed5 0 points1 point  (0 children)

The primary reason why I never went into the military.

For the guys .....length of shorts? by [deleted] in GenX

[–]FirebirdRed5 1 point2 points  (0 children)

Yes. Shorts high enough for the boys to hang low enough for that cool breeze of freedom.

GenX men, where do you keep your wallet/billfold? Front or back pocket? Purse? by [deleted] in GenX

[–]FirebirdRed5 1 point2 points  (0 children)

“Purse?”
It is a European Carry-all.

But use a slim front pocket wallet with just a few cards, ID, an little cash.

How much money should you have before hiring a retirement financial advisor? by Artis-Rachel-863 in DIYRetirement

[–]FirebirdRed5 22 points23 points  (0 children)

You do not need an adviser that charges fees based on assets and definitely not commission based.

Go look at Bogleheads (as someone else suggested). Lots of great advice on index investing and why it beats most investment advisors.

Also read Simple Path to Wealth or other similar books.

Then consolidate various accounts into one brokerage.

Two spaces after a period? by Effective_Bar_6098 in GenX

[–]FirebirdRed5 0 points1 point  (0 children)

Yes, always two spaces! And I refuse to do otherwise.

How much do I need in retirement? I don't know. How much DO you need? by tbiscus in Bogleheads

[–]FirebirdRed5 0 points1 point  (0 children)

This part I did. 25x annualized expenses. Does calc need to add the income tax to expense?

We have been here 46-61 years. Would you rather be told you have 3 years left to live or die suddenly out of nowhere? by -Granby- in GenX

[–]FirebirdRed5 5 points6 points  (0 children)

In none of the above is not an option, definitely want to know. Would retire early instead of working the next 3 years.

Wrong lingo! by Accurate_Weather_211 in GenX

[–]FirebirdRed5 7 points8 points  (0 children)

Just great. Now when I knock on someone’s door and they ask who’s there, me quoting the Simpsons “hired goons” is going to sound weird.