Search found 122 matches

by drummerboy
Mon Jun 24, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12748

Re: How did you lower your annual expenses?

First of all, good for you for "tracking" your expenses. That is an eye-opener for everyone. If you don't raise your awareness of it, the money will just flow out to everything. Most of it unnecessary. How did we lower ours? Create some form of constraint (real or forced). For example, we moved to a...
by drummerboy
Sun Jun 09, 2019 10:52 am
Forum: Personal Investments
Topic: Quicken or Mint?
Replies: 9
Views: 753

Re: Quicken or Mint?

I chose neither. Data aggregators concern me, and I no longer participate in any of them. It takes only a few minutes to do it myself periodically. I agree. I use YNAB only with my checking and credit card accounts. Income and Spending. For tracking my investments, I use a simple spreadsheet that d...
by drummerboy
Sun Jun 09, 2019 9:38 am
Forum: Personal Investments
Topic: Quicken or Mint?
Replies: 9
Views: 753

Re: Quicken or Mint?

Give up on both Quicken and Mint.

Use YNAB instead. Great mobile app. Easy syncing. True "Envelope" Budgeting.
by drummerboy
Wed Jun 05, 2019 4:36 am
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10018

Re: Walking Cities, potential for retirees

Midtown Atlanta is very walkable. https://www.walkscore.com/GA/Atlanta/Midtown Stores, parks, transit, groceries, universities. Everything in that area. Very diverse population (ages, background) But, it is not a “retiree” area, just a growing population of people that have decided that city living ...
by drummerboy
Sun May 05, 2019 8:30 am
Forum: Personal Investments
Topic: FIRE Plan Review - Are we ontrack or still ignorant?
Replies: 16
Views: 2415

Re: FIRE Plan Review - Are we ontrack or still ignorant?

The easiest way to keep costs low is to avoid expensive housing/cars. Visited some friends the other day who live two miles away. They have an infant, similar to us. They bought a big house bc they think an infant needs a lot of space :confused . Anyways, their home price $650k, ours $95k (+50k ren...
by drummerboy
Sun May 05, 2019 8:28 am
Forum: Personal Investments
Topic: FIRE Plan Review - Are we ontrack or still ignorant?
Replies: 16
Views: 2415

Re: FIRE Plan Review - Are we ontrack or still ignorant?

Wow! Lots of questions. But you obviously have organized your thoughts around this... Questions: Can I quit stressing about this, and just let the plan work? Are their major issues I’m missing? You are 42/43 with a target of 55... You seem to be well on your way. The most encouraging thing is that y...
by drummerboy
Sat May 04, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2171

Re: Saving passwords on iCloud

Do you have 2 Factor Authentication setup with your iCloud account? If not, you want to set that up!! Personally, a tool like 1Password can be much better for managing passwords. You can use it to generate unique passwords for every site, use it for TOTP (Time Authenticator as a 2nd Factor). Everyth...
by drummerboy
Tue Apr 30, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9710

Re: WSJ--How Schwab Ate Wall Street

Not a fan of this bit: And Schwab says in regulatory disclosures it may require robo clients to keep up to 30% of the account in cash. Doing so, Schwab earns money from interest and lending the funds to others. Jon Stein, founder and CEO of robo-advising pioneer Betterment LLC, said these moves und...
by drummerboy
Tue Apr 30, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9710

Re: Schwab article in WSJ today

[moved this post and a reply into the existing topic - moderator prudent] I would be curious to here comments from Bogleheads that use Schwab. Do they push higher cost products on clients who are not financially savvy? Been a Schwab customer for 4 years. Moved from one of those "big full service" b...
by drummerboy
Tue Apr 23, 2019 4:50 pm
Forum: Personal Investments
Topic: TreasuryDirect - Don't let your survivor lose assets
Replies: 53
Views: 4829

Re: TreasuryDirect - Don't let your survivor lose assets

My biggest concern with TD right now is how DW will deal with it when I die. It would be nice to have everythign in her account when this happens. Right now I'm maxing purchasing i-bonds in both of our names up to the annual purchase limit. What do you think of the following: 1) Purchase annual lim...
by drummerboy
Sun Mar 24, 2019 1:42 pm
Forum: Personal Investments
Topic: Kitces/Pfau rising equity glide path for early retirees with NQDC
Replies: 15
Views: 1986

Re: Kitces/Pfau rising equity glide path for early retirees with NQDC

Age 45-50 - maximum EE bond purchase of $30K/year, to act as totally safe $60k annual, bridging from age 65-70 (social security FRA) I thought each SSN has a total limit of $10k a year for Series EE. You could potentially buy $10k a year of I-Bonds too (which have the advantage of an inflation adju...
by drummerboy
Sun Mar 10, 2019 1:46 pm
Forum: Personal Investments
Topic: Kiplinger 6 portfolio
Replies: 3
Views: 1024

Re: Kiplinger 6 portfolio

15.00% Vanguard Dividend Growth Inv (VDIGX) 15.00% Vanguard Equity-Income Inv (VEIPX) 45.00% Vanguard GNMA Inv (VFIIX) 10.00% Vanguard High-Yield Corporate Inv (VWEHX) 5.00% Vanguard Short-Term Investment-Grade Inv (VFSTX) 10.00% Vanguard Wellington Inv (VWELX) It looks pretty good to me and I'm th...
by drummerboy
Fri Mar 01, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I switch my daily banking business to Ally?
Replies: 51
Views: 3782

Re: Should I switch my daily banking business to Ally?

Ally is fine. Their savings account rate is competitive (for an online bank). Their checking is pretty good too (but only a .10% rate). They also support Zelle for fast 1-day transfers. Fidelity Cash Management (with FDIC coverage) is .37% . Better than the big banks (e.g. BofA, Wells, Chase). Of co...
by drummerboy
Wed Feb 27, 2019 8:01 pm
Forum: Personal Investments
Topic: David Swensen Bond ETFs
Replies: 7
Views: 556

Re: David Swensen Bond ETFs

Not sure about the TIPS portion, as there doesn't seem to be a 'total TIPS' fund/ETF. You might want to consider SCHP. Schwab's TIP ETF. Expense Ratio is .05% (Lower than the TIP ETF from iShares, and lower than VAIPX .10%). Vanguard should provide commission free for almost all ETFs. Average Effec...
by drummerboy
Wed Feb 06, 2019 9:09 pm
Forum: Personal Investments
Topic: Larger portfolio: taking back control from crappy 'management' & need advice
Replies: 22
Views: 1846

Re: Larger portfolio: taking back control from crappy 'management' & need advice

Instead, you should buy the "Purchased Money Market Funds", they all have competitive money market rates. They range in yield from 2.34% for Taxable to 1.2% for muni money markets. These aren't amazing, but not awful. Is there a boglehead standard/preferred fund in taxable and non-taxable? I want t...
by drummerboy
Wed Feb 06, 2019 12:05 pm
Forum: Personal Investments
Topic: Larger portfolio: taking back control from crappy 'management' & need advice
Replies: 22
Views: 1846

Re: Larger portfolio: taking back control from crappy 'management' & need advice

Taxable at Schwab (1.7m, 59% of total) CACTX, $80k, 4.64% (crappy heavy load bond fund) CAGLX, $890k, 50.87% (crappy heavy load global equities) VWIUX, $290k, 16.42% (Vanguard intermediate munis) VWSUX, $80k, 4.5% (Vanguard short-term munis) Money Market $410k, 21.5% (as we all know, this is how Sc...
by drummerboy
Wed Feb 06, 2019 11:42 am
Forum: Personal Investments
Topic: Larger portfolio: taking back control from crappy 'management' & need advice
Replies: 22
Views: 1846

Re: Larger portfolio: taking back control from crappy 'management' & need advice

First, tell Schwab that you want 250 Free ETF/Stock Trades and ALL Vanguard Mutual Fund purchases to be FREE of the $49 fee, forever. Find their best office manager or senior customer advisor in the office, explain your net worth to them, tell them these are REQUIREMENTS, or you walk to Vanguard. T...
by drummerboy
Tue Feb 05, 2019 8:46 pm
Forum: Personal Investments
Topic: Larger portfolio: taking back control from crappy 'management' & need advice
Replies: 22
Views: 1846

Re: Larger portfolio: taking back control from crappy 'management' & need advice

OK, so you have $2.7m+ overall in your relationship with Schwab? That's fantastic. Congratulations on your achievements. Agree, your fund mix is a bit of a mess. Schwab as your brokerage isn't the problem, the funds are. I'd stay with Schwab. They've got a lot of perks (Great Checking Account, Great...
by drummerboy
Sat Jan 12, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 3076

Re: Schwab SWSXX going away

Does Schwab let you trade directly from a "purchased" money market fund, as fidelity does? Or do you have to move funds to the FDIC sweep to cover trades. Schwab will require you to "sell" the purchased money market fund to raise the cash. Fortunately, you can still request a trade, put in the sell...
by drummerboy
Sun Dec 30, 2018 10:25 am
Forum: Personal Investments
Topic: Will Bond Fund's NAV rebound if I wait long enough?
Replies: 25
Views: 2094

Re: Will Bond Fund's NAV rebound if I wait long enough?

You reminded me of a great article by Jason Zweig:
http://jasonzweig.com/five-myths-of-bond-investing/

Read Myth No 5.
by drummerboy
Sun Dec 30, 2018 10:22 am
Forum: Personal Investments
Topic: comparing portfolio to 'average'
Replies: 11
Views: 546

Re: comparing portfolio to 'average'

Most benchmark sites won't have final 2018 numbers yet. (December is NOT over :D ) I created a simple 3-fund (65/35) in Portfolio Visualizer. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2018&firstMonth=1&endYear=2018&lastMonth=12&calendarAligned=true&endDate=12%...
by drummerboy
Thu Dec 13, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Podcast: Rick Ferri – What Does the Future of Financial Advice Look Like?
Replies: 4
Views: 912

Re: Podcast: Rick Ferri – What Does the Future of Financial Advice Look Like?

That was a great podcast Rick.

I especially liked the sections where you discussed the 4 stages of Index investing.

Something along the lines of "depressed at old methods.... a-ha moment, then too much complexity of index funds, finally simplicity and fewer funds"

Great interview.
by drummerboy
Thu Dec 13, 2018 12:37 pm
Forum: Personal Investments
Topic: Portfolio for a military lifer, too conservative?!?
Replies: 27
Views: 2711

Re: Portfolio Review!!! Thanks.

I agree that the AW Portfolio was designed in hindsight and looks great when backtested. It certainly doesn't mean that it will have similar results in the next 30 years. I am confused a bit though as you mention volatile asset classes: gold and long-term Treasuries. I didn't think those were volat...
by drummerboy
Tue Dec 11, 2018 8:09 pm
Forum: Personal Investments
Topic: Portfolio for a military lifer, too conservative?!?
Replies: 27
Views: 2711

Re: Portfolio Review!!! Thanks.

BrandonP311, you ask a lot of good questions. It is natural for everyone to want all the answers and to seek out the "perfect" portfolio. Unfortunately, no one can predict the future, no one knows when / if / how long the next downturn will be. The more important question is your financial needs and...
by drummerboy
Tue Dec 11, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Ultimate Rewards Points Questions
Replies: 20
Views: 2622

Re: Chase Ultimate Rewards Points Questions

A timely question of mine: I have a chase freedom (no yearly fee) with 15K UR points and a chase sapphire preferred(first yearly fee in Jan) with 66K UR points. If i dont want to pay yearly fee on sapphire, can i move the 66K to 15K account? Yes, you could move from the Sapphire to the Freedom. But...
by drummerboy
Sun Dec 09, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 7969

Re: are pre-fabricated homes a bad investment?

The only exception to a typical low-grade manufactured home..... BluHomes out in California. These are "pre-fabricated" in a factory. Steel beams, high quality materials, then permanently built on a foundation. These homes are NOT cheap. https://www.bluhomes.com/homes-landing/breezehouse I guess it ...
by drummerboy
Thu Dec 06, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 4002

Re: Best neighborhoods in Atlanta

I have plenty of friends who live in these neighborhoods and the walkable lifestyle you claim you had simply isn’t common. At all. I am very familiar with these parts of town. If anything, the weather isn’t favorable to walking and biking and it’s NOT a bike friendly city. People in these neighborh...
by drummerboy
Sun Nov 25, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Pairing Quicken with YNAB
Replies: 1
Views: 271

Re: Pairing Quicken with YNAB

I used to use Quicken.... Then I realized YNAB does the important stuff. I use YNAB same reason as you.... The budgeting is so superior. It connects to my credit cards / checking so I keep track of everything. What is Quicken good at? Reporting? Investments? What I do: Export the entire YNAB budget ...
by drummerboy
Sun Nov 04, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3414

Re: Is Cloud-Based YNAB Worth It?

YNAB is worth every penny. The iPhone app is so easy to use. It does a fantastic job memorizing and keeping my budget on track.

Compared to some of the “free” solutions ( Mint, Personal Capital).... YNAB is so much better. You get what you pay for!
by drummerboy
Sun Oct 28, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 5131

Re: What Memberships/Subscriptions Are Most Valuable To You?

Required: Internet Access: AT&T Fiber Cellular Service: Verizon 1Password Password Manager for Family iCloud (backup of photos and phones) YNAB (You Need a Budget, FANTASTIC software) Valuable: Amazon Prime (shipping, discounts) Netflix Dropbox (shared storage always available) Backblaze (offsite ba...
by drummerboy
Sat Oct 27, 2018 5:09 pm
Forum: Personal Investments
Topic: Help! Pick which stocks to sell off
Replies: 11
Views: 1063

Re: Help! Pick which stocks to sell off

I had a similar issue a few years ago, trying to move from individual stocks to a market index fund. My recommendation, take the emotion out of it. Yes, there are some good brand names in your list. But, that can't predict future results. I created a spreadsheet. Identified each stock by its industr...
by drummerboy
Tue Oct 23, 2018 7:08 pm
Forum: Personal Investments
Topic: Schwab Intelligent Portfolio is crashing...
Replies: 36
Views: 4244

Re: Schwab Intelligent Portfolio is crashing...

After much research, a lot on this board, I decided to leave EDJ and roll my money into Scwab, this was in April 2018. After speaking with one of their reps, I decided to go with the Intelligent Advisory, solution. They also setup a brokerage account for me with about 15% of my assets. I had a tota...
by drummerboy
Fri Oct 19, 2018 9:45 pm
Forum: Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 59
Views: 27794

Re: Best options for cash in Schwab brokerage accounts?

Is Schwab's site confusing? I guess it is all about what you are used to. I've used Schwab, Vanguard and Fidelity. I think all 3 could use some improvement in terms of usability. The key to learning about investments on Schwab's site: Click the "Research" tab at the top, then choose what you are cur...
by drummerboy
Sat Oct 13, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721772

Re: What's Your Credit Card Rewards Strategy?

What do the Schwab Amex Gold and Platinum offer that "regular" Amex Gold and Platinum do not offer? Especially the Plat, as that is what we currently have. Do the Authorized User fee/benefits differ? RM Actually, I'd recommend the "normal" Amex Gold (the points back was revised recently) paired wit...
by drummerboy
Sat Oct 13, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721772

Re: What's Your Credit Card Rewards Strategy?

In the Combo Amex Gold/Schwab Platinum, the Net Annual Fee is: $130 (Schwab credits $100 a yr if assets over $250k, $200 a year if assets over $1m). Basically, for me the Gold card is $30 a year, the Platinum is $100. (and that INCLUDES a $175 fee for the additional card members). I'm not following...
by drummerboy
Sat Oct 13, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721772

Re: What's Your Credit Card Rewards Strategy?

I'm currently a Chase Sapphire Reserve / Chase Freedom Unlimited User. It's been great. But, I think Amex has changed the game. (Especially if you are a Schwab customer). In the Combo CSR/CFU world, the annual fee is Net: $200 (after the $300 travel credit + $25yr for Global Entry) + ($75 a year for...
by drummerboy
Tue Oct 02, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 4002

Re: Best neighborhoods in Atlanta

If you want walkable neighborhoods, definitely stay "ITP" (Inside the Perimeter). Brookhaven and Decatur are two towns with decent school districts. If you truly want walkable, you might want to look at Virginia Highlands. Anything along the eastside of the Beltline trail (Midtown, Inman Park, Virgi...
by drummerboy
Tue Jul 10, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 9966

Re: "Bonds are for Safety" ?

Bogleheads: There are many different kinds of bonds. Some risky. Some safe. YEAR--INFLATION--BOND INDEX 1976-------4.9%--------15.6% 1977-------6.7-----------3.0 1978-------9.0-----------1.4 1979------13.3-----------1.9 1980------12.5-----------2.7 1981-------8.9-----------6.3 1982-------3.8-------...
by drummerboy
Wed Jun 06, 2018 1:02 pm
Forum: Personal Investments
Topic: Basic 30-year TIPS vs 30-Year Treasury Bond Question
Replies: 9
Views: 813

Re: Basic 30-year TIPS vs 30-Year Treasury Bond Question

What Shilling really does is (gulp!) buy 30-yr strips which is (making up ballpark numbers here for illustration) something like 75-100% cap gain *assuming* interest rate goes down to 2%. I'm assuming an easy way to implement this would be to own: EDV or ZROZ. Perhaps a fixed income portfolio of: M...
by drummerboy
Wed Jun 06, 2018 1:00 pm
Forum: Personal Investments
Topic: Basic 30-year TIPS vs 30-Year Treasury Bond Question
Replies: 9
Views: 813

Re: Basic 30-year TIPS vs 30-Year Treasury Bond Question

I have actually owned 20-year TIPS--nope, didn't wait for maturity, exchanged them all for a TIPS fund in the interest of simplification--and we have a meaningful allocation to series I savings bonds. I would personally not dream of buying a 30-year nominal Treasury. I buy bonds to minimize risk, a...
by drummerboy
Wed Jun 06, 2018 8:18 am
Forum: Personal Investments
Topic: Basic 30-year TIPS vs 30-Year Treasury Bond Question
Replies: 9
Views: 813

Basic 30-year TIPS vs 30-Year Treasury Bond Question

Everytime I think I understand TIPS vs Treasuries, I confuse myself. Just to confirm: Based on the latest Auction results at Treasury Direct. If I were to purchase a 30-year TIPS at that Auction, I would have received a TIPS bond that would mature in 30-years and the Interest Rate would be 1.0%. In ...
by drummerboy
Tue May 01, 2018 8:18 am
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11222

Re: Series I Bonds in April/May 2018

Are the new I-Bonds rates announced today (May 1st)?

I'm assuming that it will be greater than the last 6 month period. I also noticed their site will be down for maintenance tomorrow morning (the 2nd).

When do they announce new rates?
by drummerboy
Wed Apr 04, 2018 7:28 pm
Forum: Personal Investments
Topic: Who uses Schwab and what are the up and downsides?
Replies: 41
Views: 4663

Re: Who uses Schwab and what are the up and downsides?

Feel confident with Schwab. With that size a portfolio, use a few negotiating skills..... Make sure Schwab provides you with a bunch of free trades (which might be necessary as you rebalance this new portfolio) If you want to use Vanguard Mutual Funds (not just Vanguard ETFs), you should discuss wit...
by drummerboy
Wed Mar 28, 2018 5:44 pm
Forum: US Chapters
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 26294

Re: A lot of heavy hitters this morning

Instead of comparing our wealth.... The beauty of the Bogleheads philosophy is that it is applicable to people at all levels of Net Worth. $3k, $30k, $300k, $30 million.... Doesn't matter. Simplicity of investments. Low fees. Live below your means. Save as much as you can. Don't time the market. Tim...
by drummerboy
Wed Mar 14, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 52
Views: 13686

Re: Missing my Microsoft Money - any equivalents?

Two options on the Mac that have saved my faith in personal finance software: Banktivity 6 - Not that great for tracking investments, but I don't need software for that. I need software to help me itemize expenses, save it locally, and generate reports at tax time to make my filing more organized. T...
by drummerboy
Fri Mar 09, 2018 4:43 pm
Forum: Personal Investments
Topic: Schwab Intelligent Portfoilio to ETF
Replies: 6
Views: 533

Re: Schwab Intelligent Portfoilio to ETF

Plus you could take the funds Schwab suggests and eliminate the cash drag. Make sure you take the "cash" into consideration when considering the overall asset allocation and your risk profile. Yes, cash might be a "drag", but it also lowers volatility of the portfolio. Don't eliminate it and then m...
by drummerboy
Fri Mar 09, 2018 3:30 pm
Forum: Personal Investments
Topic: Schwab Intelligent Portfoilio to ETF
Replies: 6
Views: 533

Re: Schwab Intelligent Portfoilio to ETF

Here's a list of the ETF choices they use for the various asset classes. As you can see, it is a mix of ETFs from Schwab, Vanguard, Powershares, iShares and others. https://image.ibb.co/cxO8Nn/SIP_ETF_List.jpg Would it be "hard" to create this? Not really, just a lot of investments to keep track of....
by drummerboy
Fri Mar 09, 2018 3:15 pm
Forum: Personal Investments
Topic: Schwab Intelligent Portfoilio to ETF
Replies: 6
Views: 533

Re: Schwab Intelligent Portfoilio to ETF

You can slice and dice like crazy and build it yourself. I'm not sure you would see a ton of benefit.

The list of Schwab ETF choices is listed on the Tax Loss Harvesting page: https://intelligent.schwab.com/public/i ... ncing.html
by drummerboy
Fri Mar 09, 2018 3:01 pm
Forum: Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 23
Views: 3794

Re: Schwab Intelligent Advisory

The question to ask yourself: Do you have an investment plan you can stick with?

If you do great. Build your investment statement. Stick with it.

If you have no self discipline, then consider something like SIA or SIP.
by drummerboy
Thu Mar 01, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Medigap, MA - Budget for Retirement
Replies: 12
Views: 1288

Medicare, Medigap, MA - Budget for Retirement

I'm still 13 years away from Medicare.... But I'm realizing I'm quite lacking in my knowledge of the premiums, coverages, etc. What should I be budgeting for healthcare coverage during retirement? I'll most likely be paying for: Medicare (deducted from Social Security) - $150 a month for a married c...