# Retirement **URL:** https://discussion.fool.com/c/retirement/13.md [Latest](https://discussion.fool.com/latest.md) · [Categories](https://discussion.fool.com/categories.md) · [Tags](https://discussion.fool.com/tags.md) --- ## [About the Retirement category](https://discussion.fool.com/t/about-the-retirement-category/24)
**Author:** [@TMF1138](https://discussion.fool.com/u/TMF1138)\ **Replies:** 0
--- ## [Question about TQQQ](https://discussion.fool.com/t/question-about-tqqq/126299)
**Author:** [@esxokm](https://discussion.fool.com/u/esxokm)\ **Replies:** 3\ **Last updated:** [September 9, 2026, 3:37pm UTC](https://discussion.fool.com/t/question-about-tqqq/126299 "2026-09-09T15:37:09Z")
Given that we all have confidence in the long-term potential of QQQ, should, in addition to holding that, we also hold TQQQ? It seems as if the answer would be yes, even with the risk of price decay. And at the very leas… --- ## [Corruption is a big problem that permeates every government institution currently](https://discussion.fool.com/t/corruption-is-a-big-problem-that-permeates-every-government-institution-currently/125143)
**Author:** [@jaagu](https://discussion.fool.com/u/jaagu)\ **Replies:** 3\ **Last updated:** [July 7, 2026, 4:55pm UTC](https://discussion.fool.com/t/corruption-is-a-big-problem-that-permeates-every-government-institution-currently/125143 "2026-07-07T16:55:24Z")
A new Brennan Center survey finds that large majorities of Republicans, Democrats, and independents share deep-seated concerns about government corruption, which most voters define broadly and blame for many of the count… --- ## [Picking a pension survivorship benefit](https://discussion.fool.com/t/picking-a-pension-survivorship-benefit/125156)
**Author:** [@pandrea](https://discussion.fool.com/u/pandrea)\ **Replies:** 12\ **Last updated:** [June 15, 2026, 6:25pm UTC](https://discussion.fool.com/t/picking-a-pension-survivorship-benefit/125156 "2026-06-15T18:25:36Z")
Any advice on picking a level of survivorship benefits for a small pension? What’s the best way to analyze the options? Is there a point at which it might be advantageous to “self-insure”? There’s only four options: 0… --- ## [Pete Hegseth’s D-day speech in Normandy on immigration condemned around the world](https://discussion.fool.com/t/pete-hegseth-s-d-day-speech-in-normandy-on-immigration-condemned-around-the-world/125076)
**Author:** [@jaagu](https://discussion.fool.com/u/jaagu)\ **Replies:** 1\ **Last updated:** [June 8, 2026, 10:55am UTC](https://discussion.fool.com/t/pete-hegseth-s-d-day-speech-in-normandy-on-immigration-condemned-around-the-world/125076 "2026-06-08T10:55:23Z")
Historians and campaigners accuse US defence secretary of desecrating memory of soldiers who fell in Normandy! The US defence secretary, Pete Hegseth, has been accused by historians and rights campaigners of “grotesqu… --- ## [Paying for major expenses in retirement](https://discussion.fool.com/t/paying-for-major-expenses-in-retirement/124457)
**Author:** [@LakeEffect](https://discussion.fool.com/u/LakeEffect)\ **Replies:** 6\ **Last updated:** [May 1, 2026, 4:43am UTC](https://discussion.fool.com/t/paying-for-major-expenses-in-retirement/124457 "2026-05-01T04:43:58Z")
This year, I’m looking at some major expenses - new (used) car, a new roof, porch repair, to name a few - and I’m mulling over how best to pay for it all. A little over two years into retirement, I can pay cash for it al… --- ## [Retirement blues](https://discussion.fool.com/t/retirement-blues/124398)
**Author:** [@Kingran](https://discussion.fool.com/u/Kingran)\ **Replies:** 31\ **Last updated:** [April 30, 2026, 1:30pm UTC](https://discussion.fool.com/t/retirement-blues/124398 "2026-04-30T13:30:34Z")
Today Morgan Housel posted below about retirement. I know there are few folks who have retired for awhile, some recently, some contemplating… So… let us discuss how to spend time in retirement :slight\_smile: PS: I … --- ## [Question for the Retirement Community](https://discussion.fool.com/t/question-for-the-retirement-community/124113)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 8\ **Last updated:** [April 6, 2026, 2:22pm UTC](https://discussion.fool.com/t/question-for-the-retirement-community/124113 "2026-04-06T14:22:15Z")
Does it feel like the sand in your hourglass is going down quicker as you get older? As a near 50 ( 2+ more years to go), time feels like it is flying by fast…. Need to retire quickly….Time and good health are at a pre… --- ## [Most real life retirees don't take 4%](https://discussion.fool.com/t/most-real-life-retirees-dont-take-4/123661)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 3\ **Last updated:** [April 6, 2026, 2:03am UTC](https://discussion.fool.com/t/most-real-life-retirees-dont-take-4/123661 "2026-04-06T02:03:58Z")
… it’s more like 2% at age 65. It’s been more than 30 years since I’ve taken a withdrawal anywhere near 4% of assets. Now that I’m taking SS and two small pensions, I may never make a retirement portfolio withdrawal aga… --- ## [Time to get defensive with the portfolio?](https://discussion.fool.com/t/time-to-get-defensive-with-the-portfolio/123660)
**Author:** [@LakeEffect](https://discussion.fool.com/u/LakeEffect)\ **Replies:** 5\ **Last updated:** [March 7, 2026, 4:44pm UTC](https://discussion.fool.com/t/time-to-get-defensive-with-the-portfolio/123660 "2026-03-07T16:44:34Z")
Although I’ve taken an income and capital preservation approach to my investments in the last few years, my portfolio has taken a few body blows this week. Is it time to take a defensive posture while the current storm s… --- ## [If You Had Another $1 Million or Two?](https://discussion.fool.com/t/if-you-had-another-1-million-or-two/123107)
**Author:** [@Arindam](https://discussion.fool.com/u/Arindam)\ **Replies:** 25\ **Last updated:** [February 13, 2026, 10:58pm UTC](https://discussion.fool.com/t/if-you-had-another-1-million-or-two/123107 "2026-02-13T22:58:55Z")
If you had another $1 million or two beyond the $1 million or two you already have, would your life, happiness, or financial security be greater than it already is today? At what point does ‘marginal utility’ kick in, ma… --- ## [One last Push.......going down swinging](https://discussion.fool.com/t/one-last-push-going-down-swinging/115194)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 19\ **Last updated:** [January 27, 2026, 9:16pm UTC](https://discussion.fool.com/t/one-last-push-going-down-swinging/115194 "2026-01-27T21:16:50Z")
Wish me luck. I am throwing as much as I can in the next three years into the Stock Market… I am 47 and am determined to get as much money invested in the market. All of it will be invested in individual stocks. The … --- ## [Deciding whether to Defer Medicare at 65](https://discussion.fool.com/t/deciding-whether-to-defer-medicare-at-65/123089)
**Author:** [@pandrea](https://discussion.fool.com/u/pandrea)\ **Replies:** 3\ **Last updated:** [January 27, 2026, 6:18pm UTC](https://discussion.fool.com/t/deciding-whether-to-defer-medicare-at-65/123089 "2026-01-27T18:18:46Z")
Medicare - to defer or enroll? Greetings Fools! I will be turning 65 in March and have been trying to educate myself on options. I’ve read a couple books (the best was Neil Brown’s “Medicare Entry Guide”) which have be… --- ## [Revising My Investing Goals](https://discussion.fool.com/t/revising-my-investing-goals/123086)
**Author:** [@Arindam](https://discussion.fool.com/u/Arindam)\ **Replies:** 1\ **Last updated:** [January 26, 2026, 8:55pm UTC](https://discussion.fool.com/t/revising-my-investing-goals/123086 "2026-01-26T20:55:58Z")
What does a typical pre-retiree have? Plenty of time and not much money. What does a typical retiree, especially a late-stage retiree, have? Plenty of money, but a diminishing amount of time for the projects he/she would… --- ## [Is there a Medicare-specific category?](https://discussion.fool.com/t/is-there-a-medicare-specific-category/122804)
**Author:** [@pandrea](https://discussion.fool.com/u/pandrea)\ **Replies:** 7\ **Last updated:** [January 9, 2026, 5:37pm UTC](https://discussion.fool.com/t/is-there-a-medicare-specific-category/122804 "2026-01-09T17:37:18Z")
Is there a place on the Fool for those of us approaching 65 to discuss Medicare requirements/choices/plans? I’m an old-school Fool and this new place is so much harder to navigate and is so much more sparsely populated. … --- ## [This Past Year's Investing in Review](https://discussion.fool.com/t/this-past-years-investing-in-review/122740)
**Author:** [@Arindam](https://discussion.fool.com/u/Arindam)\ **Replies:** 0\ **Last updated:** [January 1, 2026, 12:11am UTC](https://discussion.fool.com/t/this-past-years-investing-in-review/122740 "2026-01-01T00:11:25Z")
“Never confuse brains with a bull market.” This past year wasn’t a true bull market, merely another year in which asset prices rose again due to the Fed’s willingness to abet the bubbles with endless, nearly free money… --- ## [What non-optimal financial decisions have you made in your life?](https://discussion.fool.com/t/what-non-optimal-financial-decisions-have-you-made-in-your-life/122439)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 18\ **Last updated:** [December 13, 2025, 11:16pm UTC](https://discussion.fool.com/t/what-non-optimal-financial-decisions-have-you-made-in-your-life/122439 "2025-12-13T23:16:22Z")
Have you done the following: Paid off your home early, even if your rate was 3% or lower took your SS at 62 took your pension early instead of deferring bought an annuity other…..please explain and let me learn from yo… --- ## [Roth IRA.....where money goes to die](https://discussion.fool.com/t/roth-ira-where-money-goes-to-die/122124)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 12\ **Last updated:** [November 16, 2025, 4:52pm UTC](https://discussion.fool.com/t/roth-ira-where-money-goes-to-die/122124 "2025-11-16T16:52:13Z")
I have Roth conversion aversion. Psychologically, I know I probably won’t touch any of the money in it. So why convert it? I will have a pension, brokerage account, pre-tax 457, and social security to draw from. When… --- ## [Talk me off the ledge.....or convince me to jump](https://discussion.fool.com/t/talk-me-off-the-ledge-or-convince-me-to-jump/122059)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 7\ **Last updated:** [November 10, 2025, 5:17pm UTC](https://discussion.fool.com/t/talk-me-off-the-ledge-or-convince-me-to-jump/122059 "2025-11-10T17:17:17Z")
Hello, I am 47 and am thinking of leaving the workforce in 3-5 years. I owe 300k on a primary mortgage with a rate of 2.25%. I have the funds to pay it off. Money is currently sitting in a high yield savings account … --- ## [How do I set up a 5 year bond ladder?](https://discussion.fool.com/t/how-do-i-set-up-a-5-year-bond-ladder/112671)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 20\ **Last updated:** [August 21, 2025, 7:44pm UTC](https://discussion.fool.com/t/how-do-i-set-up-a-5-year-bond-ladder/112671 "2025-08-21T19:44:57Z")
Hello Fools, I think I am entering a world I am not familiar with. I have been 100% invested in stocks for the past 20 years…I am thinking of slowing things down and building my “cash” or "bond position. Let’s say tha… --- ## [A new investment vehicle for Retirement?](https://discussion.fool.com/t/a-new-investment-vehicle-for-retirement/120659)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 7\ **Last updated:** [August 14, 2025, 11:14pm UTC](https://discussion.fool.com/t/a-new-investment-vehicle-for-retirement/120659 "2025-08-14T23:14:45Z")
The latest “hot” investing idea that I see all over now are Covered Call ETF’s…. Anybody have any experience with them? SPYI, JEPI, QQQI I took a quick peak and it looks too good to be true…..Dividends paying around 1… --- ## [Should I move to safer ground?](https://discussion.fool.com/t/should-i-move-to-safer-ground/120236)
**Author:** [@beaverplt](https://discussion.fool.com/u/beaverplt)\ **Replies:** 12\ **Last updated:** [July 29, 2025, 9:20pm UTC](https://discussion.fool.com/t/should-i-move-to-safer-ground/120236 "2025-07-29T21:20:55Z")
I retired two years ago. Up until now, I’ve continued my Fool Stock Advisor enrollment and buying recommendations. Everything in my IRAs is in stocks. Thinking that perhaps I should begin moving some money to safer asset… --- ## [Question about the 4% rule](https://discussion.fool.com/t/question-about-the-4-rule/118966)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 16\ **Last updated:** [July 20, 2025, 3:58am UTC](https://discussion.fool.com/t/question-about-the-4-rule/118966 "2025-07-20T03:58:26Z")
Let’s say I retire today and have 1,000,000 in my retirement account. The safe withdrawal rate is $40,000 the next year will be $40K + inflation, etc. what about the situation, if your portfolio went up 50% and you ar… --- ## [I'm 62, 8years from retirement, should I reduce how aggressive my 4.1K is set?](https://discussion.fool.com/t/im-62-8years-from-retirement-should-i-reduce-how-aggressive-my-4-1k-is-set/116175)
**Author:** [@indywood](https://discussion.fool.com/u/indywood)\ **Replies:** 9\ **Last updated:** [May 14, 2025, 3:25am UTC](https://discussion.fool.com/t/im-62-8years-from-retirement-should-i-reduce-how-aggressive-my-4-1k-is-set/116175 "2025-05-14T03:25:13Z")
It’s pretty much on autopilot, I know very little about investing. --- ## [The game is too fun to quit](https://discussion.fool.com/t/the-game-is-too-fun-to-quit/118216)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 4\ **Last updated:** [May 13, 2025, 3:15pm UTC](https://discussion.fool.com/t/the-game-is-too-fun-to-quit/118216 "2025-05-13T15:15:07Z")
I have been investing in individual stocks for the past 25 years. However, as I approach retirement, I am reluctant to move my funds into Index/Mutual Funds. I see investing in individual stocks as enjoyable, like a ho… --- ## [What insurance options did you use before Medi-care?](https://discussion.fool.com/t/what-insurance-options-did-you-use-before-medi-care/118134)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 8\ **Last updated:** [May 13, 2025, 7:21am UTC](https://discussion.fool.com/t/what-insurance-options-did-you-use-before-medi-care/118134 "2025-05-13T07:21:45Z")
Hypothetical… Let’s say I retire in three years at 50. Anybody have any experience using the Affordable Care Act exchange? I probably can live off my brokerage account/cash until 55, when I will get health insurance p… --- ## [My Dad: Living His Best Retirement Right Now](https://discussion.fool.com/t/my-dad-living-his-best-retirement-right-now/115841)
**Author:** [@XMFBigFrog](https://discussion.fool.com/u/XMFBigFrog)\ **Replies:** 2\ **Last updated:** [April 25, 2025, 3:56am UTC](https://discussion.fool.com/t/my-dad-living-his-best-retirement-right-now/115841 "2025-04-25T03:56:44Z")
My dad is a lifelong football fan. For years, he had season tickets to the Chicago Bears. After he moved from Chicago to Green Bay, he went so far as to figure out how to become the team physician for a certain Green Bay… --- ## [You reach your goal early....now what?](https://discussion.fool.com/t/you-reach-your-goal-early-now-what/113772)
**Author:** [@darrellquock](https://discussion.fool.com/u/darrellquock)\ **Replies:** 59\ **Last updated:** [April 22, 2025, 11:28am UTC](https://discussion.fool.com/t/you-reach-your-goal-early-now-what/113772 "2025-04-22T11:28:46Z")
Let’s save an investor has been diligently contributed to his/her Retirement Accounts, ROTH IRA and Brokerage accounts… He/She is in her mid 40’s, married and with let’s say $3,000,000 (nice round number) Using the 4% … --- ## [More Medicare questions](https://discussion.fool.com/t/more-medicare-questions/102476)
**Author:** [@LakeEffect](https://discussion.fool.com/u/LakeEffect)\ **Replies:** 5\ **Last updated:** [April 18, 2025, 8:15am UTC](https://discussion.fool.com/t/more-medicare-questions/102476 "2025-04-18T08:15:35Z")
As of this month, at age 66, I have retired from the workforce and surrendered my employer-sponsored health coverage. I enrolled in Medicare Part A last year (at age 65) and Part B this year to coincide with my current c… --- ## [I bonds into trust](https://discussion.fool.com/t/i-bonds-into-trust/78606)
**Author:** [@Tuni](https://discussion.fool.com/u/Tuni)\ **Replies:** 2\ **Last updated:** [October 19, 2022, 5:55pm UTC](https://discussion.fool.com/t/i-bonds-into-trust/78606 "2022-10-19T17:55:11Z")
Just set up i bond account Treasury Direct, can I move them into I bond trust account when I set one up later? [Next page](https://discussion.fool.com/c/retirement/13.md?page=1)