# Retirement Investing **URL:** https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=3 [Latest](https://discussion.fool.com/latest.md) · [Categories](https://discussion.fool.com/categories.md) · [Tags](https://discussion.fool.com/tags.md) **Page:** 4 --- ## [What's better than an MBA, CPA, or Certified Financial Planner?](https://discussion.fool.com/t/whats-better-than-an-mba-cpa-or-certified-financial-planner/100657)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [January 15, 2024, 9:54am UTC](https://discussion.fool.com/t/whats-better-than-an-mba-cpa-or-certified-financial-planner/100657 "2024-01-15T09:54:11Z")
Becoming a Dave Ramsey certified Financial Coach ($2,295 fee) Financial Coach Master Training (ramseysolutions.com) You may also be interested in becoming a Dave Ramsey SmartVestor Pro ($7,500 to $11,000 annual fee). D… --- ## [Retirement timing scenario examples - middle](https://discussion.fool.com/t/retirement-timing-scenario-examples-middle/98709)
**Author:** [@FlyingCircus](https://discussion.fool.com/u/FlyingCircus)\ **Replies:** 6\ **Last updated:** [January 14, 2024, 5:55pm UTC](https://discussion.fool.com/t/retirement-timing-scenario-examples-middle/98709 "2024-01-14T17:55:54Z")
At the risk of oversharing. I’m considering retiring early in 15 months at 61 (early '25). I’ve run all the numbers and have put the assumptions below and a scenario table below that. There’s been some big retirement num… --- ## [States with the best tax regimes for the wealthy](https://discussion.fool.com/t/states-with-the-best-tax-regimes-for-the-wealthy/100518)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 26\ **Last updated:** [January 14, 2024, 5:46pm UTC](https://discussion.fool.com/t/states-with-the-best-tax-regimes-for-the-wealthy/100518 "2024-01-14T17:46:59Z")
The best state for wealthy oligarchs is Florida, #2 is Washington State where you get Florida-like taxation without all the racism and dysfunction that adds extra costs beyond the tax rate. This link has The 10 Most Reg… --- ## [29-yr-old Google Ai PhD gives masterclass in FIRE](https://discussion.fool.com/t/29-yr-old-google-ai-phd-gives-masterclass-in-fire/100588)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 1\ **Last updated:** [January 13, 2024, 9:09am UTC](https://discussion.fool.com/t/29-yr-old-google-ai-phd-gives-masterclass-in-fire/100588 "2024-01-13T09:09:32Z")
This caught my eye. {{ In 2022, we traveled so much that I was outside the US for 11 months, thereby qualifying as a US nonresident. This meant I could sell all my stocks, without paying US capital-gains taxes. }} Is… --- ## [A Tale of Two Taxes](https://discussion.fool.com/t/a-tale-of-two-taxes/100562)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 1\ **Last updated:** [January 12, 2024, 5:59pm UTC](https://discussion.fool.com/t/a-tale-of-two-taxes/100562 "2024-01-12T17:59:34Z")
Interesting comparison of $2+ MM homes in New York and Connecticut. $2.2MM, 4,550 SF home in Greenwich, CT, taxes $10,212/yr $2.5MM, 5,000 SF home in Dobbs Ferry, NY, taxes $57,077/yr https://www.nytimes.com/2024/01/1… --- ## [Suze Orman: 4% rule is dangerous, Bill Bengen: It's too conservative](https://discussion.fool.com/t/suze-orman-4-rule-is-dangerous-bill-bengen-its-too-conservative/100559)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 1\ **Last updated:** [January 12, 2024, 12:35pm UTC](https://discussion.fool.com/t/suze-orman-4-rule-is-dangerous-bill-bengen-its-too-conservative/100559 "2024-01-12T12:35:07Z")
Suze Orman never struck me as a math person. She’s more of a personal finance entertainer like Dave Ramsey. It’s odd that Bill Bengen uses some kind of ill-defined, 3rd Party market timing service to manage his own reti… --- ## [The most groundbreaking SWR study ever](https://discussion.fool.com/t/the-most-groundbreaking-swr-study-ever/100569)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [January 12, 2024, 10:01am UTC](https://discussion.fool.com/t/the-most-groundbreaking-swr-study-ever/100569 "2024-01-12T10:01:27Z")
About 8 years ago Professor of Retirement Income, Dr. Wade Pfau produced these blockbuster results. Study from ‘Professor of Retirement Income’ Dr. Wade Pfau shows you can double your retirement income by dumping your f… --- ## [How I used the 4% rule over the past 29 years](https://discussion.fool.com/t/how-i-used-the-4-rule-over-the-past-29-years/100000)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 41\ **Last updated:** [January 12, 2024, 8:21am UTC](https://discussion.fool.com/t/how-i-used-the-4-rule-over-the-past-29-years/100000 "2024-01-12T08:21:20Z")
January 2024 update to REHP site. intercst --- ## [Special Retirement Risks For The Upper-Middle Class](https://discussion.fool.com/t/special-retirement-risks-for-the-upper-middle-class/100362)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 8\ **Last updated:** [January 10, 2024, 5:36pm UTC](https://discussion.fool.com/t/special-retirement-risks-for-the-upper-middle-class/100362 "2024-01-10T17:36:18Z")
{{ When surveyed, most in the group believe the main risks to their retirement financial security are the stock market, inflation, and changes in government policies. Those are real risks, but they aren’t the risks that… --- ## [Mr Smith & dividends forever](https://discussion.fool.com/t/mr-smith-dividends-forever/100335)
**Author:** [@HohumYNWA](https://discussion.fool.com/u/HohumYNWA)\ **Replies:** 4\ **Last updated:** [January 9, 2024, 8:24pm UTC](https://discussion.fool.com/t/mr-smith-dividends-forever/100335 "2024-01-09T20:24:02Z")
Happy New Year ! Per the start of each New Year, there is something enjoyable to starting the clock and trying something fresh. With that in mind, Mr Samuel Smith has a 10-holding portfolio that he claims can provide y… --- ## [Retiring on Social Security with little other income/assets](https://discussion.fool.com/t/retiring-on-social-security-with-little-other-income-assets/100336)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 15\ **Last updated:** [January 9, 2024, 3:25pm UTC](https://discussion.fool.com/t/retiring-on-social-security-with-little-other-income-assets/100336 "2024-01-09T15:25:35Z")
WSJ profiles four folks who are doing this. Seems that people make adjustments, and find a way to make it work. free link: The last women in the article should be giving seminars. She kept her Tesla and is currently o… --- ## [Retiree Medicare Premium Deduction for Business Owners](https://discussion.fool.com/t/retiree-medicare-premium-deduction-for-business-owners/100259)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 3\ **Last updated:** [January 7, 2024, 3:31am UTC](https://discussion.fool.com/t/retiree-medicare-premium-deduction-for-business-owners/100259 "2024-01-07T03:31:04Z")
WSJ just alerted me to another tax provision of interest. {{ Medicare premium deduction “If you are a retiree who is self-employed, you can deduct your Medicare premiums even if you don’t itemize,” Koeppel says. This … --- ## [Rent vs. Buy your home](https://discussion.fool.com/t/rent-vs-buy-your-home/100211)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 16\ **Last updated:** [January 6, 2024, 6:18am UTC](https://discussion.fool.com/t/rent-vs-buy-your-home/100211 "2024-01-06T06:18:20Z")
PBS News Hour had a short segment with NY Times economics reporter David Leonhardt where he confirmed that “your home as an investment” is a lie that been told for decades by the Real Estate and Mortgage industries. … --- ## [Rent vs. Buy 2000 to 2023](https://discussion.fool.com/t/rent-vs-buy-2000-to-2023/100240)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 6\ **Last updated:** [January 6, 2024, 5:04am UTC](https://discussion.fool.com/t/rent-vs-buy-2000-to-2023/100240 "2024-01-06T05:04:26Z")
It’s difficult to find credible information on the rent vs.buy decision since most of the stuff you see is from the real estate industry which makes more money convincing people to buy a home. A large wealth management … --- ## [How Often Should You Mess With Your 401(k)?](https://discussion.fool.com/t/how-often-should-you-mess-with-your-401-k/100152)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 1\ **Last updated:** [January 3, 2024, 9:00pm UTC](https://discussion.fool.com/t/how-often-should-you-mess-with-your-401-k/100152 "2024-01-03T21:00:06Z")
WSJ discusses the advantages of portfolio rebalancing. Rebalancing is good, but I’ve only done it to the extent that it doesn’t trigger any additional Federal income tax liability in my taxable accounts. intercst --- ## [New IRA/401k Rule for 2024](https://discussion.fool.com/t/new-ira-401k-rule-for-2024/100006)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 3\ **Last updated:** [January 1, 2024, 4:37pm UTC](https://discussion.fool.com/t/new-ira-401k-rule-for-2024/100006 "2024-01-01T16:37:28Z")
{{ Domestic abuse victims under age 59½ can now take up to $10,000 from their IRAs or 401(k)s without paying the 10% penalty tax. }} No word on whether you can self-identify as a “Domestic abuse victim”, or if you need … --- ## [Abandoned school -\> Apt complex](https://discussion.fool.com/t/abandoned-school-apt-complex/99827)
**Author:** [@HohumYNWA](https://discussion.fool.com/u/HohumYNWA)\ **Replies:** 3\ **Last updated:** [December 26, 2023, 1:49am UTC](https://discussion.fool.com/t/abandoned-school-apt-complex/99827 "2023-12-26T01:49:46Z")
A trio of investors transformed an abandon school into a modern apartment complex. Bought the abandoned school for $100K, and then secured $3.3M investment (one of the three is involved with real estate) and transformed… --- ## [IRMAA bracket bust -- lesson learned](https://discussion.fool.com/t/irmaa-bracket-bust-lesson-learned/99717)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 6\ **Last updated:** [December 22, 2023, 3:11pm UTC](https://discussion.fool.com/t/irmaa-bracket-bust-lesson-learned/99717 "2023-12-22T15:11:25Z")
I did a Roth conversion of about 80% of my planned total for the year back during the September stock market lows, thinking I could move more shares to my Roth for the same dollar amount. Then I’d do a second Roth conver… --- ## [Biggest worry for wealthy Americans in 2024 is not inflation](https://discussion.fool.com/t/biggest-worry-for-wealthy-americans-in-2024-is-not-inflation/99368)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 18\ **Last updated:** [December 18, 2023, 3:35pm UTC](https://discussion.fool.com/t/biggest-worry-for-wealthy-americans-in-2024-is-not-inflation/99368 "2023-12-18T15:35:46Z")
Politics is the biggest pocketbook concern for the wealthy, though opinions are split for which candidate would be worse for their portfolio. This poll was also interesting. {{ However, affluent Americans appear to ne… --- ## [$190,000/yr income, can we live comfortably on 1 or 2 trips a year?](https://discussion.fool.com/t/190-000-yr-income-can-we-live-comfortably-on-1-or-2-trips-a-year/99415)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 10\ **Last updated:** [December 15, 2023, 6:47pm UTC](https://discussion.fool.com/t/190-000-yr-income-can-we-live-comfortably-on-1-or-2-trips-a-year/99415 "2023-12-15T18:47:43Z")
Most retirees with that level of income are taking a minimum of 5 luxury trips per year, I’d be very uncomfortable with only two. intercst --- ## [Are you a "Constrained Investor" retiree?](https://discussion.fool.com/t/are-you-a-constrained-investor-retiree/99360)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 8\ **Last updated:** [December 14, 2023, 3:43pm UTC](https://discussion.fool.com/t/are-you-a-constrained-investor-retiree/99360 "2023-12-14T15:43:13Z")
More ground breaking research from Professor of Retirement Income Wade Pfau. If you’re a “Constrained Investor”, we have an annuity for you. In fairness to Professor Pfau, not all of his research is bad. Some years b… --- ## [Does a Roth conversion make sense for me?](https://discussion.fool.com/t/does-a-roth-conversion-make-sense-for-me/99349)
**Author:** [@bjurasz](https://discussion.fool.com/u/bjurasz)\ **Replies:** 8\ **Last updated:** [December 13, 2023, 8:03pm UTC](https://discussion.fool.com/t/does-a-roth-conversion-make-sense-for-me/99349 "2023-12-13T20:03:37Z")
I don’t think it does. I’m 57 with a large traditional IRA account. But thanks to RSU’s at my new employer I’m in a position of being in a very high tax bracket. Which makes me think a Roth conversion makes zero sense… --- ## [4% rule guardrails?](https://discussion.fool.com/t/4-rule-guardrails/99352)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 5\ **Last updated:** [December 13, 2023, 4:12am UTC](https://discussion.fool.com/t/4-rule-guardrails/99352 "2023-12-13T04:12:35Z")
Latest thinking from experts who aren’t retired is that one should use “guardrails”. A 5.2% withdrawal is “safe”, if you’re willing to cut spending in a stock market decline. I’ve actually used the “reverse guardrails” … --- ## [A new Social Security "Bridge Benefit"](https://discussion.fool.com/t/a-new-social-security-bridge-benefit/99171)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 5\ **Last updated:** [December 12, 2023, 7:45pm UTC](https://discussion.fool.com/t/a-new-social-security-bridge-benefit/99171 "2023-12-12T19:45:03Z")
Interesting proposal in this CNBC article. I think it might be beneficial if the Social Security Administration managed it itself in a “low-to-no-fee” manner. Bringing in Wall Street and the insurance industry to do it w… --- ## [Expense Ratio for S&P 500 ETF slashed to 0.02%](https://discussion.fool.com/t/expense-ratio-for-s-p-500-etf-slashed-to-0-02/96531)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 17\ **Last updated:** [December 4, 2023, 1:52pm UTC](https://discussion.fool.com/t/expense-ratio-for-s-p-500-etf-slashed-to-0-02/96531 "2023-12-04T13:52:41Z")
intercst --- ## [Dave Ramsey's 8% Withdrawal Rate](https://discussion.fool.com/t/dave-ramseys-8-withdrawal-rate/98526)
**Author:** [@AdrianC](https://discussion.fool.com/u/AdrianC)\ **Replies:** 46\ **Last updated:** [December 2, 2023, 4:12am UTC](https://discussion.fool.com/t/dave-ramseys-8-withdrawal-rate/98526 "2023-12-02T04:12:24Z")
This is doing the social media rounds. Here’s a good analysis: How Crazy is Dave Ramsey’s 8% Withdrawal Rate Recommendation? - Early Retirement Now “So here is my analysis, more detailed than I could do in a tweet: Don… --- ## [IBM bringing back pensions, cutting 401k match](https://discussion.fool.com/t/ibm-bringing-back-pensions-cutting-401k-match/98742)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 5\ **Last updated:** [November 27, 2023, 3:57pm UTC](https://discussion.fool.com/t/ibm-bringing-back-pensions-cutting-401k-match/98742 "2023-11-27T15:57:33Z")
{{ In November, IBM announced a significant change to the way it structures its retirement benefits. The company is a benefits bellwether in corporate America. It was one of the first to offer a 401(k), in 1983. IBM is … --- ## [Intercst(JG) and others who care to chime in](https://discussion.fool.com/t/intercst-jg-and-others-who-care-to-chime-in/98751)
**Author:** [@branmin](https://discussion.fool.com/u/branmin)\ **Replies:** 2\ **Last updated:** [November 25, 2023, 10:14pm UTC](https://discussion.fool.com/t/intercst-jg-and-others-who-care-to-chime-in/98751 "2023-11-25T22:14:26Z")
Think I’m sticking with Aetna(Silverscript/CVS) for Part D. Rates as you know nearly doubled from last year…mine about $14.00 now a month, still cheap but mostly pay with GoodRX --- ## [Class Action Lawsuit agin United HealthAdvantage Plans](https://discussion.fool.com/t/class-action-lawsuit-agin-united-healthadvantage-plans/98461)
**Author:** [@tjscott0](https://discussion.fool.com/u/tjscott0)\ **Replies:** 0\ **Last updated:** [November 15, 2023, 9:42pm UTC](https://discussion.fool.com/t/class-action-lawsuit-agin-united-healthadvantage-plans/98461 "2023-11-15T21:42:06Z")
--- ## [74 years at one job](https://discussion.fool.com/t/74-years-at-one-job/98103)
**Author:** [@HohumYNWA](https://discussion.fool.com/u/HohumYNWA)\ **Replies:** 0\ **Last updated:** [November 7, 2023, 4:16am UTC](https://discussion.fool.com/t/74-years-at-one-job/98103 "2023-11-07T04:16:57Z")
Nice feel-good story A nice career for Melba Mebane [Previous page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=2) [Next page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=4)