264 posts tagged with retirement.
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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

401k/Roth undisclosed "Forfeiture Fee" halves retirement rollover. Help!

I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
posted by iheijoushin on Mar 11, 2013 - 8 answers

Your dream retirement, given these circumstances?

If you were single, 53 and healthy and with an adult child roaming the Earth, where would you retire and why? Only limiting factors are 200K US in a retirement account and a pension of 40K US (with a COLA increase of $1600 each year).
posted by 1066 on Mar 9, 2013 - 28 answers

Who's the kid here?

My mom has what seems to be undiagnosed borderline personality disorder. For the last many years, she's burned bridges at work and let her self-loathing get the best of her, to the point that she's chronically unemployed, has alienated most of her friends, and has exhausted all her financial resources. She's hit rock bottom, with $0 in the bank and debts to pay. And she's turned to me for help, saying she doesn't know how to take care of herself. I'm 26. I'm struggling to pay back my own student loans. Please help me help my mom. This is in Canada. [more inside]
posted by anonymous on Feb 20, 2013 - 22 answers

How to age gracefully, or how do the elderly transition into retirement?

As I assist my recently retired parents, I'm finding I know very little about the practical parts of traversing this phase of life. How do I help them manage their financial future, particularly with life insurance? I've read previous posts but special *elder* snowflake.. [more inside]
posted by loquat on Feb 7, 2013 - 5 answers

Tell me about your awesome Roth IRA.

I have a chunk of money just sitting in an account that doesn't even earn interest. I'd like to park it into an IRA, but would like to avoid spending many hours researching them. I'd love to just pick a place, transfer the money over, and be done with it. What bank/financial institution currently offers the lowest fees for the best results? Do you have one that you adore, and offers a good deal? [more inside]
posted by chowflap on Jan 28, 2013 - 18 answers

Figuring out where to start with my finances

I am suddenly making a grown-up salary, with a retirement plan and everything. I need to talk to a financial professional about optimizing my taxes and retirement and building a perfect(-ish) machine that I don't need to think about too much. I don't actually know what this person is called. Am I looking for an accountant? A financial advisor? A financial planner? Or something else? Please help me overcome my laughable naïveté. Thanks! [more inside]
posted by the brave tetra-pak on Jan 4, 2013 - 9 answers

Saving for retirement as a graduate student.

I am a new graduate student and was hoping to put some money into a Roth IRA to start saving for retirement, but just read that contributions must be made from earned income and now I'm not sure if that is the best plan for my circumstances. [more inside]
posted by anonymous on Dec 26, 2012 - 7 answers

Gift ideas for a 6-month tour, a 6-month tour...

You just retired from being a high school English teacher and are now about to embark on a long mutiple country voyage on a boat with your husband. What would be an awesome gift for you from a former student, assuming space on the boat is limited? [more inside]
posted by steve.wdc on Dec 13, 2012 - 14 answers

Timing The Market Is Always a Bad Idea, Right?

I know timing the market is stupid. My previous attempts at it have never worked out in my favor. My 401K is all index funds. However, with the possibility of Congress going over the 'Fiscal Cliff," it is a horrible idea to go all cash until they get it sorted out? [more inside]
posted by COD on Dec 4, 2012 - 23 answers

How to get my finances in order this late in the game?

Starting from scratch at 45 years old, what's the best strategy for saving money & planning for old age? [more inside]
posted by anonymous on Nov 10, 2012 - 11 answers

How much is enough (retirement savings)?

How high was your gross income when you felt able to make the maximum contribution to your 401(k)/403(b)? Is contributing close to half of my already modest income a bad idea? [more inside]
posted by anonymous on Nov 9, 2012 - 15 answers

Can I quit my job?

Should I quit my job? Much more inside. [more inside]
posted by anonymous on Oct 4, 2012 - 18 answers

Retirement Hideway?

Anyone have recommendations on a hidden paradise to retire to in 10 years? [more inside]
posted by anonymous on Sep 7, 2012 - 28 answers

give me a home

Thinking of retiring in 10 years. Where? [more inside]
posted by wandering_not_lost on Aug 25, 2012 - 7 answers

Would You Move for Better Schools?

Moving to a better school zone. Should I do it? Tough decisions concerning moving, staying put, and financial future. [more inside]
posted by anonymous on Aug 25, 2012 - 19 answers

Not looking for a detailed plan, just a quick

Saving for retirement - the advice and calculators out there are too complicated and I constantly question my assumptions. Is there a good rule of thumb to use until I visit an advisor? [more inside]
posted by Tehhund on Aug 3, 2012 - 17 answers

Is it worth it to contribute to my company's 401k?

Is it worth it to contribute to my small company's John Hancock 401K, given the high expense ratios and no employee match? [more inside]
posted by anonymous on Jul 21, 2012 - 6 answers

I'm considering leaving the public sector for private. Please help me learn the smart way to negotiate employment offers and understand the real value of my current package.

I've been working in local government in a mid-level administrative job for six years. My satisfaction level is low, but the benefit package is generous (we're a small local entity contracting benefits through CalPERS), and the job is as secure as anything for the foreseeable future. Would I be crazy to leave it? [more inside]
posted by anonymous on Jul 10, 2012 - 5 answers

What's the long term & retirement like for freelancers?

What is the long-term freelancer outlook like? Where "long term" equals 10 years in until retirement? [more inside]
posted by circular on Jun 27, 2012 - 2 answers

Retirement fund fun!

My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
posted by erstwhile on Jun 15, 2012 - 9 answers

Early retirement account withdrawal

Need to pay off upcoming credit card bill. Can I use any of my retirement accounts to pay them off without incurring any fees? [more inside]
posted by AngryTypingGuy on Jun 11, 2012 - 5 answers

retirement kung foo ideas

I'm retiring after 35 years in 6 months.Any suggestions on good sites for retirement talk, hobbies,vocations etc...thanks
posted by malhaley on May 8, 2012 - 7 answers

I'm Partial to the Salmon and Shrimp Flake, Myself

Inspired by this post about retirement savings, I'm using my question to ask something I've always wondered about: where did the trope about senior citizens eating cat food come from? [more inside]
posted by sfkiddo on Apr 30, 2012 - 10 answers

Working around the world, how to plan for retirement?

My job is contract based, and tends to lead me around the world. How does one plan for retirement with such a job? [more inside]
posted by TrinsicWS on Apr 26, 2012 - 6 answers

Australian with US investments

What sort of things should an Australian living in Australia know about owning an investment (e.g., an index fund) in the USA? The investment would be part of a retirement fund that has a low (15%) tax rate in Australia.
posted by Joe in Australia on Apr 23, 2012 - 2 answers

Two Careers & Retirement

Three questions: (1) How many current civil service employees are also reserve/national guard members, (2) How many current civil service employees were also active duty military service members, and (3) How many of both groups retired from the military? I've been to DOD, the Census, OPM ... I'm not having much luck.
posted by CollectiveMind on Mar 16, 2012 - 5 answers

Social Security retirement benefits question

Need help navigating the tedious Social Security retirement benefits maze for my mother. [more inside]
posted by SheIsMighty on Feb 3, 2012 - 6 answers

Living the good life in 2029

[Brainy accountant-type filter] 37yo expat Canadian has a public service pension plan and too many options! [more inside]
posted by superfish on Jan 31, 2012 - 5 answers

Oh god. Another RRSP post.

Canadian RRSP filter: Does the Home Buyers Plan actually make sense? Can you crunch the numbers on my behalf? [more inside]
posted by Mrs. Rattery on Jan 24, 2012 - 12 answers

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