Jeff Peck

Comments

• I'm so sorry Mark...

  Post: “Too Much House” vs “Not Enough House”—But Through the Lens of Aging in Place

  Link to comment from January 20, 2026

• I'm a Vanguard customer for nearly 40 years. I can't really speak on customer service as I have rarely dealt with them.

  Post: Schwab or Vanguard?

  Link to comment from January 19, 2026

• When Cathy and I made the decision to get married, I asked her about her finances. She had a small car loan, a small consumer loan, a little bit of credit card debt and no savings. I told her I didn't live that way... After we got married, I paid off her loans and opened up an IRA for her. IT's been smooth as glass very since. I think she is a bigger penny pincher than I am. :)

  Post: Are you and your spouse synchronized?

  Link to comment from January 19, 2026

• I keep my investing simple too. Index Funds and recently sold a rental property I owned for 25 years. Retirement is 3 years way now, and I've already spotted my local DQs in the nearest towns I'll be living close to. :)

  Post: Are you an investor?

  Link to comment from January 19, 2026

• Clare - Send me an email at racelens@gmail.com and we can discuss my plans for the trust.

  Post: Your two best investing books—and do you also keep an End-of-Life “family binder”?

  Link to comment from January 5, 2026

• That's a great plan Dan.

  Post: Your two best investing books—and do you also keep an End-of-Life “family binder”?

  Link to comment from January 4, 2026

• Dana — happy 6-month retirement anniversary, and Happy New Year to you and all the HumbleDollar folks. I loved reading this: the relief you describe (more than “missing” the job) feels so real, and your days sound like a great blend of purpose, health, and margin. Also—how fun that retirement is proving contagious. October 1, 2026 will be here fast, and it sounds like your husband is making a thoughtful exit plan. I’m three years out from my own retirement, and posts like yours are exactly the kind of “this is what it can look like” encouragement I need. One more thought: I enjoy watching Real Retirees Uncut on YouTube, and you’d be a fantastic guest retiree on there—your mix of structure, meaning, and honesty would really resonate. Keep us posted on the spending plan and the next six months of simplifying and wrapping things up. Jeff

  Post: Six Months In! (from Dana/DrLefty)

  Link to comment from January 4, 2026

• AI can be a great “first pass” because it organizes facts and surfaces issues like RMDs and Roth conversions—but I wouldn’t treat it as the final authority. I also think multiple target-date funds can accidentally create an allocation you didn’t intentionally choose, since each one mixes stocks/bonds and shifts over time. With strong pension + future Social Security, you can afford more equity risk than many retirees, but a pension isn’t the same as bonds (you can’t rebalance it or tap it for a lump expense). If it were me (I'm not a Target Date fan), I’d simplify further and go with separate funds: pick a clear stock allocation for growth/legacy and a clear bond/cash allocation for stability—then rebalance once or twice a year. JMO Your move from 2025 → 2035 makes sense given you don’t need portfolio income now. Roth conversions could be smart too, but that’s a tax-bracket/IRMAA math problem worth running with real numbers. Jeff

  Post: New Year’s Resolutions, Target Date Funds, and My New Friend Gemini

  Link to comment from January 4, 2026

• You can copy these into your browser and get some valuable information. I can also email you a point paper I have created called: Medicare (Doesn't Equal) Long-Term Care (One-Page Family Guide). Just email me at racelens@gmail.com and all the links will be in the pdf file I'll send you. • Medicare: Long-term care coverage (what’s not covered) • Medicare: Skilled nursing facility care (SNF) overview • Medicare: Home health services (what Medicare doesn’t pay for) • Medicaid: Long-Term Services & Supports (LTSS) overview • Medicaid: Home & Community-Based Services (HCBS) • PACE overview (Medicare/Medicaid program in some areas) • VA: Aid & Attendance / Housebound (adds to VA pension if eligible) • Eldercare Locator (find your local Area Agency on Aging) Prepared

  Post: Share This Message

  Link to comment from January 4, 2026

• Personally, I’m not in panic mode—but I have moved to a “built in buffer” mindset: send earlier, use online options when available, and when a postmark matters, get it done at the counter with documentation. Curious what you think this looks like 5–10 years from now.

  Post: The future of mail and how it affects finances

  Link to comment from January 3, 2026