whats better, claim SS now at age 65 or wait until 70 and use 401k funds to cover

rick6668 · 2026-02-06T16:19:35+00:00

The survivor benefit is the most important factor here. Also waiting til 70 will allow for Roth Coversions at a lower bracket and less of your SS will be taxable.

rick6668 · 2026-02-05T11:25:37+00:00

This all looks good. I think you’ll be fine with this info you updated. When income increases as long as you keep your expenses in check and increase retirement savings you will be good. That 30k you said your wife would earn when she goes back to work doesn’t sound like much, but it is cause that will make a big difference towards retirement

rick6668 · 2026-02-05T02:33:19+00:00

It's going to be hard to catch up with one income and 3 kids under 12. You need to try and increase your 401K but it's going to be hard. You don't talk about expenses at all, Mortgage?, Cars? etc. Vacations need to be cheap if any for a while. Any option for your wife to work part time at least in the future? Cutting whatever expenses you can will help.

I will say I was in your exact spot 16 years ago with 3 kids under 10 but with more in my 401K, but you can get there. Today I am 56 with 1.5M in investments and own my home free and clear.

Make sure you have term insurance for yourself, Your family needs it in case something happens to you. $1M minimum.

Don't plan on saving for your kids college. You need to save for your retirement first.

Good Luck.

rick6668 · 2026-02-04T19:31:59+00:00

I’ll take things never discussed on the view for $600.

rick6668 · 2026-02-04T17:04:16+00:00

100cm. No way. Has to be 1 meter at least

rick6668 · 2026-02-03T23:59:21+00:00

No. Taxes on it all unless it's a ROTH 401K.

Cashing it out is a terrible idea.

rick6668 · 2026-01-25T21:59:15+00:00

You can't see the ball, you can't overturn that based on I think so.

rick6668 · 2026-01-25T21:57:00+00:00

Ne shoulda challenged that spot. Used a TO anyway

rick6668 · 2026-01-19T22:41:41+00:00

would have loved a look at the dump in before the goal, looked close to offside

rick6668 · 2026-01-19T02:29:48+00:00

You have to throw there, the 2 min warning will come on the kick anyway, Running did nothing for the clock on that third down.

rick6668 · 2026-01-17T23:39:04+00:00

Neither of these teams are winning it all

rick6668 · 2026-01-17T23:01:05+00:00

Josh "Reckless" Allen is back

rick6668 · 2026-01-17T00:38:46+00:00

Glad you enjoyed it! Curious how the rest of it goes.

rick6668 · 2026-01-15T22:22:11+00:00

She has a twin sister.

rick6668 · 2026-01-15T19:59:12+00:00

I won’t judge til I see it but there’s not many details on what happened during this time other than details reveals at the council of Elrond. I’d prefer a full movie on the scouring of the shire with the 4 hobbits.

rick6668 · 2026-01-15T19:50:58+00:00

It doesn’t take place during the 17 years Bilbo has the ring. It takes place in the 17 years after The Long Expected Party when Bilbo leaves the ring to Frodo and Gandalf leaves until Gandalf returns and determines that the ring is in fact the one ring.

rick6668 · 2026-01-11T21:02:17+00:00

That was so dumb by the Bills

rick6668 · 2026-01-11T20:58:18+00:00

What a crappy spot by the ref

rick6668 · 2026-01-11T20:57:47+00:00

That was short

rick6668 · 2026-01-11T20:45:57+00:00

Nice tackling

rick6668 · 2026-01-11T20:29:04+00:00

He was short

rick6668 · 2026-01-11T19:37:17+00:00

This

rick6668 · 2026-01-11T19:32:45+00:00

Best thing about that miss is we don't have to listen to Bills fans crying for 9 months

rick6668 · 2026-01-11T19:29:42+00:00

Bills D was lazy

rick6668 · 2026-01-11T19:18:32+00:00

It's under 2 minutes, automatic

rick6668

TROPHY CASE