L H

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• We have also shifted our investments to a simpler long term plan. Currently our passive income stream is running about 120% more than our expenses. We have no immediate thoughts of when we'll start withdrawing from them. When RMD time comes we will withdraw those and donate them to our church and other ministries that we currently don't too. If I pass away first and my wife ever needs an additional income stream I have given instructions to our son to help her spend down our taxable accounts, then our Traditional IRA with account(which is fairly small), then our Roth IRA, and finally set up automatic monthly sales from our accounts which are all at Vanguard. Switching from an investing mindset to a spending mindset is emotional. But at least we have a plan in place when the time comes

  Post: Slow on the Draw

  Link to comment from July 10, 2026

• Another reason to live Costco... Their amazing return policy! Return anything, anytime, for any reason. It also gets people to but things they wouldn't normally. If you don't like the popcorn, return it...a year later 🍿

  Post: Frittering away Frugality 

  Link to comment from July 10, 2026

• Where do I start... Rotisserie chicken, toilet paper, bottled water, coffee, $1.50 hot dog and a soda,$1.99 massive slice of pizza, the optical department, clothes, and using Costco Travel,gas. Other than these, we may buy one other item per trip to Costco. Our eye glasses alone save us much more than the cost of our membership. We go because we actually do enjoy the journey And I didn't even mention all of the samples

  Post: Frittering away Frugality 

  Link to comment from July 8, 2026

• I agree. It de-weights... and diversifies

  Post: What’s in your portfolio ?

  Link to comment from July 4, 2026

• Randy, thank you for your comment. It is the perfect example of why HD is so valuable. It is another example of a solution that I never thought of even though I know of VXF (Vanguard Extended Market etf).HD readers and commenters are thousands of individuals that agree on many things financial but look at them from different directions

  Post: What’s in your portfolio ?

  Link to comment from July 4, 2026

• We are similar. We are 100% equities , all in Vanguard index etf's. . I also wish they offered equal weighted index etf's

  Post: What’s in your portfolio ?

  Link to comment from July 3, 2026

• I remember the John Wooden quote : "Never mistake activity with accomplishment". I change it slightly to " Don't mistake busyness with accomplishment". As I ease into retirement I am learning in life that I accomplish more for my family by being "present" than by just being busy. I've spent decades as a commission salesman away my family thinking that my busyness being gone long hours at work benefited them. But now I see being "present" is the greatest gift I can leave with them when I am no longer on this earth with them

  Post: Haunted Head

  Link to comment from July 3, 2026

• I try to appreciate living in what most agree is the greatest country in the world. One of the things I'm enjoying the most is the majority of people are acknowledging the positives in the USA instead of complaining about it. I'm a believer that social media opinions are the minority of opinions but since they are "shouting" the loudest, the more people read it and believe it's true. God Bless The USA!!! Happy Birthday!!!

  Post: Happy 250th Birthday America

  Link to comment from July 3, 2026

• Thanks for posting. I agree with you, I believe it's an ongoing topic that continuously changes at different stages of life. For some more than others

  Post: What’s in your portfolio ?

  Link to comment from July 2, 2026

• Simple solution. We get cards at The Dollar Tree 2 for $1. We'll buy ten birthday cards, ten get well cards, etc. No wasted gas and great savings

  Post: Exercising true frugality 

  Link to comment from July 1, 2026