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Comments

• As a former Toledoan I always look forward to your articles. On top of that when it's about Toledo it's even more interesting. And the fact that my son is a teacher at Whitmer High School in Toledo and actually teaches Financial Literacy. Makes me enjoy it even more. Thanks

  Post: Stock Market Contest

  Link to comment from April 4, 2026

• No real concern here. Our current income from two SS accounts, one full pension, two smaller pensions provides much more than our expenses. We are about 70% Vanguard Total World (VT), 10% Vanguard Growth (VUG), 10% Vanguard Value (VTV), 10% Cash. . I used to fully fund our IRA the first of each year when we were working but now that we're retired (except a seasonal part time job) I fund our IRA on dips. Each one percent drop gets a $1000 investment

  Post: Any concern?

  Link to comment from April 4, 2026

• I agree with Mike Tyson. I really won't know until it happens, but I do have a plan. I'm a big believer in diversification. Not only in investment sectors and countries but also in income. We currently have five income streams. If anything happens to any of them we'll still be ok. Admittedly long term care could become a financial issue but with our income streams being permanent we should be all right

  Post: Punched in  the Mouth

  Link to comment from February 13, 2026

• I'll "one up" your "how did I get by all these years without a spreadsheet" with the fact that I have no idea what a spreadsheet it. And I'm ok with it

  Post: Yes, I am a NIIT wit

  Link to comment from February 11, 2026

• I feel like we got to a certain stage of life that that there isn't a right or wrong answer to your questions but there is a better or not answer. Peace of mind is our most important take away. My wife and I are both retired, but I do work in our small town's Parks Department to give me something to do and to get me out of the house. We divide that income by completely contributing to our Roth and dividing the rest into savings accounts. We don't have any debt, we've paid cash for our vehicles the last ten years, and our home has been paid off for twenty years.

  Post: Should You Stop Contributing To Your IRA?

  Link to comment from February 10, 2026

• I'll look into it, thank you

  Post: Maximizing Lifetime Retirement Spending

  Link to comment from February 5, 2026

• Thanks, I'll give it a try

  Post: Maximizing Lifetime Retirement Spending

  Link to comment from February 5, 2026

• When I read articles about withdrawal rates and I look into it I run into an issue. Most calculators starts with a certain dollar amount. Can you recommend to me some free calculators use to include multiple pensions and retirement accounts

  Post: Maximizing Lifetime Retirement Spending

  Link to comment from February 4, 2026

• Which article are you referring too

  Post: Sleeves or Buckets?

  Link to comment from February 4, 2026

• We've been on our SERS MA plan through the Ohio School Retiree System for two years now. We are completely satisfied with the cost, the network, the providers, the services and the perks. We have had no cost increases, not our family doctor cost of visit went from$20 to$0.

  Post: Medicare Advantage- heads up‼️

  Link to comment from January 30, 2026