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Comments

• I feel no need to consider "active" investing. If it is an active etf or a active fund the results will mirror each other. We know the 85% or more of active funds trail passive index investing, why would I fall into that trap just because it's Vanguard

  Post: Vanguard’s new active ETFs

  Link to comment from January 2, 2026

• That's a great idea. I did exactly that. I took SS at full retirement age and invest it monthly

  Post: Lump sum Vs Monthly Payment – Which pension option is better?

  Link to comment from January 1, 2026

• I didn't have a choice between a lump sum or a pension, a pension is all that was offered to me. I really appreciate the calm and security of knowing how much income I have coming in and never worrying about how market fluctuations will affect my financial security for the rest of my life

  Post: Lump sum Vs Monthly Payment – Which pension option is better?

  Link to comment from January 1, 2026

• Thanks for the input. One of the things I appreciate about HD is every comment is thought provoking, either challenging my plan or affirming it

  Post: AI or Black Eye: Choose Your Weapons Steve Abramowitz

  Link to comment from December 30, 2025

• My plan is in the second week of January to go 70% VT (Vanguard Total World) and 30% VTV ( Vanguard Total Value). This will lessen my exposure to the Mag 7 but still be 100% in stocks

  Post: AI or Black Eye: Choose Your Weapons Steve Abramowitz

  Link to comment from December 30, 2025

• I retired from my full time 33 year career at the age of 52 as soon as I new I had a full lifetime pension. I then took on a part time job in a school system for the next fourteen years which gave me another pension But after those years I had more and more days that I kept saying to myself that I've worked for fifty years and I'm still healthy so why not retire and enjoy life while my wife and I are still healthy. As a Christian I know that God has a plan for my life and always provides all of our needs. So I retired to see how he can use me in a new place and a new way

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

  Link to comment from December 27, 2025

• I can't even wrap my head around the question being asked it why it's even a question being asked

  Post: What is the standard advice for someone who wants guaranteed income in retirement?

  Link to comment from December 27, 2025

• I actually just shared this story with friends as we gathered for Christmas. I was a route salesman for thirty years for Hostess Cakes. Every year someone from our benefits department would come around and show us what our pension would be when we retire. I was never interested since I was only fifty two. The rep explained that my pension would be fifty percent of my best earnings year and it would start the first of the month. From that point on I felt as if I was working for half the pay, since they would pay me not to work. I found a teacher's aid position in our school system, retired, took three days off, worked there for the next for ten years, and tried again. The income from both equalled my full time income. I was only fifty two. I went from working 60-70 hours a week to 30. Our household income never even reached six figures. But, today with our two SS income and three pensions (One full and two half pensions) we earn$100,000 while retired.

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

  Link to comment from December 27, 2025

• 🤔

  Post: Social Security – Why I Chose FRA

  Link to comment from December 22, 2025

• Similar story for us. Invested in traditional IRA's until Roths came around. I'm still 100% Index ETF's in retirement

  Post: Boring……

  Link to comment from December 21, 2025