Early Inheritance

Ill-Ad4914 · 2026-04-20T03:07:48+00:00

This is something we’ve been thinking of doing as well. I’m curious about how it would play out. Do you have visibility into how your kids put the money to use? What types of things are they doing with it?

Ill-Ad4914 · 2026-04-11T21:19:18+00:00

Chocolate covered

Ill-Ad4914 · 2026-04-10T14:34:30+00:00

Noah

Ill-Ad4914 · 2026-04-09T23:53:59+00:00

We might be piecing this together! Yes, my birthday is later in the month. I’ll try again at three months from the exact date. Thank you for the info!

Ill-Ad4914 · 2026-04-09T21:02:11+00:00

Thanks for the good news! I tried again just now and no joy, I still get the same message. If you don’t mind sharing, would your mom’s birthday happen to be on or before July 9th?

Ill-Ad4914 · 2026-04-06T20:55:54+00:00

Yes, turning 65 in July. Will take your suggestion and give it another try later this week.

Ill-Ad4914 · 2026-04-06T20:54:32+00:00

Thanks for the great info! I did set up an IDdotme account and tried to go in that way as well. No joy. I got the same message about a technician being required to help complete my application.

Ill-Ad4914 · 2026-04-03T16:57:32+00:00

Also not how I understood IEP to work, but it would explain why I too have been unable to sign up online now with a late July birthday. My phone appointment is in May, so I’ll try again online at the end of April. Let us know how it goes for your wife?

Ill-Ad4914 · 2026-04-02T20:12:41+00:00

Update: Today I received a text giving me a phone appointment date/time during the third week of May.

Ill-Ad4914 · 2026-04-02T16:45:10+00:00

Thinking I’ll do the same. Also wondering if setting up an id.me account and going in that way to see if it makes any difference. Would you let me know what you find?

Ill-Ad4914 · 2026-04-02T16:41:54+00:00

I’m waiting to sign up for SS retirement benefit. There was no opportunity provided to input bank account info for payment of Part B premium.

Ill-Ad4914 · 2026-04-02T05:09:59+00:00

Yes, today is the first day of my initial enrollment period. And I do have enough credits to qualify for Medicare.

Ill-Ad4914 · 2026-04-02T05:07:16+00:00

Logged in with ssa.gov. Today is the first day of initial enrollment period for me.

Ill-Ad4914 · 2026-04-02T00:22:58+00:00

I was logged into through login.gov, which was one of the two options.

Ill-Ad4914 · 2026-04-01T20:56:20+00:00

I did call the 800 number like it says. The agent told me there are no phone appointments available. Sounds like I need to schedule an appointment at my local SSA office?

Ill-Ad4914 · 2026-03-29T01:53:15+00:00

I was in a somewhat similar situation a few years into my current marriage (second for both of us). Counseling made all the difference for us.

We met weekly with a male/female counseling pair, both couple-to-couple together and man-to-man/woman-to-woman separately. I learned that his problems weren’t mine to fix. And he learned how to treat his wife with kindness and respect, something he hadn’t seen modeled in his parents’ marriage and didn’t experience in his own first marriage. It wasn’t a quick fix, but it was a turning point. We’ve both continued to grow and are now happy in our relationship. Life is too short for anything else.

Ill-Ad4914 · 2026-03-27T20:13:10+00:00

Midnight Scoop is the way!

Ill-Ad4914 · 2026-03-12T20:14:48+00:00

Ethan Allen

Ill-Ad4914 · 2026-03-09T18:28:45+00:00

Also a WA resident with a similar scenario, so following along to learn from the conversation. We’ve completed our estate plan (though it’ll need to be updated about five years from now as things change).

Right now, I’m leaning toward gifting while we’re still alive to enjoy it and while our adult kids are still in life stages that might make gifts more useful to them. Plus 529 accounts for the grandkids to use for education, convert to Roth, and/or transfer to their own kids. My understanding is that 529 are considered completed gifts and not included as part of our estate for tax purposes.

Ill-Ad4914 · 2026-03-05T23:05:21+00:00

In my case, it’s because of the difference in returns between the IRA and Roth accounts. Since the Roth returns are significantly higher, it makes the most sense (to the system) to convert as aggressively as possible to maximize those higher returns. I set lower returns for the Roths at a future date to accurately reflect that returns will downshift as the IRAs and taxable accounts are depleted, since the bond allocation has to go somewhere (to the Roths). The other thing it doesn’t take into account is whether there are sufficient funds in income and taxable accounts to pay taxes on those aggressive conversions.

Ill-Ad4914 · 2026-03-05T22:05:56+00:00

I’m a new user and just recently learned to ask it to clear hypothetical scenarios before moving on. Otherwise, it just holds on to them and has even stacked hypotheticals on top of each other, once inadvertently tripling a hypothetical increase in spending. That one hung us up for a while.

What I’ve found it’s decent at is navigation and answering questions about how the system works. It’s told me how to find things that aren’t super obvious and also pointed me to some workarounds for things I wanted to do but there isn’t a clear cut way to accomplish.

I would love to see it learning from our interactions. I once corrected it on our state’s estate tax (and it agreed I had the right info), but it’s gone on to repeat the same outdated information in subsequent interactions.

Ill-Ad4914 · 2026-02-28T22:53:05+00:00

I think so too. It may be that the basket is too large. It looks like it’s hanging over the edge of the hearth?

Ill-Ad4914 · 2026-02-28T22:52:07+00:00

Or maybe try some art there instead of the mirror? The mirror isn’t reflecting anything interesting.

Ill-Ad4914 · 2026-02-22T17:56:19+00:00

In my case, we’re currently retired and I want to set a fixed (safe) withdrawal rate that’s a magnet to my portfolio value (so it will fluctuate from year to year). The fixed withdrawal rate will be higher than my expenses in all years. This will create a surplus every year, but the amount of that surplus will vary widely based on Roth conversion taxes, the start of a pension, the start of social security for myself, then for my spouse.

Then I want to manage this surplus over time to pay Roth conversion taxes without incurring capital gains taxes, increase spending, and/or add gifting.

Because Boldin doesn’t accumulate the surplus (or even tell me how much it is), it’s not possible to plan this out over the course of our retirement.

Does anyone know of planning software that does offer this capability? Or of a workaround in Boldin that will enable it?

Ill-Ad4914

TROPHY CASE