Bogleheads.org

You say you think you have enough based on a 4% rule, but that's just an approximation. A big reason for One-More-Year-itis is that you don't feel confident in your plan. Spend some time looking at your financial situation in detail. Figure out your current spending, how that spending will change wh...

Choose devices from manufacturers that are in it for the long haul. Before retiring, a part of my job was IoT standards, there are/were a lot of them, many that have failed. The megaco I worked for bought a few and shut them down a few years later. Co-workers that got laid off as part of those shutd...

I've seen the deferred annuity option posted in this thread, but I haven't seen QLACs talked about. Kitces wasn't keen on them https://www.kitces.com/blog/why-a-qlac-in-an-ira-is-a-terrible-way-to-defer-the-required-minimum-distribution-rmd-obligation/ for deferring RMDs, but if you choose to do one...

The SIM card only has cellular provisioning information on it these days. Pretty much all other data such as photos or mail are stored on the built-in storage on the iPhone. You'll want to erase the phone before disposing of it.

https://support.apple.com/en-us/HT201274

I will second the recommendation that you do ground school before flying. My wife and I did ground school through a community education class 20+ years ago for $40 per person. The instructor played a lesson on VHS tape, then we worked through all the problems in the workbook, which were really pract...

This is a tough situation to be in. My MIL had milder dementia but greatly struggled with technology, so we elected to not use very much. One other thing to consider using is Mobile Device Management, MDM software. This is something a school or an enterprise would use to manage their devices. It wou...

Let me give an example. Share price at purchase: $100 Discount: 15% Share price at sale/donation: $500 I paid $85 with after tax money and the rest $15 was on the company. The $15 was not reported at the time. When I sell the share as a qualified disposition, the basis is $85, LTG is $400, and $15 ...

See the details of the PIA calculation at https://ssa.tools You can enter the earnings and see the details of the calculation for each person, one at at time.

Schwab also allows you to do a traditional IRA to Roth conversion online.

Surprised I haven't seen this comment yet. Check if the coils in the compressor outside are clean, or are they partially blocked with dust, lint, spiderwebs, etc.

Cleaning the coils if they are very dirty can reduce your electricity costs.

For the financial analysis portion of your question, I'd suggest you read through the Early Retirement Now case study series at https://earlyretirementnow.com/2018/01/17/ten-lessons-from-ten-safe-withdrawal-rate-case-studies/ . He publishes the google docs spreadsheet for each case study, the later ...

I did my training nearly 20 years ago, but still fly regularly, so the training info may be out of date. There are a number of ground school options in addition to the Jepesen courses. I took ground school through the local community education program with about eight others. A CFII taught the cours...

If I understand your question correctly, you are only looking at receiving a spousal benefit (your spouse is alive), not your own benefit. You should be looking at the GPO rules, not the WEP rules. The good news is GPO is less complex than WEP.

https://www.ssa.gov/planners/retire/gpo-calc.html

Please consider implementing social security eligibility credits in this spreadsheet. http://socialsecurity.tools recently implemented credits, and it changed the outcome for the second demo case (and likely other users as well). Turns out that with only five years of earnings, that worker wasn't ac...

If you have a high deductible health insurance plan, HSA contributions reduce taxable AGI. HSAs can be used to pay health costs in retirement, so can be used to fund health care expenses in retirement. Single HSA 2018 contribution limit is $3450, family is $6900. You can contribute $1000 more if you...