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Old 04-04-2024, 01:54 PM  
Mosbonian Mosbonian is offline
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Retirement Thread
After the positive responses and congratulations on my Retirement thread, the idea came to me that there should be a thread that helps everyone prepare for the eventuality of retirement.

There were many great ideas, comments and great suggestions that came out of the conversation. What I would like to do is put this here as a repository for information for anyone who is:
  • Ready to retire
  • Close to retirement
  • Beginning to plan for retirement

One of the things I came to find out is that no matter how much I had thought I was prepared for retirement, there were still things I had not pondered or prepared for.

So this thread is for all your questions, comments, advice to help others that are close to retirement.

I mean....this board is about a year and a half away from being around for a quarter of a century, and many of us who have been around are there already.

So, please feel free to contribute!
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Old Today, 05:10 PM   #286
TinyEvel TinyEvel is offline
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Quote:
Originally Posted by 2bikemike View Post

What I failed to do was invest in a Roth. I have around a 14-16% effective tax rate in retirement. Nothing sucks more than to pay Uncle Same $1600 bucks for every $10K you withdraw from your IRA.
From what I understand they can only tax the GAINS in an IRA since you contribute to it with after tax money.
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Old Today, 06:19 PM   #287
2bikemike 2bikemike is offline
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Originally Posted by TinyEvel View Post
From what I understand they can only tax the GAINS in an IRA since you contribute to it with after tax money.
A Roth is pre tax dollars. So there is no tax on withdrawals. Your money grows tax free. A traditional IRA is pre tax dollars so every withdrawal is taxed.
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Old Today, 06:23 PM   #288
Bearcat Bearcat is offline
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Quote:
Originally Posted by Mosbonian View Post
Just thought I would bring this one back up to the top in case anyone new has retired lately.

The really nice part about retirement? When you have the Sunday Night and Monday Night games, there is no real rush to get up early in the AM to have to get to work.
And you can get in an afternoon nap so you can stay awake until the end.
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