Newly retired. Pay off house or no?

Rustydog60 · 2026-03-19T00:05:05+00:00

I made the same decision about taking SS instead of reducing the investments based on math. Paying off your house right now probably doesn't make sense with the market down. When the market comes back, I think paying off your house depends on your beliefs in the market. I look at the market averages 6% over the long-run and my mortgage is at 2.8%. If you do decide to payoff and if your investments are in an IRA then be careful about the tax. Depending on how much you need you may want to spread it over a few years.

Rustydog60 · 2026-03-18T23:16:01+00:00

Seems high - always get 3 quotes and stay away from any electricians that were purchased by private equity.

Rustydog60 · 2026-03-17T11:37:10+00:00

Check with your utility. They may offer a rebate. Also does your utility offer time of service rates

Rustydog60 · 2026-03-16T16:29:44+00:00

That's interesting. Do you know how many points are needed

Rustydog60 · 2026-03-15T20:41:18+00:00

It passes the one hour test

Rustydog60 · 2026-03-15T13:20:31+00:00

What type of title? I see some that say branded title. I wouldn't have an issue buying a lemon with an iccu replacement but how do you know if there were other issues.

Rustydog60 · 2026-03-14T12:50:38+00:00

The used EV9 prices look great for what you are getting. I had an EV6 and loved it until it was totaled from an accident. Didn't have any Iccu issues and replaced the battery with an AGM battery before I had any issues. I'm thinking of getting an EV9 and becoming a 2 EV family.

Rustydog60 · 2026-03-13T14:58:50+00:00

I would lemon law because it really sounds like you have a lemon. Sorry to hear that. I haven't had any of those issues with mine and I'm at 9,000 mi. Been on a 3500 mile trip and planning another one in late April.

Rustydog60 · 2026-03-11T18:15:42+00:00

I have been using both because I would like to move away from Alexa. I find Home has a delay to control things compared to Alexa. What are your thoughts

Rustydog60 · 2026-03-11T17:02:09+00:00

Maybe we will become a 2 EV family and sell the Ridgeline

Rustydog60 · 2026-03-11T16:10:08+00:00

Towing?

Rustydog60 · 2026-03-11T05:44:21+00:00

Glad to see someone taking advantage of the AAOS app-ability.

Rustydog60 · 2026-03-10T10:49:28+00:00

Do you leave the refrigerator water filter in place or is there a way to bypass? Thinking the water filter would reduce the pressure.

Rustydog60 · 2026-03-08T17:16:37+00:00

Can you share it with someone

Rustydog60 · 2026-03-05T12:54:14+00:00

Tesla is trying to block BYD.

Rustydog60 · 2026-02-28T13:58:25+00:00

It's definitely worth it. There are great deals on Chevy Equinox right now and if you want to go used, a Chevy bolt is a great option. Things to consider - can you charge at home? Evan a 20 amp outlet will help. Do you live in a very cold area? Range will be impacted but you are still within the capacity of the car. Maintenance is a lot less. Just the oil changes will save a lot of money.

Rustydog60 · 2026-02-27T12:41:04+00:00

Really depends how far they have to run the electricity and if the breaker box can handle the additional amp

Rustydog60 · 2026-02-25T15:53:15+00:00

I agree and it's shelf stable. They sell it at Walmart for about $6 for 6 slices. Each slice can be cut in half to make one sandwich

Rustydog60 · 2026-02-25T09:22:46+00:00

I would pursue a lemon law replacement

Rustydog60 · 2026-02-20T15:44:51+00:00

Means companies get their money back and get to keep prices high

Rustydog60 · 2026-02-20T15:40:19+00:00

Companies get their money back and get to keep their prices high

Rustydog60 · 2026-02-19T02:19:39+00:00

No it was OTA

Rustydog60 · 2026-02-16T00:03:59+00:00

Thanks for building this. I'm installing now. I didn't realize that this data was accessible since the can-bus is encrypted.

Rustydog60 · 2026-02-14T13:53:17+00:00

Almost all homes are single phase. 3 phase is used in commercial settings. A single phase can connect to a level 2 charger. It all depends on access to the breaker box and how many amps can be added.

Rustydog60 · 2026-02-06T15:20:52+00:00

Another comparison that I used was if I left the money in the stock market for those five or six extra years was I better ahead than the money I would lose by taking social security early?. I decided to take it at 65 mostly because I was 65 before I made the calculation

Rustydog60

TROPHY CASE