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baldscreen

I am Chris. My spouse and I are newly retired, and are navigating all the things new retirees do. We live in the Midwest in the same town as our children and grandchildren. I have been a faithful HD reader since the beginning, and enjoy the different perspectives the writers bring to the table.  I have learned a lot from them.

    Forum Posts

    Total portfolio approach?

    31 replies

    AUTHOR: baldscreen on 9/14/2026
    FIRST: DAN SMITH on 9/14   |   RECENT: Michael1 on 9/16

    Guardianship

    26 replies

    AUTHOR: baldscreen on 12/7/2025
    FIRST: Mark Crothers on 12/7/2025   |   RECENT: baldscreen on 3/18

    Social Security COLA announced this morning.

    27 replies

    AUTHOR: baldscreen on 10/24/2025
    FIRST: DAN SMITH on 10/24/2025   |   RECENT: eludom on 10/26/2025

    It is never too late. By Chris

    33 replies

    AUTHOR: baldscreen on 10/18/2025
    FIRST: David Powell on 10/18/2025   |   RECENT: baldscreen on 10/20/2025

    Trips in your “go go” years?

    85 replies

    AUTHOR: baldscreen on 6/10/2025
    FIRST: Jonathan Clements on 6/10/2025   |   RECENT: Martin McCue on 6/16/2025

    Our kids do listen to us.

    18 replies

    AUTHOR: baldscreen on 1/21/2025
    FIRST: Jeff Bond on 1/21/2025   |   RECENT: David Lancaster on 1/22/2025

    First Year of Retirement

    16 replies

    AUTHOR: baldscreen on 1/5/2025
    FIRST: R Quinn on 1/5/2025   |   RECENT: Michael1 on 1/12/2025

    Jonathan in Washington Post this am.

    8 replies

    AUTHOR: baldscreen on 8/28/2024
    FIRST: 1PF on 8/28/2024   |   RECENT: Olin on 8/28/2024

    How do you know when it is time to step in with elderly parents?

    9 replies

    AUTHOR: baldscreen on 6/25/2024
    FIRST: Edmund Marsh on 6/25/2024   |   RECENT: Jackie on 6/28/2024

    Comments

    • Dick, I am really thankful you were able to help. I am sorry your family is having so many health troubles these days. I agree with you about giving the $$ vs a loan. That is what we would do also, even if we couldn’t give the whole $5k. We would give what we could. Chris

      Post: What would you do if you received this text from your child as I did this morning? 

      Link to comment from September 16, 2026

    • Michael, we have different accounts for different purposes all in our money market. I think of it more as sinking funds, along with our emergency fund. Chris

      Post: Total portfolio approach?

      Link to comment from September 15, 2026

    • Thank you, Bill. I read Dr Dahle, but a lot of his writings don’t fit our situation I will check this one out. Chris

      Post: Total portfolio approach?

      Link to comment from September 14, 2026

    • Thank you, Mark, I could understand this. It is an interesting way to think about things. It makes sense that taxes are part of the total return planning. And, that you don’t necessarily have each kind of investment in each account, you put them where it makes sense. Like, our Roth account has more stock b/c we want it to grow and maybe tap later. Chris

      Post: Total portfolio approach?

      Link to comment from September 14, 2026

    • Thank you, D.J.,this was helpful. Chris

      Post: Total portfolio approach?

      Link to comment from September 14, 2026

    • Thank you, Michael, I will look there.

      Post: Total portfolio approach?

      Link to comment from September 14, 2026

    • JoBo, I think this was a good comment. Chris

      Post: Being terminated…

      Link to comment from September 13, 2026

    • Dick, I was thinking exactly what you said, about being retired, but looking for something to do to contribute. I was thinking about possibly the taxes that Dan and Rick do in the VITA program, or possibly finding a position in a non profit credit counseling program to help people manage their money better and get out of debt. Chris

      Post: Being terminated…

      Link to comment from September 13, 2026

    • I was wondering if the Urban Institute information was just age 62 filers or all SS filers for 2025. The peak of the Baby Boom is finally old enough for Medicare, so that may also be a reason there were so many filings. This included Spouse and me. I agree with what you wrote, unless you are in one of the unfortunate situations like my brother in law had with his ALS. Chris.

      Post: Americans are rushing to collect Social Security. The reason is disturbing

      Link to comment from September 13, 2026

    • I read your post earlier and really felt for you. It sounds like you feel you still have much to offer. I thought of something I wanted to suggest as you are looking. I am not sure what field you are in, but if you are in a career that has strong sales presence, reach out to the sales people you know for any openings they hear about. My spouse did this at age 55 and had 2 strong offers when they talked to the right sales person who was well connected. Keep talking to us. Chris

      Post: Being terminated…

      Link to comment from September 12, 2026

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