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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

    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

    • Oh wow, David, Sugar Ray Leonard! Of course I remember him. How fun! C

      Post: FIFA Financials

      Link to comment from July 20, 2026

    • Yeah, I get that. I have wanted to go all my life and Spouse is agreeable. We are going to try to be easy going about it and go to one event per day and not staying the whole 2 weeks. I never thought we would be able to go in a million years. Very grateful. Chris

      Post: FIFA Financials

      Link to comment from July 20, 2026

    • I can see it if you can afford it. Spouse and I have already spent more than that on tickets to the LA Olympics that will be held in 2028. They are having another lottery soon and we will buy more if we are chosen. I fully expect our trip will be a lot of $$ when all is said and done. But it is the Olympics. It is a bucket list item. Chris

      Post: FIFA Financials

      Link to comment from July 19, 2026

    • This is similar to what we do. We helped our kids with their first homes and cars. We helped them through college. We help watch our grandkids now. We haven’t been retired long enough to feel comfortable about giving them yearly gifts yet, but hope to be in that position in a few years. Those of us who can help our children in these ways are blessed, not everyone can do this. Chris

      Post: K-shaped Economy

      Link to comment from July 18, 2026

    • Great thoughts of what really matters. Thanks, Mark. Chris

      Post: The Paradox of Wealth

      Link to comment from July 16, 2026

    • Spouse started keeping a spreadsheet after retirement. I had never done this, I did more of a guardrail type budget and sinking funds. So I have no idea if the spreadsheet is good or not? I certainly have no idea what the information tells us. I am going to suggest to spouse to play with AI and the spreadsheet to see if it can tell us anything useful. Thanks for the suggestion, Mark. Chris

      Post: Better Questions

      Link to comment from July 12, 2026

    • This was great, Mark. You always seem to stumble into the most serendipitous and fun situations. I am glad you write about them here. This cheered me up today, thanks. Chris

      Post: So Maybe That’s What It’s All About

      Link to comment from July 11, 2026

    • I am not sure if we would fall into the groups you mentioned or not? We have only been taking SS for around 18 mos, so only 1 COLA so far. It did help us with the Medicare premium going up. SS and 2 very small pensions are our base income, and we have been able to live on them for the most part. The 401k, now IRA funds we are using for extras and to save for big things. We are saving for a replacement car and recently replaced our 20 y/o refrigerator before it failed. And travel, both to our families and some fun things. So I think if our COLA was modified we would be ok for awhile, but we also were responsible and saved and did without things like fun traveling like I wanted to before retirement. Chris

      Post: About that inflation in retirement

      Link to comment from July 11, 2026

    • Andrew, thank you for this. I loved reading about Jonathan’s path in life. I only “knew” him from HD, and had no idea of his fame. He was kind to everyone, including me. Chris

      Post: The Making of Jonathan Clements

      Link to comment from July 11, 2026

    • We shop at Costco, but try to keep to our list. I agree it can be tempting to spend there. Chris

      Post: Frittering away Frugality 

      Link to comment from July 9, 2026

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