baldscreen

Comments

• David, thank you for sharing this. We are working with an elder law attorney for Spouse’s mom’s guardianship. I will definitely read and come back and share my thoughts. Chris

  Post: A Great Article on the Role of Elder Law Attorneys

  Link to comment from January 20, 2026

• Scott, I appreciate you writing about your experience as an independent primary care physician. It was eye opening to me and I learned something. What you wrote definitely is part of the mission of HD, at least IMO. Chris

  Post: Overpaid?

  Link to comment from January 20, 2026

• We moved 11 years ago to what we hope will be our last house. Smaller lot, primary bedroom on first floor with shower. Laundry room first floor. 2 car garage so we could put a ramp into the house if needed (we can tell a previous owner had done this). This house worked out very well when I was undergoing my cancer treatments shortly after we moved in. Chris

  Post: “Too Much House” vs “Not Enough House”—But Through the Lens of Aging in Place

  Link to comment from January 20, 2026

• Mark, thanks for this. I agree with Suzie. And it is interesting that you felt the same relief, even though you are a math nerd. Having no debt is a great feeling. Our parents didn’t teach us much about finances, but they did say to pay your mortgage off before you retire. Chris

  Post: The $8,000 Cost of Peace of Mind

  Link to comment from January 20, 2026

• Dick, I could so relate to what you wrote. While Spouse and I were raised in post WW2 middle class households and had similar upbringings, I was the one totally in charge of our finances, which was scary. Spouse had little interest and I was ignorant. Luckily we were both pretty frugal and debt averse, so things never got really awful, but I came close a few times. We were able to manage, but didn’t really have financial traction until I became more educated and we moved to a lower cost of living area in 1996. Fast forward to today and Spouse is finally involved, which I am so glad. Chris

  Post: Are you and your spouse synchronized?

  Link to comment from January 17, 2026

• I think this was a helpful post, Dick. People need to know what you wrote. When my mom was around your and Connie’s age, she switched to a MA plan because her costs were getting unaffordable. My sister, who handles her finances, started setting aside what she was paying in her Medigap policy to help pay for the deductibles and co-pays. So far Mom has come out ahead and it has been 5 years now. I check every year to see if another plan would be better, but hers has been good, financially. We have had some struggles with it when she has needed PT, though. Chris

  Post: How important is planning for Medicare premiums in retirement? VERY!

  Link to comment from January 14, 2026

• We are considering CDs but haven’t pulled the trigger yet. Money market for now. Chris

  Post: Should I Lock in CD Rates Now or Stay in Money Market?

  Link to comment from January 13, 2026

• I finally got to read through all of this. First of all, Dana, I can’t imagine you getting down arrows? You are one of the friendliest people here, IMO. I don’t use the arrows a lot, unless I agree with what someone says or think they made a good point I hadn’t thought of. I don’t read all of the posts on the forum or comment on them since some of them are either over my head in understanding, don’t apply to me, or I don’t have anything to add that hasn’t already been said. Chris

  Post: The “Mean Girls”/Junior High Bullies at HumbleDollar

  Link to comment from January 10, 2026

• Thanks for linking the article, Dick, I found it interesting. We really didn’t know more than a 401k since any pension we had contributed to was frozen after a few years. The 401k was really all we knew about saving for retirement other than our parents telling us to pay our house off before we retired. We made a lot of mistakes with the 401k but things turned out ok in the end. I was interested in what the article said about the 401k lobby being a big one because the amount of $$ in 401ks is so large. Also the part about people having to save on their own so they miss out on community and generosity. I hadn’t thought about how a large 401k might mean you are more isolated because you don’t need to rely on your community. And you have to save for retirement in your 401k so you can’t be a generous giver. Personally, I don’t agree with the generous giver part b/c we haven’t experienced that. Chris

  Post: How do you really feel about 401k plans?

  Link to comment from January 10, 2026

• Quan, you have a generous heart. When I read your post, the first thing I thought of was a family member who set up some kind of trust that would benefit multiple generations of his and his wife’s branch of the family, but it is restricted to education. Not just college, but even things like piano lessons for the youngest members. I bring it up as a thought to consider that is different than some of the others have said. Chris

  Post: Warm Heart Cool Head and Cold Cash

  Link to comment from January 10, 2026