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Comments

• Thank you, Dick. This is the truth, I agree with you. Chris

  Post: Enough with IRMAA complaining

  Link to comment from December 29, 2025

• Dana, that was a blessing you had the savings to help your daughter I saved a lot of cash the last few years also. Chris

  Post: If You Could Rewind 5 Years Before Retirement… What Would You Change?

  Link to comment from December 28, 2025

• We retired when my Spouse was 64.5 and I was just turning 66. Part of the reason was family: as I have shared on here, my spouse’s brother was in the later stages of ALS. Also, right before he passed, their mother was diagnosed with Alzheimer’s. She had been struggling for a few years and we had known she had some kind of dementia. We also help care for our grandchildren. We had “enough” financially and with the family stress it was definitely a blessing that we could retire. So many people can’t. Chris

  Post: What Age Did You Retire—and What Made You Decide It Was Time?

  Link to comment from December 27, 2025

• We like being debt free in retirement. Our last mortgage was a 10 year like you are planning to get. My spouse made an amortization schedule that was interactive and I added extra payments we made to it from things like bonuses and tax refunds, etc. It was amazing how quickly the principal went down. We paid it off in 3.5 years. I don’t know what your other assets are and if you could do something like this or would want to with unexpected $$, dividends, etc. I am just offering as a thought exercise for you. We were in the last 10 years of working when we did this. Good luck. Chris

  Post: Mortgage in Retirement

  Link to comment from December 27, 2025

• Greg, this is what Spouse and I thought too. Chris

  Post: The House Always Wins

  Link to comment from December 27, 2025

• Good question, Jeff. We are in the time frame you are talking about, since we are just at 2 years into retirement. Covid was part of this time for us, and was unexpected, as it was for everyone. We had thought about doing some remodeling of our house, but weren’t far enough along to get estimates before things shut down. And, as you know, prices have gone up a lot so we are having to save more money for what we would like to do. Chris

  Post: If You Could Rewind 5 Years Before Retirement… What Would You Change?

  Link to comment from December 27, 2025

• Thanks, Dennis, I appreciate your kind words. Chris

  Post: Someday Is Here

  Link to comment from December 24, 2025

• Thank you, Mark. Good reminder to all of us. Chris

  Post: When a Debt-Free Christmas Goes Wrong

  Link to comment from December 24, 2025

• Thank you so much for this, Dennis. I am in the middle of feeling like you did when you were taking care of your mom, it helped to know I am not alone. I feel sad retirement is not going like I thought it would. The papers for guardianship of Spouse’s mom were filed yesterday. I hope we will get to a place where we can have adventures like you and Rachel. Merry Christmas to you both. Chris

  Post: Someday Is Here

  Link to comment from December 24, 2025

• We did the same. Chris

  Post: Becoming A “Bad Investor”

  Link to comment from December 17, 2025