I’m grappling with crypto at the moment. I’ve opened an account with eToro with a plan to make a $20,000 investment/gamble with the simple idea of leaving it for the next 10years to see what happens. I personally don’t recommend this unless you’re happy to lose your shirt.
With crypto in my mind I was interested to read an article this morning about how your President Trump has just signed an executive order that could change things up.

I just read an excellent synopsis of continuing care retirement communities on the Morningstar website. I figured since this a frequently addressed topic on the HumbleDollar this article may be helpful for some. I have already bookmarked it for myself for future reference.
https://www.morningstar.com/retirement/is-continuing-care-retirement-community-right-you?utm_source=eloqua&utm_medium=email&utm_campaign=MorningDigest&utm_content=None_66051&utm_id=34267

A NEW TARIFF REGIME takes effect today. If the costs are passed along to buyers, the price of cars, orange juice, clothing and Swiss chocolates could increase, possibly dramatically.
I dealt with price shocks earlier this year. It gives me some insight into how we might behave if prices rise suddenly. Although I could have afforded the higher prices, the strong emotional impact made me highly adaptive. The price shock mobilized me to take action, even though it was only over a dollar or two.

So much of what we do in life involves money, and yet the vast majority of these transactions quickly disappear from our memory. What sticks? Here are nine of my most vivid money memories.
1. My older brothers—who are identical twins—and I were regulars at the local community pool, starting when I was age four. Our parents or our au pair would throw pennies into the pool, and we’d dive in and fish them out.
How much were these pennies worth?

Does the larger societal era from your childhood influence your financial outlook as an adult and beyond into retirement? This question came to mind while I was responding to a comment by bbbobbins on an article I’d posted to The Humble Dollar forum.
For example, my childhood was set against the immediate backdrop of social and civil unrest in my local community in Ireland. This was compounded by the overarching global tension of superpower rivalry during the Cold War,

My past writing on HD and numerous comments have made it clear my retirement is unique in that I have a good pension that together with our combined Social Security exceeds my working base salary the day before I retired. It also has been noted that my pension has given us a financial advantage by not being solely dependent on investments income. It’s all true.
But I have noticed that many people on HD are from couples with working spouses,

It would be nice to hear more from HD readers who have been there and done that. And to answer the question, “Knowing what you know now, what would you have done differently?”

Glancing at the clock on the sunroom wall, I noticed it was 10:23, and the postman had just dropped a parcel at the door. I thought about going to investigate this mystery delivery but decided the second coffee was much more appealing. Anyway, my seat was comfy, the sun was kissing my skin and I didn’t have anything pressing to do until playing tennis at one o’clock this afternoon. Plenty of time to make a light breakfast,

Are you definitely sure I can’t tempt you?” my friend asked for the last time as we finished our phone conversation. Once again, I replied in the negative before a few pleasant closing words and then hanging up.
Thinking back on our chat, I realized this was the fourth invitation to various activities I’ve turned down in the last few months. The invitations ranged from an opportunity to provide tax reporting services for an old friend at a decent billable rate to this most recent inquiry today to play doubles together in a badminton league come September.

Although I have been retired over 15 years, I still receive employee benefit questions from a few employees and retirees of my old company. Sadly, many of those questions reflect the person not paying attention to their own situation, not planning, and thus putting themselves and family at risk.
Here is an example of a message I received recently.
“I retired in 2011 after around 35 years in Operations and Maintenance. I still stand confused on two things,

-During a dinner a year or so ago with some of my recently-retired but still working friends, talk turned to what toys the fellas were buying with their “bonus” income. Most of the guys had big-ticket items to report: expensive new trucks, recreational vehicles, motorcycles…things like that. I didn’t have a lot to add to that conversation, but when I was pointedly asked what I’d bought for fun, the most extravagant item I could come up with was a new Trek bicycle that cost me a little under a thousand dollars—far more than I’d ever paid for a bike previously.

Jonathan Clements, through his decades of work and his recent “Getting Going on Savings Initiative,” has inspired countless people—including me—to think about how to empower the next generation. The initiative’s core mission is to give young adults a tangible head start by funding their Roth IRAs, a concept that perfectly aligns with the most important lesson I’ve ever learned about money: time is a young adult’s greatest asset.
For many years I’ve been that person who talks to younger people about saving for retirement and investing for their future.

AGING IN PLACE (So we thought)
Our journey started in the late 1980s with our first remodel. It was our second marriage, and rather than asking our teenage children to share a bedroom when it was “my weekend”, we created two bedrooms and a full bath on the lower level of our split-level. It was a suite with adjoining bedrooms and a private bath. That brought our bedroom count to six, making room for everyone.

I was reading an article focusing on the caregiving burden on adult children. 
 Shocking statistics: 63 million Americans — nearly 1 in 4 adults — now provide care to an adult with health or functional needs, or to a child with a serious medical condition or disability — a record high. 
 Nearly half of caregivers are struggling with finances.  More than 20% have taken on more debt, about a third have used up short-term savings, 30% have stopped saving,

I am 65. I plan to execute ROTH conversions over the next 10 years before I hit  RMDs. Obviously, handling the taxes at the conversion is front and center, pay with cash on hand or take out from the conversion. I understand there is an option to ROTH convert into Fixed Annuities, where the bonus (15-18%) may cover the entire tax burden. The one I have looked at is a 5-year contract, then you can take the money and put it back into the market.