Welcome to a peaceful place where we discuss various aspects of retirement, and the hope is to make you feel at peace financially and retire comfortably.
The philosophy that you don't retire out of something, but into something, emphasizes that retirement is a transition to a new phase in life with a bigger purpose.
Retirement Planner – A Pocket Guide is a compendium of information and calculations that will help plan your retirement. Retirement is not all about finance, however, once you secure your finance you can plan all the good things you want to get into.
Calculators are getting added based on usefulness and trials. They will help understand the situation, project for years to come and help in the decision making process
Start with Retirement Made Easy and Steps in Retirement to build your foundational understanding — timelines, buckets, Social Security, and more.
Use the calculators to project your portfolio, stress-test it with Monte Carlo simulation, and model your tax burden across different withdrawal strategies.
Healthcare is often the biggest surprise cost in early retirement. Explore the Medicare and ACA pages to understand your options before and after age 65.
Portfolio Manager - helps build a portfolio and maintain it
Retirement Calculator - helps project our portfolio based on where we are today and certain market assumptions
Retirement Confidence Calculator - this is a true stress tester of your portfolio and will tell you "Whether your money will last till your times?"
401k Compounding Calculator - helps young adults undertand the power of compounding. How does investment started early and done consistently pays off huge returns in retirement?
Income Tax Calculator - one page review of 4 tax situations that we will come across during our retirement. Quick calculations to help us prepare for the question "How do I pay for the taxes?"
Healthcare in retirement is a two-chapter story: before 65 (ACA marketplace or COBRA bridging the gap) and after 65 (Medicare Parts A, B, D and supplemental Medigap). Getting this wrong is costly — plan early.
Use this self-assessment to see where you stand. Check off items as you complete them — your progress is saved in this session.
Disclaimer: I am working on the content; please excuse if you find repetition. Repetitive information will be removed and logically flowing web pages will be retained. More information is also getting added as appropriate