The county I work for is facing a budget deficit. During a recent webinar on the budget, upcoming layoffs were discussed. Several people asked about early retirement incentive packages. This was dismissed by leadership because it would require putting this option on the ballot for county residents to vote on. The budget crisis was not a surprise, they saw it coming and either decided not to entertain the incentive package as an alternative or were just disorganized. Offering voluntary early retirement incentive packages seems more empathetic than laying off employees with families to support and mortgages to pay. But maybe offering early retirement incentive packages really doesn't save much money compared to laying people off?
Dana, let us know how well you keep up with former co-workers. For me, I'm afraid my co-workers won't have the time and energy to stay in touch after I retire. Typically I've seen that happen with other people who have left my workplace. Meanwhile, enjoy your retirement!
Please educate me. If I am at work and want to create a log-in for a new website, how do I use the password manager? Of if I already have a password for a website that I created with the password manager, how do I use it? Do I have to log-in to the password manager at work or wherever I am?
My problem is that I mixed traditional (deductible) IRA contributions with non-deductible IRA contributions in the same IRA account. There is no way I can know which is which. I did the 8606 forms, but would have to do the pro-rata calculations in any case. And I couldn't afford to roll that portion of the IRA over to leave only the non-deductible amount alone. Hope this makes sense.
Elaine, thank you for the update. Jonathan's legacy will live on through this forum and the knowledge and wisdom he has imparted over the years. Please thank him for all of us.
Comments
Kristine, I have always enjoyed your posts and comments. Why are you deleting your own comments now? Or is someone else deleting them?
Post: Where are the ladies?
Link to comment from March 28, 2026
The county I work for is facing a budget deficit. During a recent webinar on the budget, upcoming layoffs were discussed. Several people asked about early retirement incentive packages. This was dismissed by leadership because it would require putting this option on the ballot for county residents to vote on. The budget crisis was not a surprise, they saw it coming and either decided not to entertain the incentive package as an alternative or were just disorganized. Offering voluntary early retirement incentive packages seems more empathetic than laying off employees with families to support and mortgages to pay. But maybe offering early retirement incentive packages really doesn't save much money compared to laying people off?
Post: America Doesn’t Just Do Layoffs. It’s Fallen in Love With Them
Link to comment from March 21, 2026
Dana, let us know how well you keep up with former co-workers. For me, I'm afraid my co-workers won't have the time and energy to stay in touch after I retire. Typically I've seen that happen with other people who have left my workplace. Meanwhile, enjoy your retirement!
Post: Six Months In! (from Dana/DrLefty)
Link to comment from January 4, 2026
Can you compare the first in, first out (FIFO) versus average cost basis methods? Why pick one over the other? Thanks
Post: 2026 Financial Plan
Link to comment from January 3, 2026
Yes I would also like to know your source of information.
Post: Thanksgiving: The Keeping Story
Link to comment from November 27, 2025
Please educate me. If I am at work and want to create a log-in for a new website, how do I use the password manager? Of if I already have a password for a website that I created with the password manager, how do I use it? Do I have to log-in to the password manager at work or wherever I am?
Post: Beefing Up Security
Link to comment from November 15, 2025
My problem is that I mixed traditional (deductible) IRA contributions with non-deductible IRA contributions in the same IRA account. There is no way I can know which is which. I did the 8606 forms, but would have to do the pro-rata calculations in any case. And I couldn't afford to roll that portion of the IRA over to leave only the non-deductible amount alone. Hope this makes sense.
Post: Backdoor Roth Explained
Link to comment from October 18, 2025
Bogdan, welcome! Let's keep this forum friendly and tolerant of diverse opinions. Thank you for taking on Jonathan's legacy.
Post: Quick Intro
Link to comment from September 20, 2025
Elaine, thank you for the update. Jonathan's legacy will live on through this forum and the knowledge and wisdom he has imparted over the years. Please thank him for all of us.
Post: Jonathan and website update
Link to comment from September 20, 2025
According to the chart, Plan F is not available to those who turned 65 before 2020?
Post: Healthcare spending and premiums during a post age-65 retirement- facts and ideas.
Link to comment from September 14, 2025