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Helping my mom get disability

My mom has been attempting to get disability for a while, and it won't happen. She has a paralyzed leg, and has lost feeling and fine motor control in her fingers. She has finally heard that a retirement account that she can't access seems to be the problem. [more inside]
posted by FireballForever on Sep 8, 2014 - 21 answers

make $ and retire early, or take federal job with more security?

Imagine you have the choice of taking (1) a very lucrative but highly demanding and stressful job in your current city, and (2) a federal job that requires a move and that pays only 25% of the lucrative job. Job 1 comes with an initial 2-year contract. While there's a possibility of getting sacked after two years, I imagine they'd renew the contract for at least two years, and if I'm performing well, I could keep going after that. If I got sacked, I could probably find another similar but probably less lucrative job, but it would take time and be quite stressful. Federal job is presumably more stable. Which would you take? Possibly relevant details: early 40's, married, no kids (and no plans of having any), very substantial savings to date, home-owner (with mortgage), currently living in big city. Interested in hearing your life experiences vis-a-vis working life and retirement. Are there benefits to trying to maximize income early and getting out of the game, vs a more slow and steady approach that provides more security? I'm clueless about retirement and recognize that a financial planner could help, but for now I'm more interested in hearing other's experiences.
posted by anonymous on Aug 11, 2014 - 19 answers

Retirement planning for the W2 contractor

Independent contractor, working for several recruiting firms as a W2 employee, but on a contract-by-contract basis (so my employer may change once or twice a year). Can I do pre-tax withholding for retirement if these employers don't have a 401k (of any kind)? [more inside]
posted by ASoze on Jul 10, 2014 - 2 answers

Help my mom not get screwed out of her pension

My mom worked for a county agency for over ten years. Now that she'd like to retire, she's noticed that random months of her pension's retirement credits are missing from the agency's records (for months she did in fact work) - these credits total almost a year of retirement. The agency claims that the records from that long ago have been destroyed, and they can't help her show that she actually did work these months. What government agency could help her solve this problem so she doesn't get screwed out of her retirement? Is there anyone who keeps monthly records of employees' work hours? [more inside]
posted by leitmotif on Jul 10, 2014 - 23 answers

What do I need to know about retirement planning, if I know nothing?

I'm late to start investing for retirement (early 30s) and don't know where to begin, other than a vague sense I should invest in mutual funds and maybe bonds and eventually real estate. What do I need to know before putting my money somewhere? [more inside]
posted by three_red_balloons on Jul 8, 2014 - 13 answers

Quick! I need help opening my first 401k and I can pick my own funds!

The small company I work for doesn’t offer a plan for 401k. Basically you go open a 401k plan wherever you like and fund it with whatever you like. [more inside]
posted by Driven on Jul 1, 2014 - 8 answers

Please help me plan a co-worker's retirement party!

I've been stuck with planning a co-worker's retirement party (I was happy to do it, but rather expected I'd have some help from other co-workers). Please help me out with advice in two main areas: the food and the gift! Details inside. [more inside]
posted by skycrashesdown on Jun 18, 2014 - 10 answers

Looking for NYC-based activities for recently retired grandmother

My grandmother is 89, and only retired in the last year. Since she's retired, she hasn't been doing much, and I'm worried about how she'll do over the next few years if she doesn't stay busy. I'd like to make a list of things she could be doing in NYC, where she lives, to stay active. She has some very specific needs and interests, though, and can be a bit ornery, so I'm hoping you can help me work within her limitations. [more inside]
posted by violetish on Jun 17, 2014 - 14 answers

Is it better to live on ramen at age 26 or 66?

Is there any point in letting my employer open up a 401k even if I have no money to put into it? [more inside]
posted by geegollygosh on May 27, 2014 - 14 answers

Where should we put our money?

My family's combined income just increased by over 50% in the span of a week, between a new job for my husband and a significant raise for me. This is obviously AWESOME. We went from living on a very tight budget so we could afford to put some savings away, to have a couple thousand dollars a month beyond even that savings. What do we do with it? [more inside]
posted by raspberrE on May 23, 2014 - 14 answers

Australian almost/quasi/kinda self-managed super fund?

I'm a freelancer. I don't yet have enough in my super to make it worthwhile converting to a self managed super fund due to the management costs. Or so I believe. But I figure I have the time to weather some major market wobbles, so I would like my super to be a more aggressive. Is there anyone offering some kind of buffet style super, and with reasonable management fees? The more fine-grained/wider choice the better, though I don't think I need to be picking particular stocks. And if not, I'd be interested in anyone's favourite high growth super funds, or insights into the cost of SMSFs.
posted by hifimofo on Apr 6, 2014 - 2 answers

Retirement savings for the self-employed

It's April and time for yet another retirement account question. I am self-employed and want to open a new retirement account. Does anyone have experience with an individual 401(k) or SEP-IRA? [more inside]
posted by natasha_k on Apr 1, 2014 - 5 answers

explain retirement to me like i'm 5.

help a girl figure some stuff out and (hopefully) not be completely SOL when she's old. [more inside]
posted by koroshiya on Mar 18, 2014 - 20 answers

Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers

How do I find a financial planner or retirement advisor?

We need a financial planner in Los Angeles. Or an advisor, I don't know the difference. Difficulty level: poorly organized procrastinators. My husband will be retiring in 3-4 years. I don't reach retirement age for several years more, though I could take "early retirement" from my company next year. Between us we have 2 pensions, 2 401Ks, 2 health insurance plans, a bit in savings bonds and a tiny IRA. We have a house that will be paid off in 3 years. And we have a lot of things we want to do in retirement. We're doing reasonably well negotiating where we'd like to live and what kind of place, but we have no idea what we can afford and/or if I can afford to retire with him. [more inside]
posted by SLC Mom on Mar 17, 2014 - 3 answers

MFAaaaaay 401Kaaaay PHDeeeeee IRAaaaay

What is the best way to move money between retirement accounts while I am currently employed so that I can access it and minimize penalties when I go back to school? (Many, many details inside) [more inside]
posted by rock'em sock'em puppets on Feb 27, 2014 - 7 answers

Help me start saving for retirement (U.S.)

I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
posted by likeatoaster on Feb 20, 2014 - 14 answers

Green Acres is the place for me

I'm turning 30 this year. My husband and I are discussing a retirement plan that includes a farm in South Carolina. Can you recommend some resources (blogs, persons willing to email, books, etc) so that we can make an informed decision about whether to do this and what sort of financial planning we'll have to do to make it happen? [more inside]
posted by House of Leaves of Grass on Feb 20, 2014 - 14 answers

How do I handle destination wedding money stress?

A friend of my girlfriend's is getting married in Asia over Christmas 2014. She's planning to go, and wants me to accompany her (and, money aside, I'd like to go). She'll be upset and disappointed if I don't, and is already upset and disappointed that I'm balking. She makes enough money to afford the trip without financial contortions, and...I don't, or don't feel like I do. This is a recurring point of contention in our relationship, and, generally, I'm not sure if I'm being unreasonable, she's being unreasonable, or a little bit of both. [more inside]
posted by anonymous on Jan 26, 2014 - 58 answers

It takes a (retirement) village. Or does it?

My dad-in-law and his wife are getting ready to chunk out the $ to move into a retirement place. I'm looking for input about these kind of "all inclusive" retirement places, their financial setups, and possible alternatives for them. [more inside]
posted by ecorrocio on Jan 18, 2014 - 22 answers

Step by step guide to get our future married house in order?

We're getting hitched! Yay! I freak out about money, and I freak out that my fiancé doesn't freak out about money as much as I freak out. Is there a good step-by-step guide you'd recommend that we can go through together to make sure we're covering all of our bases for saving for retirement, saving for other stuff, and paying down debt?
posted by ashtabula to opelika on Jan 16, 2014 - 12 answers

Financial planning for somewhere...?

I graduated college last year. I know I should be at least thinking about saving and 401ks and things like that but I moved countries, started grad school and I don't know where I'll be living in three years let alone thirty. How do I do financial planning? [more inside]
posted by raeka on Jan 14, 2014 - 8 answers

Is this investing in my future or is this a stupid decision?

I've been offered to be hired where I have been a contractor. However, there is a health insurance issue that would cost me a lot of money for several months. But I would have a great retirement plan. I have nothing in savings and $100k I just consolidated in student loans, so this issue is just complicating things. [more inside]
posted by McSockerson The Great on Dec 15, 2013 - 14 answers

Lorem Ipsum mug for my boss (anyone read Latin?) and gift advice.

My boss is retiring. He used to teach Latin. I made some webpage mockups a few months ago and he thought the lorem ipsum (dummy filler text) was very amusing. I'd like to get him a Lorem Ipsum coffee mug for a retirement/holiday gift. [more inside]
posted by hotelechozulu on Dec 12, 2013 - 14 answers

Wanted: Savvy retirement advice for a struggling youth

If I live until retirement age, I don't want to be broke. I am 24 and I want to start saving for retirement now, but I’m unsure how to go about it. I’ve heard good things about Vanguard, but I’m looking for some personal anecdotes and solid advice on how to go about this. [more inside]
posted by Driven on Dec 2, 2013 - 17 answers

Financial Planning Advice for a Financially Clueless Expat

I am a 29 year old American expat, living and working abroad in BRICs for nearly 6 years now, who needs help in getting my financial act together. Due to limitations of my company- I have not been able to contribute to a 401(k) for at least five years now, and in the last few years my salary has exceeded $135k/year, so I can't even contribute to a Roth IRA. As far as I can understand, there isn't really anything more in the basic United States system for retirement that I can take advantage of… so now what? Am I really on my own now? Are there any websites with info geared towards this? Or should I get a financial/wealth planner? Or an "expat" tax accountant? Or both? How do I even start to find one? I have no idea what to look for! [more inside]
posted by anonymous on Nov 5, 2013 - 9 answers

Where do I find financial advice for low income earners?

I understand there isn't much money in providing it, but where is the advice for people who make an income lower than 30k that doesn't involve pooling income with a partner with similar goals and income (Dave Ramsey), or assuming that this period is merely a temporary bump on a road that leads to eventually becoming solidly middle class (Suze Orman's YB&F)? [more inside]
posted by Selena777 on Oct 30, 2013 - 18 answers

How should I be saving for retirement?

As a lower income person, I feel like my retirement planning should be simple, but it still fills me with anxiety and uncertainty. Tell me what, if anything, I should be doing differently. [more inside]
posted by anonymous on Oct 14, 2013 - 16 answers

Should I dump money into my retirement index fund if the market craters?

I have a bunch of money I've been wanting to dump into a low-fee index fund all year. (It's my retirement account.) I've been holding off because of the whole budget/debt ceiling business that's been going on all year. It looks like events will be coming to a head this week. If the market totally craters, would that be a good time to buy? [more inside]
posted by evil otto on Oct 13, 2013 - 16 answers

An IRA in the hand is worth 2 401ks in the bush?

I just started a new job at a small business that does not have a company-funded 401k plan. I have 3 old 401k accounts of various amounts from previous jobs. What should I do with that money, and how should I fund my retirement now? [more inside]
posted by thirdletter on Oct 13, 2013 - 7 answers

How can I help my parents with their retirement planning?

I am helping my parents plan their retirement by looking into possible cities and/or communities for them to settle. My father has worked in NYC for the duration of his professional career and wants to retire somewhere in the Northeast. After much internet research but very little progress, he wants to spend Sun-Tues (Oct. 13-Oct. 15) driving around DE, MD, PA, and northern VA to scope out possible areas. I have been asked to accompany him on this trip but I want to create some structure around the trip to avoid simply driving around aimlessly. [more inside]
posted by allthingsconsidered on Oct 11, 2013 - 7 answers

How do childless people deal with the challenges of aging?

My partner and I have been thinking about aging recently, as various relatives reach the phase of their lives where they're moving into nursing homes and retirement facilities. Our examples are mostly of people with children, but as most of our friends reach middle age without children, we were wondering: in the US, where we don't have ingrained cultural obligations or socialist structure, how do people go through older age without kids to take care of them? If you're in that group, what are your plans for your old age? [more inside]
posted by linettasky on Oct 7, 2013 - 30 answers

Found money? I hope so

I contributed money to several different 401(k)s over the last decade and I have no idea where the accounts are. Help me find my money. [more inside]
posted by anonymous on Sep 9, 2013 - 10 answers

How to find an advisor for international personal finance issues?

How can I find a fee based financial adviser with expertise in international situations for personal banking, investing, retirement saving and tax planning? I am a Canadian expat, former UK resident, and immigrant to America (living in Chicago) and will have income and retirement savings coming from multiple countries and uncertainty about where I will ultimately end up. How can I find someone who can help me with my particular situation?
posted by srboisvert on Aug 29, 2013 - 4 answers

Money, money, mon-ey. Mo-ney. (on a Mac and iPhone?)

I’m looking for a money management app for Mac that also syncs with iPhone. What do you use and why? (I’ve looked here on Metafilter and found little to nothing that’s recent). [more inside]
posted by brokeaspoke on Aug 15, 2013 - 10 answers

What should my MIL do with this money to ensure a steady retirement?

After the untimely death of my soon-to-be-father-in-law, my future mother-in-law is expecting to receive a fairly large life insurance pay out. What should she do with this money to ensure a comfortable retirement without her husband? [more inside]
posted by anonymous on Jul 24, 2013 - 7 answers

I need a hypothetical returns calculator for TSP funds.

I'm going to be taking a 6-month hiatus from contributing to my federal TSP (401K equivalent) account. I know exactly what I am currently contributing each paycheck, and to which funds as a percentage and an actual cash amount. I want to be able to calculate hypothetical returns from an arbitrary date so that I can be sure when I have actually made up for the losses incurred by the break. [more inside]
posted by jsturgill on Jul 4, 2013 - 4 answers

Communities for growing older in lower Orange County, California?

I'm helping an early-older-age couple with their idea of possibly relocating from New Mexico to Southern California in the coming years. We are looking for thoughts about a region we're unfamiliar with. [more inside]
posted by methinks on Jul 3, 2013 - 8 answers

Questions in preparation for early retirement

I am thinking of retiring early, relatively soon. Probably within five years, maybe much sooner. I want to make sure that I correctly understand various things, so I have several questions related to taxation, Obamacare, health savings accounts, IRAs, and SEPP. [more inside]
posted by Sock McPuppet, Jr. on Jul 1, 2013 - 5 answers

403(b), TIAA-CREF v. Fidelity, WTF?

I'm finally out of school and in the working world, and now in the midst of trying to orient myself I'm trying to figure out if/how I should sock money away in a tax-deferred account with either TIAA-CREF or Fidelity. Should/can I try to figure this out myself, or should I find myself an advisor? [more inside]
posted by sciencemandan on Jun 17, 2013 - 11 answers

Is the stock market's real long-term return just 2 percent?

I was looking around for information on long-term investment planning and I ran across this page, which says that after adjusting for inflation, long-term stock market returns are only 1.9% before taxes. The whole site seems to advocate this sort of really creepy gold fetishism that's been popping up lately, so my natural reaction is to dismiss it. But I still have doubts, and this plays into my anxieties about whether retirement savings is worthwhile at all. Help me debunk this? (Existential crisis inside.) [more inside]
posted by aw_yiss on May 12, 2013 - 28 answers

That's no 401k, that's my mother-in-law!

How can I determine the hidden fees associated with my employee 401k through Prudential? [more inside]
posted by taltalim on May 8, 2013 - 6 answers

Which retirement plan should I choose?

I find this comparison really confusing. I'm starting the job in August. I'm an early 30s married woman who would like to become pregnant in the next year. The contract only lasts through the end of 2014. I do want to continue on working there, but I have no idea if additional grant money will become available at that time. Which plan would you choose? Or, failing that, which are the important factors to consider?
posted by anonymous on May 8, 2013 - 4 answers

Retiring Early and Yes I am Lazy!

I am 28, have a $60,000 a year job in Accounting and expect to be making close to $100,000 in seven years (after that, raises more uncertain). I want to retire some time in my early to mid 40s. I have a wife who is 34 and works as a retail manager (making about $40,000 a year). I am planning on living off of 20% of our after tax income (excluding mortgage payments). We currently do not have a mortgage but are planning on a house soon. We would like to travel at will and have the (option) of not working ever again. We also do not mind retiring in a cheaper location (Costa Rica, etc) to save on costs. What investment vehicles should I be considering given that I am retiring early? What kind of jobs that are part time could a retiree easily perform? How much money should be going in employee 401k type programs vs. individual investment options and IRA contributions. [more inside]
posted by locussst on May 4, 2013 - 12 answers

Any advantage to IRA if I can't deduct contributions?

I'm taking a new job with a very small company that doesn't offer a 401k. My spouse's job does offer a 401k. Based on what I see on this page, with our income, we would not be able to deduct any contributions I make to an IRA, and we're not eligible for a Roth IRA. So what is my best retirement investment strategy? [more inside]
posted by primethyme on Apr 25, 2013 - 10 answers

Rent vs. Buy: Retiree edition!

Single retiree is selling a big paid-off house and asked me and huzzeh for help deciding whether or not it makes sense to rent an apartment or buy a condo. What questions should we consider to help make this decision? [more inside]
posted by elizeh on Apr 18, 2013 - 17 answers

Financial Planner or Advisor in San Francisco

Do I need a (fee-based) financial planner, advisor, or tax accountant? Recommendations for one in San Francisco? I'm almost 30, almost debt-free, and feeling out of my depth as I try to figure out what to do about non-retirement savings. [more inside]
posted by polexa on Apr 16, 2013 - 5 answers

Federal Civilian Pension after divorce. (US)

Asking for a friend. YANHL. A couple has divorced, wife has a local civil service pension and husband a federal civilian pension. The judge ruled they would split each pension 50/50, instead of letting them keep their own. She has sent her court order to his pension board and has received acknowledgement. She has been unable to get any answers from the pension board about what happens now. He has left federal service but has not retired. Does she have to wait until he retires to start receiving her monthly checks from the federal system? Can she start getting them when he reaches retirement age even if he's not retired? Who can she contact that will answer her questions? Would CC'ing her Senators/Rep on her emails help or hurt? Thanks.
posted by 1066 on Apr 4, 2013 - 6 answers

With the Dow so high, is now a good time to start a Roth IRA?

Hello! I'm in my early 30s and am finally financially stable enough to start socking away some cash in a Roth IRA (my employer does not offer any retirement plans). However, I'm a little worried that, with the market being at such a high, that something will happen due to all the current BS going on with Congress and the market will crash again, and I will lose a good chunk of money. Is this fear totally unfounded? Should I just start my Roth and hope for the best?
posted by emily37 on Apr 2, 2013 - 20 answers

Saving for retirement with no employer retirement program

How to save for retirement when my employer offers no retirement savings program and I cannot contribute to an IRA tax-free? Details inside. [more inside]
posted by Conrad Cornelius o'Donald o'Dell on Mar 23, 2013 - 12 answers

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