Real world returns pre and post retirement
Hey everyone, I’m trying to get a better sense of what actual real-world returns people have experienced both before and after retirement — beyond the theoretical models and backtests. If ...
Showing 50 results of 491
Hey everyone, I’m trying to get a better sense of what actual real-world returns people have experienced both before and after retirement — beyond the theoretical models and backtests. If ...
During my free financial review of my rollover IRA, I was feeling pretty good about how far it had come. Back when I retired from finance in April 2012, I had about $300,000 in my 401(k). After leavin...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast numb...
It’s not too early to start planning your spending for 2026 even though you haven’t yet determined your January 1, 2026 Funded Status. You or your spouse may be considering spending in 202...
Ever wonder how someone who's made a million dollars or more did it? Kiplinger's My First $1 Million series uncovers the answers....
My wife and I (both retired, not working jobs) are strongly considering San Diego CA as our final living destination. Austin TX is just getting too hot, and it will only get worse. 8 months of summer,...
Tuesday, October 28 - Monday, November 03, 2025 Most Commented score comments title & link 63 144 comments For those with partners, who retired first and why? 37 36 comments Related to a recent po...
I retired about 4 months ago. We downsized to a single story with plans for it to be our forever home about 6 years ago. One bonus was the really large backyard for our urban/suburban area. But I&rsqu...
? SHOW NOTES In this episode, Roger Whitney explores the art of retirement goal setting with his signature blend of practical advice and thoughtful reflection. He sits down with Cesar Aguirre, who sha...
Interesting Social Security Scenario - What’s your take on this? ? or ? A (breadwinner) parent divorced a real deadbeat parent after 14 years of marriage -and (2) kids. Neither ever remarried. T...
I retired at 42. That was four years ago. A reader from my (forever free) newsletter recently asked me: “What do your income streams look like?” It’s a fair question. Most people exp...
Transitioning from a lifetime of diligent saving to enjoying your wealth in retirement tends to be riddled with guilt, but it doesn't have to be that way....
We've heard this hundreds of time... 'I wish someone had warned me about this when I retired.' More often than not, they're referring to one of five key challenges that catch many retirees by surprise...
We asked a psychologist and a mediation expert for advice....
For those of you who are married which spouse retired first and what was the reason for this? How are the dynamics post-retirement? I will retire before my husband. I've always made less and as I stop...
My wife and I plan to retire at the end of 2028. While we both have good paying jobs now, for most of our adult lives, we've been barely making it - raising children and living paycheck to paycheck. O...
Earlier this week a member posted - Let’s examine both sides of the tracks . In order to provide all members of the community an opportunity to view the reply by the Moderator team, we copied it...
I’m 61 and “retired” 4 months ago. Arthritis is taking its toll and I wanted time before I’m not able to do more than hang out in front of a tv. My wife plans to work for 5 mor...
I’m 51 & planning to retire around 60, likely in Ontario; probably Ottawa or Toronto. The financial side’s mostly sorted (pensions, TFSAs, RRSPs, the whole spreadsheet thing). What I k...
A fellow FIRE blogger, MrNomadNumbers, came to visit us in Valencia recently and showed me some AI capabilities that blew my mind. Before he retired, he was a software developer, like us, so he knows ...
This isn’t a rant or complaint. Just sharing some of what I’m experiencing. I’m 60 and in between where I’ve taken a pension but still need to work. Semi retired. Almost all of...
I retired 18 months ago and feel like I’m starting to get into my groove. I’m getting into new patterns of activity, new volunteer work, and creating new social networks. I’m keeping...
We ask financial experts for advice....
Hello fellow retirees. I've been retired since June 2024 and have gotten into reading again after 30 yrs of a career that consumed all of my time and brain capacity. I'm now on a first name basis with...
As a condition of retirement, did you have any professional milestones or accomplishments that prompted you to retire, or that you wanted to do before you retired? I’m not talking about obvious ...
Imagine if you had the opportunity to sit down with the people who have retired successfully before you and learn from their hard-fought lessons. What were their biggest mistakes? And…...
Retiring usually means cutting out that daily commute which could make you less risky to insure. Does that mean your car insurance costs will drop? Here's what you need to know....
If so, what were the objections, and how did things turn out? I'm 65 and want to retire now. I have had good paying jobs for many years and we live frugally, so we have a good amount of money saved, b...
I retired from my position in January 2025. I continue to receive the odd request from persons/organizations related to my position former position, through my personal cell # that was attached to the...
Bit of a strange one — my wife and I both retired recently, and I didn’t expect this part to be the hard bit. We get on fine, but suddenly we’re in the same space all day, every day,...
Some people think that doing a locum constitutes “work," meaning you can't really consider yourself retired. Here's my pushback on that. The post Locums in Retirement Is Not ‘Working&rsquo...
We’re playing “which comes first” today on Your Money, Your Wealth® podcast number 551 with Joe Anderson, CFP® and Big Al Clopine, CPA. “Retired G-Man and Nurse Ratched...
As retirees, we can go wherever we want, whenever we want. I always knew I wanted to camp, but it took me a while to decide where to land on the spectrum: 0 - Hotel is a must (this is my wife) 1 - RV ...
I retired on March of 2023 after about 41 years of work at two aerospace companies (16+ at one and 25 at the second). For some strange reason, I have kept all my tech books from school and ones acquir...
I haven't put it on since and I do not miss it one bit. Maybe I'll eventually put it back on, but I feel like my activity level is up significantly since that day. My days have been filled with stuff ...
Sorry, I have read a lot on this but looking for assurance or something I think. Background 61, partner but we live separately. Golfer, runner, currently learning Spanish ( I moved to Mexico for a whi...
Just like the title says: Did anyone keep their certifications active after retirement? I retired about a year ago and one of my certifications is up for renewal. I have done a couple of small project...
I'm 52 (F), married, with no kids (by choice). I'm curious to hear about people in their 60s and 70s (and beyond) who live in a large city such as Chicago. I lived in/outside Chicago until I was in my...
So I just retired two days ago from health care. I’m not going to miss it at all. I have worked since I was 12 years old and always knew that work was in my future. Now that is gone How do I wra...
I (61F in a couple weeks) retired in March. My spouse retired 4 years ago. We live in an area with world class medical reasearch and a lot of universities. There are quite a number of local studies th...
I'm a 67 year old male. I retired in July, a couple months after turning 67, and I'm starting to have second thoughts about this whole retirement thing. My mother hasn't retired yet, but not due to an...
The American Association of Retired Persons names the 25 hottest actors over 50. Which stars age 50-plus made the cut?...
Planning on shopping for a new car this Labor Day weekend? Here’s how to haggle for a better price, even though you are retired....
people often seem to worry about, “what am i going to do when i retire”. for me, i’m never not busy. for example, today: up at 5am, ate, read the news (there isn’t any). baked ...
it’s concerning to see every thread here locked but i’ll ask anyway have any of your retired outside the us and if so which country and how difficult was it? i’m looking at costa ric...
Redefining retirement with purpose and adventure John and Bev retired at 55, sold almost everything, and traded their dream home for two backpacks, golf clubs, and a life of full-time travel. Since th...
I’m 64 and had planned to stop at 65 but was downsized in June. I have an opportunity to work for a small company close to home, just like company I worked for 20 years. However, after a week, I...
Thanks to Kitces.com and Justin Fitzpatrick for once again informing financial advisors and retired DIYers that there are better metrics and processes for managing spending in retirement than the prob...
2 months into retirement and I'm still completely satisfied with doing "nothing". Cleaning out the garage is sometimes a daily checkin. I'm spending alot of time outside and enjoying the summer weathe...
Hi, I have been retired for a year now. At first, I was excited about not having to dress up and go to work. I replaced a lot of my “office “ outfits with sweatpants, jeans and tees. I mis...