baldscreen

Comments

• Thank you, Rick, good article. It will help the young people. I agree with you about having various sources of income to draw from, that is why we opened Roth’s about when you and your wife did. I also wanted to mention that when Spouse retired and worked part time for a year, they were eligible to continue in the 401k. We decided to put it in the Roth portion instead of traditional b/c our income was lower. We are not drawing from the Roth portion of our portfolio yet. Chris

  Post: Traditional or Roth

  Link to comment from August 29, 2026

• Maybe not, but I got one with a $15k credit limit and at the time I didn’t even have a job. Chris

  Post: Americans and their credit cards

  Link to comment from August 25, 2026

• Thank you, Marilyn. You said it more eloquently than me. Chris

  Post: Americans and their credit cards

  Link to comment from August 25, 2026

• I think they will charge whatever they can get away with, to be honest. Yes, I agree people should pay their bills, but most of the people here in the forums are blessed, including myself. We are not living hand to mouth like some Americans. C

  Post: Americans and their credit cards

  Link to comment from August 24, 2026

• Love it, Rick. Happy birthday. Chris

  Post: Reaching Two-thirds of a Century!

  Link to comment from August 24, 2026

• Well, IMO, the credit card companies are not really the injured party in people not paying off their credit cards. Have you looked at the terms on your credit card? The interest rate? The late fees? How long it takes to pay something off if you make the minimum payment? Did you know if you pay off your card in installments that you get charged an extra month of interest the month after you pay it off? Can you tell I hate credit cards? Chris

  Post: Americans and their credit cards

  Link to comment from August 24, 2026

• I was in this situation and paid quarterly also. When I started SS, they started taking the Medicare premium out right away. SS sent me a refund check for the amount that I double paid. It was automatic. I would go ahead and pay the bill that is due Sept 30. You should receive a refund. That is what I did. Chris

  Post: Preparing for SS at Age 70….. How Do I Transition to Monthly Part B Premium Deduction?

  Link to comment from August 15, 2026

• My mom had a stroke and was unable to stay in her home anymore. It has been 5 years now that she has been in assisted living. She has gone through some of her assets, and is getting close to having to touch the principal of her final asset. I do not handle her finances, one of my siblings does. I have mentioned to my sibling that we need to start talking about next steps, but she is not listening. I get what you are trying to say, Matt, our family is living this. Chris

  Post: For most retirees, the greatest fear is not death—it is running out of money before they die.

  Link to comment from August 6, 2026

• Thank you,Bill, for the link. I will check it out. I don’t know anything about TIPS, but I trust your recommendations b/c you are always trying to help those of us who don’t know as much. I will also see what Jonathan had to write about them in the Guide. Chris

  Post: Treasury Inflation Protected Securities (TIPS) are a Generational Bargain Right Now

  Link to comment from July 29, 2026

• Thank you, David. I finally got around to reading the article. We just got home yesterday from a wonderful long weekend in Chicago. We had wanted to return after our first trip awhile back since we had missed some things we wanted to do b/c of the weather. We had a great time. Highly recommend the architectural riverboat tour. We also visited the Art Institute this time and there is no way you can get through it all in one day. We came home refreshed and lots of good memories. It was good to not think about family stuff. Chris

  Post: Go While You Still Can

  Link to comment from July 28, 2026