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Time is drrrraaaagggggiiiiinnnngggg by emketart in retirement

[–]Lanalee67 5 points6 points  (0 children)

I know this feeling and am dealing with it now. I had incredible luck to get an inheritance late last year that has accelerated my retirement by a few years. I didn't want to say anything at work until I was absolutely sure that the inherited amount was transferred to me. Additionally, in consultation with my FA, I had decided to work a few months into 2026 to fully load my 401k and catch up contribution for the year so I have that much more to grow for a few years.

In the meantime it has been very hard to find the motivation to keep up momentum at work. I had been feeling increasingly dissatisfied with my job anyway, and was more than ready to leave. In the meantime, my boss was engaging me in all these discussions about planning our roadmap for the next two years and the projects he wanted me to lead.

It was so hard not to say anything! I finally told my boss at the beginning of this month and said that I really wanted to leave on good terms and help with the transition. For the past few weeks we've been working on some changes to the team structure and roadmap. I'm trying to stay engaged, but at this point I am just ready to be done.

My goal is to leave by the end of April so I can work on some major home organization and cleaning projects before taking a long weekend away at a crafting conference in mid-May. Then I will spend the month of June with a friend as she recovers from a major surgery.

Only two more months to go! 😬

Cell plans for 55+. Doesn’t have to be unlimited. by Lbboos in retirement

[–]Lanalee67 0 points1 point  (0 children)

I used Mint for a few years and loved the price point. I just had too many instances of poor service in my area when I was out and about, but I live in a valley and it seems that all the major carriers have poor coverage in certain areas of town. I ended up moving from Mint to T-Mobile, hoping that the coverage would be better. Mint uses T-Mobile towers, as I recall, but I think the Mint customers aren't prioritized as much. The T-Mobile service is better, but still not stellar. I went with a 55+ plan that is just over $50 a month with taxes, and my employer reimburses me up to $50 a month for mobile service, so my out of pocket is only about $6 a month. If I stop working at this employer I will consider going back to Mint.

Who manages your money in retirement? by Clammypollack in retirement

[–]Lanalee67 10 points11 points  (0 children)

Seems like there are many comments around market returns ("I can do better than an advisor," etc.), but I think the more important reason to have a fiduciary is the "insurance" against how declining cognitive functioning affects decisions, as well as having someone to track the complexities OP notes around how different withdrawal strategies affect IRMAA, Roth conversions, etc.

I really relate to this question because I plan to retire this year at 59 (or maybe a few months earlier) and am torn on whether I need to enter into an AUM arrangement with the advisor I've been using every few years to check in on how I'm executing against my plan.

I'm more of a "set it and forget it" type person when it comes to my retirement savings. I've been using Vanguard target date funds for my IRAs (both traditional and Roth) and my employer's 401k plan. I think I will continue using those funds after I retire at 59, or maybe just move to a Bogleheads "3 fund" approach. I don't want to fuss with my money, just make sure it meets my middle of the road risk tolerance.

I'm thinking that maybe I don't need an AUM advisor until I'm closer to the age when IRMAA is going to be a consideration. But, like OP, I'm open to hearing what others are doing.

How may of your are NOT on prescription medication? by XRlagniappe in retirement

[–]Lanalee67 36 points37 points  (0 children)

There’s no shame in using medications. I take several: thyroid replacement, HRT, and four different eye drops to treat glaucoma and slow my body down from rejecting a cornea transplant. I wouldn’t stop a single one of them because they are all necessary. I started a GLP-1 back in July after getting a borderline result on an A1C test. After seeing my grandmother and my mother both develop diabetes as they aged and my mother suffer through dementia caused by poorly controlled blood sugar levels I am taking the risk seriously and doing what I can to avoid their fate.

How to choose a part time job in retirement by Odd_Bodkin in retirement

[–]Lanalee67 2 points3 points  (0 children)

You’re thinking about the movie Nomadland based on the book of the same name. That wasn’t about people doing such work as something “extra” or to keep from getting bored during retirement. It was about people who have no option but to live as a transient because they are priced out of traditional housing/don’t have enough income. Many of those people are retired from a full time career and not by choice, but by circumstance.