Why the Five Years Before Retirement Are Critical
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- เผยแพร่เมื่อ 14 ต.ค. 2024
- If you are in the "RETIREMENT RED ZONE" - getting ready for retirement in THREE to FIVE YEARS, this is a must see video. It outlines they big things that are critical for you to get right during this important time leading up to retirement.
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Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
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Retirement isn’t an end goal, but a journey best secured by careful and consistent investments.
Retirement is the reward of disciplined investing over the long term, not just a destination.
My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Nicole Anastasia Plumlee can't divulge much... Most likely, the internet should have her basic info, you can research if you like.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.
Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.
Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.
@@ThomasChai05I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
*Izella Annette Anderson* is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determines a lot of things, my parents both spent same number of years in the medical profession, my mom was investing through a financial advisor while my dad through the 401k. On retirement, my mom retired with about $5million, while my dad retired with roughly $3.8million.
You are right. I’m in my mid 50’s now, my wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with profits over the years, but at least I’m earning more. I’m making money even before retiring and my retirement funds has grown way more than it would have been with the 401k.
It’s unfortunate most people don’t have such information, I don’t really blame people who panic cos lack of information can be a big hurdle. I’ve been making more than $25k passively by just investing through an advisor, and I don’t have to do much work. It doesn’t matter if the economy is crashing, great CFA will always make good returns.
Do you mind sharing info on the adviser who assisted you? I'm 40 now and would love to grow my stocks investment portfolio and plan my retirement..
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Annette Christine Conte for the last five years or so, and her returns have been pretty much amazing.
Thanks for the information!! She appears to be well-knowledgeable and accredited. I ran a Google search on her name and came across his website, thanks for sharing.
Munger and Buffett have both achieved an incredible feat with Berkshire. They've turned thousands to billions, and have made a lot of people wealthy in the process. I really saw the potential of the stock market by reading Berkshire's annual letters. I recently sold my $674k apartment in the Bel Air area and I'm hoping to throw it into the stock market. I just don't want to lose everything.
it's True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio this red season. I’ve made over $250k since then.
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
Finding financial advisors like Deborah Lynn Dilling who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
I like the casual look better! Makes it feel like I’m talking to a friend.
I was seriously thinking about retirement, having become fed up with my job and being of "that age." Turned out that the company helped my decision along by offering early retirement (to what I called "old-growth" employees). They had no idea I was already planning to leave, and fortunately, the offer came at the right time - though I did wait a bit to respond so they didn't think that I'd already decided months earlier!
Congrats. Hoping I get an offer in the next 12 to 24 months.
Great story- hope all goes well from here!!
I kept telling myself I'm retiring in 5 years. That went on for 40 years.
At the age of 59, I finally pulled the trigger 😊
Retired at 57. 6 years ago. Haven't looked back. Good luck on your retirement, and welcome to a great club
I just turned 41 and awfully late to investing with barely any portfolio except my 401k, I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement, my intention is to retire at 65 atleast, so how best do I maximize my savings of over $500k
True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I’ve made over $250k since then.
Mind if I ask you to recommend this particular coach you using their service?
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Crashes 1987, 1990, 2000, downturn 2008, pandemic 2020 now high food prices and skyrocketing rents, insurance, hoa. Anyone who can manage to retire deserves it!
Great video.
I retired after nearly 30 years on active duty in the Navy in 2021.
I am a physician and worked an additional year before I realized that the Navy had exhausted me.
I stopped working and slowly began volunteering and using the GI Bill to attain a certificate in writing from the University of Iowa in 2025.
A book will also be coming out in 2025.
Some of the proceeds will go to charity.
God bless.
Being a military retiree makes a huge difference in how one plans for retirement. I also retired from the military as did my husband (both enlisted). I am delighted you decided to redirect your plan and we will see the fruits of your labor. My husband retired at 50 and I am planning to work 2 years at 62.5. I continue to work as a clinical social worker and love having part time employment on my terms. No debt (even a house payment) gives us tremendous flexibility. We are struggling to decide where to put our 401k, 403b and TSP investments that remain a little too high risk for our age.
Great advice , be debt free in retirement, and as early as you can! It is life changing!
I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $800k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I definitely share your sentiment about these firms. Finding financial advisors like Marisa Breton Dollard who can assist you on things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
the stages of retirement are often overlooked, as people discount health span and focus just on lifespan. congrats on your strategy, well played!
i'm 61 now and looking at something similar.
2 years out. I maintain a parallel retirement budget to confirm I’m on track.
It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I completely agree; I am 60 years old, recently retired, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Jessica Lee Horst who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website… thank you for sharing.
Getting home maintenance projects done like the roof. Luckily we have Amish in our area that do great and reasonably priced work.
You are well respected by us and are such a great advisor and helpful to our lives and future. The casual look like your vacation clothes are classy looking and actually more in tune with todays business attire and perfectly acceptable all the time if you so chose. Thank you again for all that you do!
Casual looks good on you and is a nice change! Hope you are enjoying vacation! Lots of good points in this video. I retired 2.5 years ago and my husband retired a year after me. Haven’t used any retirement money yet. Though I am working PT as a school nurse now. It is actually my fun job as I love the kids and it keeps me young! Money from that income gets stashed for all our house/car insurances and property tax.
In the railroad industry, I was told to make my last five years my best years in terms of pay. Railroad Retirement determines the size of your pension payments based on your best 60 months (5 years). Thankfully, my last five (of 37) were indeed my best paying years with each year earning me more pay until I retired at age 60 at my full pension.
Love the casual look, great video, thanks so much
Invest in the financial markets before retiring by diversifying across assets, allocating a small portion of your portfolio, staying updated on market trends, and considering long-term holding to balance risk and growth
I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Sir Brian! Imagine I invested $50,000 and received $190,500 after 14 days
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
I advise, besides your advice, to start a savings account for dental expenses and one for medical. Even with good dental insurance, thousands can be spent on dental work. It can be a shock.
HSA will grow (to manage inflation) while providing that emergency coverage. I'm looking into it.
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $287k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I'm intrigued by your experience. Could you possibly recommend a trustworthy advisor you've consulted with?
'Sharon Ann Meny' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Thanks, i did a quick web search and i found Sharon, i hope she responds to my mail.
Thank you, I appreciate this as a Gen X. Retirement reality will be approaching faster than we can imagine.
My entire career I had banked on retiring at 65. Then life happened along the way in the form of two devastating layoffs. One of the best financial decisions of my life was working that extra five years after 65 to somewhat restore savings, but mainly to maximize Social Security. Those extra five years at peak salary replaced five years at low salary for the Social Security benefit formula. I highly recommend that people with low savings or no savings consider working until 70 and not drawing Social Security until 70.
great work! i did calculations based upon longevity in my family and delaying SS gave me double (+ more COLA buffer) the income.
i understand people with a less than optimal health span not delaying, but if you exercise and are fortunate with your health then delaying is really a no-brainer.
You dress better on vacation than I do at work, no explanation needed.
I'm in this 'red zone' and have three lists - Needs (retirement to cover food/shelter/insurance), Shoulds (things that are about to break around the house, getting a bit ahead of things), and Wants (refresh old electronics, cars, etc.) Ideally all lists should be empty when I start retiring. I'll have new wants eventually, sure, but starting with lists of things you still want your money to do for you can put you behind straight out of the gates.
Good video! I saved aggressively my last five years and paid my car off early. I double checked to make sure I knew what my pension and health insurance would be. In the year after retirement, I consolidated my investments (especially some older 403b accounts that had underperformed). I do have a will, but I want to update that in the next couple of years.
be sure there is DNR etc status and power of attorney in the will. medical can take everything.
Looking good the way you are !
Please have a video on IRRMA! Biggest surprise there is
What is that?
Love the new background, I get a beach house vibe, enjoy your vacation!
Love your videos. Just turned 60 so I am starting to focus more on these things.
Thanks for a great video and for those very helpful and practical tips. I would like to add that your personal income strategy needs to be clearly laid out and the sequence of accounts that you will be withdrawing funds from is important as there are tax efficiencies that can be realized there. I have been retired for 3 years and still haven't dialed that in yet, planning 5 years before would definitely have helped there. The other factor which is more psychological is getting used to the bottom right hand corner of your spreadsheet getting smaller each year. After decades of accumulation seeing that number shrink takes some getting used to.
good point. i was planning out another 9 years but had a sudden change in status and so i feel behind.
ideas such as minimizing taxes and how large of a dividend to withdraw (thinking 4.7%) to allow the 401 nest egg to work for you while offering some ride-out of economic trouble such as inflation and asset depreciation (which we saw in heavily in 2008 and a shorter blip in 2020).
plan B and plan C are vital
My plan: 3M portfolio; Retire at age 60 using the 4% rule, take SS (my wife is my same age) and small pension at 67. My employer will cover my health insurance until age 65 at the same rate I paid while working. I will roll over my 401k from work into Vanguard IRA's where my whole portfolio is managed by my advisor at an annual fee of 0.30%. Our living expenses are closer to 3% so as I withdraw the 4% I will have a cash reserve in checking and savings.
All this and every other video I've watched of yours are good, very informative, the only issue is we when we hit sixty something or other, its all a random game of life, the Reaper is right around the corner, its all a gamble and doing everything right like following smart people like you really mean nothing, but I appreciate your expertise and helpful thoughts in this area. But just like the situation your born in, so is death, nothing is guaranteed and doesn't matter how smart you are, its fate, gamble, luck, random, thats IT!
Our expenses are not going down. Mortgage is paid off yet property taxes are going up due to price of the house rising and homeowner's insurance in NJ went up to $3,500 from under $2,000. All other expenses are rising with inflation.
I’m at retirement age, but have very little saved towards retirement. The jobs that I had in the past were not great payers to save. My house is paid off. I’ve put a new roof on and installed new windows. New AC system was installed also. Some pretty big items taken care of. Planning on 2700-3000 a month from SS. I hope this will be enough. Thanks for your videos.
36k is going to be tight. one unexpected expense and you're in trouble. i would delay and max out your SS (not only monthly consideration but COLA is significant). good luck
Great timing of this video for me as I am entering this stage of life. Appreciate the videos you produce
Great video! I have shared this with a few other people already that are ready to retire soon.
My in-laws purchased long term care from Mutual of Omaha many years ago. My mother in-law is now in assisted living and can’t remember her house from just a short few months ago. MofO still won’t pay because she’s able to dress and feed herself. Yet she can’t drive, can’t live alone, won’t remember to eat on her own, won’t take her meds, etc. $10k a year for over 10 years my in-laws have paid in with no payout. Investing all that money probably would have been a better alternative.
Not sure how people stay working for 30 or 40 years in the same company! 3.5 years to go. Early retirement at 59 1/2.
I like the casual look better than the suit !
I hope to retire in 5 years. Thanks for the video there are a lot of things to think about.
I’ve worked hard to save about $800,000 for retirement, and now I’m ready to turn my savings into a paycheck. But how much can I afford to withdraw from savings and spend is what I don’t know. If I spend too much, I risk being left with a shortfall later in retirement. But if I spend too little, I may not enjoy the retirement I envisioned. What’s your advice on this please?
I'd highly recommend using the 4% rule, maybe you'd know just how much to spend after retirement
stay flexible - If the market performs poorly, you may not be comfortable increasing your spending at all. If the market does well, you may be more inclined to spend more on some ''nice to haves''
Personally, I used the 4% rule as a guideline, didn't follow it precisely. For greater level of confidence around portfolio longevity and ability to meet my goals, I use a well experienced advisor from Pennsylvania. In a nutshell, I'm semi-retired and only work 7.5 hours weekly since getting fully invested in the markets for 5 years now, amassing about $1.3m so far, after subsequent investments.
@@arlenehill4ril such an eye opener! never heard or used the 4% rule, I spend what I want and when I want, however i'm interested in supplementing my streams of income by investing, mind if i look up your advisor please?
Karen Lynne Chess is my FA. Just google the name and you’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I love my work! I am so bad at managing finances though.
Thank you so much for this insightful video
My mortgage interest is at 2.125%, and I have no interest in paying it off early before retiring.
At 65 I got this handled. Will do a lot of overtime and save every penny possible from 95-100.
2:33 in 2024 the max you can contribute to a traditional IRA is $7000 with an addtional $1000 for catch-up contributions bringing the max to $8000
Also - have an HSA and contribute to the max (plus the catch up) to it every year. It's like a medical 401k.
I got laid off of a big job at 60 like a lot of people. I am spending my last five years trying to stay employed in my 60s and making half as much. I have 1.4 million saved, but cannot contribute to my retirement for the next 5 years.
You should be fine, as long as your expenses are reasonable.
@ 4.7% that gives you 65K annually and you'll likely not see your 1.4m exhausted, aside from the periods of economic asset crashing and inflation concerns.
if you can live on 65K then delaying your SS is the ideal strategy, I think
Great advice, thanks!
I love the background. Bright and cheery. I suddenly retired in December. I wanted to do a Roth conversion. Is it frugal to do so now that I have left the workforce?
Should catchup contributions be a focus or building of some cash and Roth conversions be a focus. I would think a lot of people still have traditional IRA/401K and may run into tax issues when social security starts and be hit hard on taxes when RMAs kick in. Also, agree with other viewer to perhaps let the mortgage ride if it’s fixed at
Enjoy your vacation! 😊
I'm getting ready to collect social security. My full retirement age is in December this year. I've been paying Medicare part B three months at a time since age 65 so I just paid October-December. If my check for December comes in January is the part B taken out for December or January? It seems confusing.
Some one at my place of employment said maximizing your income the last two years of when you work will be the boost to your social security rather than your overall working time in years. I find this hard to believe.
I Invested in 401k and a separate IRA with dividend income along with the social security. Using all three in retirement in 5 years.
it's calculated over your highest 35 years, so your max income of last two years may be of benefit but it's a longer calculation
No job. No savings. 51 years old. I am behind the eight ball so to speak.
You can do it! Cut all expenses to the bone, get out of all debt, save and invest.
They need to raise that catch up. No reason not to . I’m not saying people can put millions a year away but people like me in my 60’s should be able to put away much more than 30,500 and in my fifties I needed to put away more than $24,000 which the limit forever.
I went back to school and entered the became a medical professional later in life and that is the only reason I have about half of what I need saved.
Assuming social security will still be around.
My biggest concern is whether I'll survive after retirement.I'm used to simply purchasing and holding assets, which doesn't seem applicable to the current volatile market, and inflation is catching up with my portfolio.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
@@Jaymilnere Accurate asset allocation is crucial with an Experts guidance. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
@@hullbruce This wouldn't be the first time i am getting the suggestions to use one, but finding a decent one has been challenging. Do you mind leaving some recommendations?
Is the 5 years before retirement really the best time to invest more? Especially these days??
I would be scared of losing desperately needed money
It had a good effect
I think I need advice 🤔
Federal employee here and disabled veteran. Does my use case effect your advice
That’s some crazy expensive Chiclets…
Last 5 years: stop saving for retirement and save as much cash as you can for Bucket 1 and for conversions if you plan to do that.
You talk about paying off debt. Would you payoff a 2% home mortgage or leave the money in investments and hope to get 5%?
Me personally... i would pay off the mortgage rather than gamble on the stock market lots of things can happen between here and there.
If your retirement budget supports the cash flow you are better off keeping the mortgage.
Why not split the difference and pay off 1/2 the mortgage amount and keep the other amount in investments.
Yeah, that's a tough one that comes up from time to time. I guess it just depends on the person. If you're someone for whom it is important to have a paid off house going into retirement then I guess you pay off the house. But it's so easy to do better w/ your money, even just having it in a money m'kt. fund. CD's are paying around 5% I think. I think if I had a mortgage that low I'd be tempted to let the (safe) investments ride, at least for the time being. Just my 2 cents.
Are you two years from retirement or ten years? If you’re ten years out, the S&P500 averaging 10%+ looks a whole lot better than paying federal/state tax (15%+/-) and then paying off a 2% mortgage.
Avoid wills. Put everything in trusts.
Just not necessary for the vast majority of people. Trusts are often set up wrong and assets not correctly set up within the trust. Ends up being a nightmare for your beneficiaries. Not to mention all the assets that cannot be put in a trust.
I've upped my retirement savings through prudent trading 150% since Covid.
I’m planning on retiring within a year. Should I just be contributing 6% to my 401k, what my employer matches, and take the additional contributions and put in high yield savings?
If you already don’t have a substantial emergency fund, that’s what I would recommend or you could ladder them into 12 month CDs each paycheck.
Chicklets? Do they still sell chicklets?😋😋
Could you review project 2025 and what hat would mean for retirement
I read on the internet, so of course it's true, that project 2025 is when AI will double the GDP and robots become sentient so we won't even have to work to keep an income stream.
Why? So we remain good slav…I mean employees.
And people who work for the SS are just selling a appointment for SS,are better know as car salesman
As soon as he gets to 300K I am signing out. He doesn't do comments. He doesn't do videos (he has a guy working on videos). It feels like a walmart. It is too big for me.
🤣🤣🤣
In 2018, at the age of 49, I "retired" and moved to the Philippines. I am currently 55-1/2. Can I still take "early" Social Security at age 59-1/2? Or, has that number changed?
62 is the earliest age to get Social Security as a retiree.
Good for you dude!!!
😊
Hope you don't get laid off at 60. It will lay waste to your plans.
I'm still working, but the wife laid me off 🤣 You make a good point about "unexpected surprises" changing your entire financial plan.
Tech layoffs started last October but the severance packages kept it out of the news. This year and next will be interesting as it spreads throughout the economy. I used to think I was immune to layoffs as I work in health care but the previous crashes have brought to light that no job =. no health insurance and so in the land of diabetes even the hospitals suffer shortfalls.
There is just no way to plan for the unexpected but I'll do my best.
cashually dressed
1st
Same info over and over again
But what about those of us that don't want to retire, but instead keep on working, because it's enjoyable.
What are some strategies to mitigate the SSI reduction in benefit?