275 posts tagged with retirement.
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Where to put my money (debts and savings questions)

I'm coming into some money. How should I allocate it? Exciting debts inside. [more inside]
posted by anonymous on Aug 8, 2015 - 17 answers

Is there a hidden gem place to retire on a limited income?

My husband of 28 years suddenly and unexpectedly passed away from a massive heart attack at the age of 47. Now, almost 9 years later, I find myself alone and realizing that I will not be able to continue living in Southern California for much longer. Both of my sons and my grandchildren live in this area, so my move means that I will be leaving the only family I have. I'll be honest: I am absolutely terrified. [more inside]
posted by Sunnyshe on Aug 6, 2015 - 25 answers

Save for a house, or save for retirement?

Which should come first once I start making more money: save for a house, or save for retirement and a 6 month safety net? [more inside]
posted by Hermione Granger on Aug 4, 2015 - 38 answers

Should we use large portion of retirement savings to pay off mortgage?

The problem: We built a cob (monolithic adobe) house 15 years ago which we initially financed and refinanced. It is a one of a kind house and there are no other adobe homes in the area. Since the big mortgage debacle, underwriting guidelines have changed with regard to comparable homes and we cannot refinance our own home, nor could anyone else secure financing to purchase it. [more inside]
posted by lzw on Jul 24, 2015 - 18 answers

How to money

I'm in my thirties and I just got my first 'grown-up' job. Now find me a book that teaches me grown-up finances. [more inside]
posted by anonymous on Jun 5, 2015 - 20 answers

Somewhere warm for the winter

My parents are embracing retirement and planning to escape Minnesota for January and February. They're not too picky about where they stay, as long as it's on the beach and the weather is warm. Complication: they're bringing the cat. [more inside]
posted by mgar on May 29, 2015 - 5 answers

Volunteer work for loners

Posting for a friend: What kind of volunteer work can a solitary type do in five hours a week that will make the world a better place without requiring a lot of social interaction? [more inside]
posted by orange swan on May 18, 2015 - 25 answers

Annuity or Stocks for Retirement?

We are approaching retirement and the Fidelity rep is recommending we put about half our nest egg into an annuity for peace of mind. Other people said not to buy an annuity. What do you say? [more inside]
posted by Rad_Boy on May 12, 2015 - 11 answers

How do retirement parties work?

A close relative is retiring this year, and I'm considering throwing a party-- but have absolutely no skills or experience with this type of event (or, really, with party-planning in general). Looking for tips/ ideas/ planning frameworks that will help me put together an awesome retirement bash. [more inside]
posted by Bardolph on May 1, 2015 - 6 answers

Should I Stay or Should I Go?

Current company is in transition, but... a new job offer has me thinking about leaving. They aren't offering as great of a retirement package. I'm not sure it is even close! What should I do? [more inside]
posted by MMALR on Apr 28, 2015 - 10 answers

Where to put this money for my child?

A relative wants to give a cash gift to my 12-year-old child, but wants to put it in some kind of account where it can grow for many years before the child receives it. Where? How? It's under $1000 and we're in the U.S. [more inside]
posted by BlahLaLa on Apr 19, 2015 - 14 answers

401K(ickass)

My employer is selecting a new financial adviser to run our 401K and I get to serve on the interview committee. My primary objective is to make sure that whoever we select offers a good variety of index funds to choose from (our current 401K offers none and I've been nudging HR about this for a while). But I'm wondering if there are other questions I should be asking too. Each firm being considered already is answering questions about fees, reporting, general investment advice. Any thoughts?
posted by brookeb on Mar 30, 2015 - 7 answers

Opening an IRA for my husband

I'd like to open a spousal Roth IRA for my husband, but I'm unsure of the basics. Please help! [more inside]
posted by skycrashesdown on Mar 19, 2015 - 7 answers

How do single low-income / working-class Canadians save for the future?

Hello all. I am a low-income mid-30s Canadian living alone, no dependents. Advice from bank staff and popular internet blogs confuse me and don't make sense in my world (e.g. ensure an 8-10% return - but how do I do that without jeopardizing my future if I retire in a decade the investment does poorly). I feel some investments I made were silly but am not sure if I am paranoid. Please suggest good directions to explore. I will give specifics about my situation below, with my specific question in the last paragraph. [more inside]
posted by partly squamous and partly rugose on Mar 16, 2015 - 20 answers

Stories of people finding success/fulfillment late in life?

Family member is now retired and seemingly convinced that life is basically over. I am looking for stories of people who continued (or started) to do meaningful work during the years of 60+, especially if that work or activity is of the non-professional, unpaid variety. [more inside]
posted by a fiendish thingy on Mar 3, 2015 - 32 answers

Recommended Books on Financial Planning?

My wife and I are looking for a good book to help us make some better financial plans. We had our first child in the past year and my wife will finish graduate school and start a job in a few months. Accordingly, we'd like to redo our financial plans, and we'd like a book to help guide us. [more inside]
posted by pombe on Feb 28, 2015 - 4 answers

New job, new budget, yay!/halp?

I'm about to make more money than I ever have before. Help me figuring out saving and investing. [more inside]
posted by sockity sock on Feb 14, 2015 - 8 answers

How do I stop beating myself up about this financial mistake and fix it?

So, in an attempt to get our financial lives in order in some very basic and fundamental ways (making a budget, sticking to it, identifying priorities, making sense of our retirement funds and plans) my husband and I went to a recommended financial planner. She was not one of these lauded "fee-only" financial planners but she came recommended by numerous people in my expanded social circle so we gave her a shot. While there were many positive things that came out of this, we did something that I am still very unsure about other than feeling certain that we made an utterly idiotic mistake. [more inside]
posted by amanda on Feb 9, 2015 - 8 answers

Sisyphus on a Scree Slope

Can a person who owes past federal taxes and has set up a payment plan with the IRS make voluntary contributions to her employer's retirement plan, provided she continues to make the payments to the IRS as agreed? [more inside]
posted by perspicio on Feb 7, 2015 - 5 answers

Who is Hartman Jule?

While trying to check a quotation about retirement by one Hartman Jule, I found that while the name appears on lots of quote-collecting websites, I was unable to find any biographical information on anyone by that name. All references inside books only lead to epigraphs (i.e., more quotes), most having to do with retirement or advertising. Is this a known pseudonym of an individual? In lieu of any information on Hartman Jule having been a real person, I'd like to find the primary source(s) for the quotes attributed to him. [more inside]
posted by obloquy on Feb 5, 2015 - 3 answers

Where to live next?

65, need to find home. Where to live next? [more inside]
posted by NorthCoastCafe on Jan 22, 2015 - 10 answers

Best SEP IRA strategy for my family?

I am looking for quick, non-professional advice or ideas about my annual SEP IRA contribution. Details below, but the upshot is that I'm already committed to the vehicle (SEP IRA), the vendor (Vanguard) and the amount (max). [more inside]
posted by Ignatius J. Reilly on Jan 5, 2015 - 9 answers

Bad 401k, invest anyway?

My employer is beginning to offer a 401k in January. The provider is American. The selection of funds is ... old school: a bunch of managed mutual funds that aim for "growth" with TERs around 0.7-0.9%. I'm totally sold on low cost index tracking funds, so this is disappointing to me, but it's not going to change. I am decades away from retirement. Should I just contribute as normal to the 401k and then hope to roll it over (and change fund allocation) to what will hopefully be a more modern plan at my next employer (in a year or two). Or do I have any other options? [more inside]
posted by caek on Dec 29, 2014 - 21 answers

Help me improve the portfolio of my small company's 401(k)

I'd like for my company to offer smarter options like Vanguard Funds, but Vanguard doesn't seem to be one of the easy options. [more inside]
posted by polecat on Nov 26, 2014 - 7 answers

Financial anxiety! I am a lucky bum, but can't stop worrying.

I'm dealing with a lot of financial anxiety, even though I'm in a place that I know many people would envy. Does anyone have concrete advice for managing illogical anxiety over money, savings and employment? [more inside]
posted by anonymous on Nov 9, 2014 - 11 answers

Retirement savings in the neocon age...

I am finally starting to plan for long term financial security and retirement. Good news, I have a pension. My question is, should I feel secure in my pension actually being there when I retire, or should have a separate, backup retirement account? [more inside]
posted by latkes on Nov 7, 2014 - 8 answers

What type of retirement service am I looking for?

I have too many retirement accounts at too many institutions (7 going on 9). I dislike managing them all and would like to hire someone. I don't need help planning or making decisions. I need an administrator to buy my already chosen funds as money is deposited and to give me consolidated reports once per year. Does anyone know is this type of service exists? [more inside]
posted by jackquack on Oct 25, 2014 - 16 answers

How to recommend SRI fund to company 401k provider?

I know about nothing about investments, but would like my 401k to be with a socially responsible investment (SRI) fund. I have an opportunity to recommend one or more funds to the 401k provider for the company I work at. I'm wondering about the best way to do it. [more inside]
posted by ErikH2000 on Oct 19, 2014 - 6 answers

Financial advice for a very fortunate 18 year old with a 401k?

There isn't any matching, but my employer does contribute a flat amount. How much of my paycheck should I contribute to this 401k? How should I operate the 401k, and what kinds of investments should I make? How much should I save or invest seperately, in other accounts? Are there any other actions I should be taking, financial or otherwise? [more inside]
posted by 207797 on Oct 4, 2014 - 12 answers

Got a bonus. What's the best way to save it?

I'm 32. For reasons too boring to get into, I just came into about $30,000, and now I'm wondering what to do with it. I don't mean like, what kind of sports car should I buy, but rather what's the best way to save it for later? [more inside]
posted by Tenzing_Norgay on Oct 2, 2014 - 18 answers

Can my American parents live in Europe after they retire?

My American parents are looking forward to their retirement in a few years, and for a variety of reasons are contemplating retiring in Europe - likely the UK, or possibly Germany/Austria. Is this possible? [more inside]
posted by ClaireBear on Sep 30, 2014 - 22 answers

My mother is financially irresponsible, is there anything I can do?

My mother is likely to have a lot of upcoming expenses; she is nearing retirement age, she has significant health problems, and she needs to sell a house that needs a lot of expensive repairs. But she is spending amazing amounts of money on things she doesn't need, and I am really worried about her future. I am living paycheck-to-paycheck and won't be able to help her at all. Can I or should I say anything? [more inside]
posted by anonymous on Sep 24, 2014 - 15 answers

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

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