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Though this isn't special to retirement, retirement does tend to accentuate the difference because you're living as you'd like. It's also not unusual at all for spouses to be completely different in t...
You can hit your number, be fully financially ready, hand in your notice, and still end up miserable. Or worse, running out of money. In 15 years as a retirement advisor, I've watched it happen again ...
The Social Security decision for the higher earner in an age-gap marriage is tricky, as claiming age can determine a widowed spouse's income for years.
I turned 65 in April and was planning to retire at 67, but my mother passed in February and I inherited a fairly large estate, so I have moved my plans up. I had a decent size 401(k) and would’ve been...
I retired last spring at 62. My wife had already stepped back from her job the year before. We had saved, we had a plan, but the number that kept me awake was $1,280. That was the monthly quote for a ...
Psychologists describe it as an existential high, time is suspended, focus is clear, and endorphines exploding in your brain like fireworks. You don’t feel feel young or old. Spiritualist Eckhart Toll...
About 9 months ago I decided that July 1st would be MY independence day. Technically it is July 3rd, but that is a holiday and I managed one last PTO day on the 2nd! I've been planning for many years,...
Wife and I are retired and trying to decide on SS timing. I'm 61, she's 64. Using open social security, it shows that the best strategy is her now (probably passed the window already) and me at 70. Th...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Joe Anderson, CFP® and Big Al Clopine, CPA spitball for three people planning for early retirement and...
I am getting closer to retirement, (61 yo M)thinking of things to try out as I am happiest when active. So I was wondering what would be some activities you recently retired folks have taken up that t...
As I (71m) age, my routines get more eccentric. “It’s to be comfortable,” I tell myself, but really?” At 5:30 a.m. I kiss my sleeping wife and get out of bed without wretching my back. I think, “I am ...
It seems like retiring enables people to finally live the way we want without forces pushing us to center. For example, we have all day to decide our own activities instead of being corraled in by wor...
Many solid retirement plans fall apart during the solo years after one spouse passes away, because the plans do not account for key changes.
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, c...
Florida is the future retirement home. I’ve called Florida home for almost 50 years. I travel extensively for work and met BF six years ago. BF, future husband, lives in AZ. Plan is to sell both our r...
Wife and I (63) looking to downsize. 20 years in a two story, walk out, 4 bedroom, 3.5 bath that’s been an awesome home to raise two girls. Wife is retired and I’ll retire in next 2 years. Makes a lot...
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment 11 rapid-fire spitballs today from Joe Anderson, CFP®, and Big Al Clopine, CPA, on Your Money, Your Weal...
In our retirement advice column, Wealth Wise, our reader turns 65 a year before their spouse. Here is how to seamlessly bridge the age gap using veteran benefits.
I wanted to ask this community how retired couples handle chores. I was a stay at home mother. I cooked, cleaned, laundry, etc. My husband is retiring next year. I’m starting to get overwhelmed with k...
I am 63 and married for 30 years - husband is 67 and retired from corporate 2+ years ago. We are financially sound - our FA says we are in great shape with nothing to worry about and that I can retire...
Hello, I am recently retired. I am not collecting SS yet. I am living off of my wife's small income and a severance I received from work. I have a very healthy 401k balance a few small pensions so we ...
My wife (68) and I (71m) live a lifestyle that centers on tennis and fitness. Many of our friends walk, bike, swim, hike, and yoga. At times, we are slowed down due to arthritis, heart disease, lung d...
Your spouse and children could be bumped into higher tax brackets if you leave them a substantial sum in an IRA. Partial Roth conversions now can help.
My wife and I have been circling this for a couple of years (okay, 5!) and we finally started running countdown timers in our phones: she plans to stop at 59, and me at *ahem* exactly 60.8 (at this po...
I'm not retired yet - within the year though. I'm currently recovering from surgery and while my activities are limited, I definitely see the advantages of having much more free time. But it might be ...
Me, M/67, wife F/67 (her Bday is August, mine Sept). She is retiring as of next Friday. I retired June 1, 2024. So far, so good. I highly recommend retirement! The money is working. The stock market i...
When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a ...
My spouse retired earlier this year primarily due to health concerns. He’s taking his SS early at 64 and will be eligible for a small pension at the end of this year. I’m still working a job that does...
Back story: - 2015 Spouse retired at 65 and receives SS. - 2021 I retired at 64.6 and receive a monthly pension and SS. - Prior to retirement, we were able to save ~300K in cash. ~400K in 401. In 2014...
I recently saw this Reddit post about a man who retired early (FIRE) only to be called a “loser” by his wife ... Read more
I confess I lean toward Type A: like to stay busy, love new challenges, don’t shy away from leading, habitually organized, much more of an extrovert than my spouse. Fortunately, retirement was a relat...
Eight years ago, at 63, I retired to a life of tennis, dinners with friends, DIY projects, and travel. Four years in, angina struck—ten days in the hospital, angioplasty, then lung disease and a chron...
I've been lurking here for some time now. I'll be 68 in just a few months and for the past few years have gone on YouTube and some of the other retirement subreddits to figure out if my money would la...
I’m planning to leave full-time corporate employment on my 66th birthday next year. The time is right to redesign my life in a way that will allow more freedom of travel, no commute etc. I work in a c...
Back in 2014 I followed J. Money through his Budgets Are Sexy website. If I'm not mistaken he was the creator of the Lifetime Wealth Ratio (LWR): https://budgetsaresexy.com/total-lifetime-earnings-wea...
Have been talking with my (59) wife (54) about retiring at 60. She's been rightfully a bit apprehensive even after reviewing our accounts with 2 fiduciaries. Thursday evening I experienced chest press...
Tuesday, May 19 - Monday, May 25, 2026 Most Commented score comments title & link 583 558 comments Whoopsies - learnings from regrettable decisions in retirement 94 181 comments Any retirees who plan ...
My wife and I are both retired, both upper 60’s, and both have SSI accounts, but haven’t started taking them yet. I’m reasonably healthy, but she is too, and statistically, she’s likely to outlive me....
61, retired 8 months ago. It seems like everyone i know works including my wife so I do a lot by myself or with my little dog. Any suggestions on where to find other retirees to hang out with. Live in...
Need help with January 2028 retirement. Wife and I will both be 62 at time of retirement. My gut is to take the largest partial lump sum distribution (PLSD) and get money in my hands. That amount is $...
I have no affiliation with any health insurance companies and no particular ax to grind. I just want to share our experience because I see a lot of scary information out there about Medicare Advantage...
Noncitizens don't get the unlimited marital deduction. Learn how the QDOT bridges this gap to defer estate taxes and protect your family's legacy.
I find out spending way more partly because we have more time and focusing on stuff like fixing up house and garden and eating out more though since we are doing that focusing on healthy lower cal pla...
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if ...
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, ho...
Today on Your Money, Your Wealth® podcast 559 with Joe Anderson, CFP®, and Big Al Clopine, CPA, David wants to know if he and his wife (ages 47 and 53) are actually on track for retirement - without r...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Vir...
I've know that RMDs can create a bigger tax burden when they start. We have a traditional IRA. I (67) am already taking SS, my husband (69) will be taking it a year from now, and since we'd consider i...
Hi everyone! My Gen X husband (60M) and I (58F) are considering retirement in the next 12-18 months. We recently met with a fiduciary financial planner. He was a great guy, and we felt a good connecti...
Tuesday, May 12 - Monday, May 18, 2026 Most Commented score comments title & link 32 192 comments Sending out a goodbye email when it’s time to go… 44 55 comments Wife joining me in retirement in a mo...