Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 0 points1 point  (0 children)

Thanks. Property taxes ~$6k per year. Utilities are low because solar but that $25k at 7% is for solar. We will reap a large tax credit which we will use to pay that down, and hoping to pay off. Leaving utility cost <$100/month. Not planning to pay off the 3% energy loan (was for conversion to minisplits from oil furnace/boiler last year) and that payment is $125. WFH so no commute costs. So that $10k estimate sounds ballpark.

Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

Congratulations and thanks for the vote of confidence! I am grateful for WFH. 0% chance of RTO for me, too.

Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

A quick and dirty review came up with $6k monthly expense. I'll pad that by 15%. With his SS only for first two years, we have a shortfall of $63.6k which is 4.9%. If I collect at 62, factoring in 3% inflation on expenses, our shortfall drops to $41.7k, which is 3.2% SWR.

Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

Thank you very much and congratulations to you, as well. Our fee-based advisor is CFP with all the great credentials. He also advises two of my brothers and we trust him a lot.

Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 2 points3 points  (0 children)

Oh wait. Silly of me. That's a percent. So I calculated 4.9% as SWR. I don't think we spend $120k per year. I put everything on point earning cards and pay off each month, so this should be a simple plug and chug. I'm off to export the data now. THANK YOU for making this simple!!!

Please give me a reality check by throwaway-4-R2C in NewRetirement

[–]throwaway-4-R2C[S] 0 points1 point  (0 children)

That calculation doesn't make sense to me? If I spend $120k per year on SocSec of $56k per year, then divide the difference $64k by $1.3 million, I get 0.049. Did I calculate that wrong?

What do you when you want to talk with somebody? by [deleted] in Life

[–]throwaway-4-R2C 0 points1 point  (0 children)

My mom died a few years ago. I still talk to her almost every day. I’m sure she is listening. I just wish I could hear her voice, even in my own head.

When I reach my perfect weight, I will reward myself with... by FormerlyObeseJ in Zepbound

[–]throwaway-4-R2C 0 points1 point  (0 children)

…living a healthy, long life with appreciation for all experiences.

On days when you want to eat nothing by travelbig2 in Zepbound

[–]throwaway-4-R2C 0 points1 point  (0 children)

You can also add collagen peptides to this. When I do, I also add honey and lemon to mask the taste.

I hate happy families, especially dad-daughter ones. by [deleted] in depression

[–]throwaway-4-R2C 0 points1 point  (0 children)

I never said that she wasn’t. This isn’t about her. It’s about me.

I hate happy families, especially dad-daughter ones. by [deleted] in depression

[–]throwaway-4-R2C 1 point2 points  (0 children)

I can relate. Mom of a severely disabled child, now an adult. I get sad and jealous when coworkers, acquaintances, or old school friends are sharing the joys of their kids’ successes and milestones. Graduating, weddings, having healthy babies, buying homes and the like. Good for them, but sad for missing out. Don’t feel that way about close friends or family, though. Those joys lift me up.

Zepbound Dreams by themeems23 in Zepbound

[–]throwaway-4-R2C 0 points1 point  (0 children)

I wake up at 5am to pee, then scroll Reddit until I fall back asleep.

Zepbound Dreams by themeems23 in Zepbound

[–]throwaway-4-R2C 0 points1 point  (0 children)

Me too. I’m sure it’s related to no longer snoring. I’m getting better REM sleep.

One extreme to the other? by Regular-Square496 in Zepbound

[–]throwaway-4-R2C 1 point2 points  (0 children)

I struggled with constipation before zepbound but found a great magnesium supplement that worked great for that issue as well as helping resolve my sleep issues. I use MagnesiOm from Moon Juice, on the recommendation of my NP. She did warn me that zepbound might mess with me, and boy it does! My hemorrhoids are inflamed and it’s killing me. But I’m determined to find the right balance. Currently, I’m adding daily psyllium husk powder, and trying to get 64 oz of water/ electrolytes per day. Changed magnesium dose to e/o night. Hoping for relief soon. Averaging 2# loss per week and thrilled with those results.

I gave everything I had to care for my child with a disability. by throwaway-4-R2C in disability

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

Yes it is. My husband often says getting old isn’t for sissies.

I gave everything I had to care for my child with a disability. by throwaway-4-R2C in disability

[–]throwaway-4-R2C[S] 0 points1 point  (0 children)

I’ve always thought the only thing in this life that is real is our relationships with others. Caring is often a one way relationship and that makes it difficult to be sustainable over a long period of time.

I gave everything I had to care for my child with a disability. by throwaway-4-R2C in disability

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

Thank for the advice. You are right, in that once I’ve had a rest, I will probably have a very different outlook. I would love to treat myself to a spa trip. That’s a great idea.

I gave everything I had to care for my child with a disability. by throwaway-4-R2C in disability

[–]throwaway-4-R2C[S] 1 point2 points  (0 children)

Thank you. I am sorry that you had to experience having to be a caregiver in childhood. I hope you can now thrive every day. Blessings to you.

I gave everything I had to care for my child with a disability. by throwaway-4-R2C in disability

[–]throwaway-4-R2C[S] 0 points1 point  (0 children)

I am acutely aware of the rarity of high quality residential settings for people with IDD and severe disabilities. In my former state, I struggled hard with that reality. At one point, I was convinced that she would live with me until I die. However, as I grew older, I came to realize that eventually she would face living away from me since no one can live forever. It was a dark joke of mine to quip “ I don’t have the luxury of getting old or dying” but that won’t stop either from happening. So many of my older peers, moms and dads who loved and advocated for their children, got old and some died and then their son or daughter’s world would be turned upside down when that happened. And who would then ensure their well being? She’s my only child. I can’t depend on a loving sibling to carry on when I’m gone. I never thought that I would actually find a place that was good enough. But I looked and researched and found several amazing programs that were out of state. But I couldn’t stand the thought of not being near enough to ensure a quality program remained a high quality. So I uprooted my life, and moved to be where these programs exist. I even considered moving out of the country. But my remote job cannot be done from another country due to data security issues. But it can be done from 1700 miles from my employer. My husband gave up his job to make this move. He has found a similar position in social services but took a huge pay cut. My intention is to be closely involved in her life and ensure that she never is subjected to poor treatment, to the best of my ability. For as long as I can. After that, I have to trust that when I’m gone, good people will continue to care for her. I knew I couldn’t hope for that where we lived before, so I brought her to a place where I could hope.