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.
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