Personal Finance (Not Investing) • FEHB For Annuitants Going Forward
With the large changes in many premiums and plan costs for 2026 and 2027, I thought it might be interesting to have a discussion about actionable plans for annuitants going forward, both those on...
View ArticlePersonal Investments • Should I sell year old midduration T notes and TIPS...
Hi all, Long time lurker/learner finally posting - very helpful site!<<Updated as I had info conflated and dates wrong.>>I set up a T bill/TIPS ladder a year ago under lower rates. I know...
View ArticlePersonal Investments • How to withdraw in-kind from inherited IRA at Fidelity
I have an inherited IRA at Fidelity that I must make an RMD from this year. There are individual bonds in the account and I’d like to withdraw one in-kind to my taxable brokerage account (also at...
View ArticlePersonal Investments • Where do we go from here?
Per the format specified, we are currently "here":Emergency funds: YesDebt: NoneTax Filing Status: Married filing jointly, with two children, aged 16yr and 18yrTax Rate: 35% Federal, 3.99% StateState...
View ArticlePersonal Investments • Pay off mortgage or invest in brokerage?
Hello,42M wanting boglehead input on if I should pay off mortgage or use the money to invest in a brokerage account. Work a gov't job in California and salary is very overtime dependent. Make between...
View ArticlePersonal Investments • 10 year plan
I have been batting ideas around in my head for months, but let's get some feedback from the community. Wife and I are 60 and retired back in January. I am finishing up a final year of severance and...
View ArticlePersonal Finance (Not Investing) • excess contribution to inherited IRA
First time poster here-I inherited a Vanguard IRA from my father last year and was just informed by the executor of his estate that he had made an excess contribution to the IRA before he died. I am...
View ArticlePersonal Consumer Issues • Mileage Tracker
I have used MileIQ for many years.They were at $59.99 and then in 2024 went to $89.99 and now in 2026 I just got a notification that it’s going to $139.99.That seems rather high.I like Mile IQ because...
View ArticlePersonal Finance (Not Investing) • RMD table @ age 75 in 2032?
I was born after 1960 and I'll be required to start RMDs in 2032 @ age 75, however I can't find a RMD chart for the percentages, they all start with age 73. Does this mean I should use the age 73 RMD...
View ArticlePersonal Finance (Not Investing) • IRA left to Estate
Hello everyone,I've been working on my deceased aunt's estate and the last account needing to be dealt with is a traditional IRA with no beneficiary designation but the will does say this account...
View ArticlePersonal Finance (Not Investing) • Books, podcasts, or other resources on...
[Topic is now in Personal Finance (Not Investing) - estate planning question. moderator mkc]Hello BHs, Can you please recommend some good books, podcasts, or other resources on advanced estate...
View ArticlePersonal Consumer Issues • America.gov
Edit. Fixed the linkhttps://america.gov/how-it-worksThis looks like a useful website. Here’s what they say about themselves.Instead of navigating the maze of websites, you ask questions in your own...
View ArticlePersonal Investments • TIAA Money Market Funds
63-Year old single male retired May 2025 with mid 7-figure assets. I have inherited IRAs valued in the very high six figures. One of these, at TIAA, is 100% invested in their "TIAA Retirement...
View ArticlePersonal Finance (Not Investing) • CMS (Centers for Medicare and Medicaid...
https://www.cms.gov/newsroom/fact-sheet ... -questions$90 payment from from the Medicare Improvement Fund to all Part B participants subject to:"The 20.8 million Americans in Original Medicare Part B...
View ArticlePersonal Finance (Not Investing) • Audit my debt payment plan
Good morning everyone,My household has decided to attack our student loans more aggressively since we started making more money and I wanted to see if I am missing anything with the following plan....
View ArticlePersonal Investments • Should we contribute to a non-governmental 457b?
Married, age 42, current NW 4.9m (3.8m invested, 100% in total stock market index funds). HHI $800k/year. Annual spending $240k/year +/-. Intend to work until 60.Annual investments this year total...
View ArticlePersonal Finance (Not Investing) • Minor accident and next steps
The other day as I was coming out from a local high school, a high school student banged his car onto the front side of my car as he turned and I was at a stop sign. I could see damage on his side...
View ArticlePersonal Investments • JEPI addition
Would it be wise to add JEPI to the following portfolio of a retired 70 year old to reduce holdings in FZROX and FZILX IRA at Fidelity ($500K total)Cash/ Treasuries 28%SCHD 14%FZILX 16%FZROX...
View ArticlePersonal Finance (Not Investing) • Wondering why Samsung Money isn't...
This is relevant only to people who use Android phones, and more specifically, Samsung phones.I've been wondering why Samsung Money isn't discussed more often.Putting aside the requirement to keep a...
View ArticlePersonal Consumer Issues • What's the oldest thing you own?
Just for fun, three categories:Oldest thing you inherited. Could be a family heirloom passed down through generations. For me: from my father, 1793 George III gold sovereign Oldest thing you received...
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