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In this first episode, I referred to Lars Kroijer's YouTube channel, on how to design your own spreadsheets
https://www.youtube.com/watch?v=1LUIQa5hgMg&t=0s
https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf
https://www.mutualofomaha.com/advice/calculator/how-long-will-my-money-last
https://engaging-data.com/will-money-last-retire-early/
https://media.nmfn.com/tnetwork/lifespan/#0
Lars Kroijer's YouTube channel above.
https://www.marcus.com/share/JAM-W5E-Y7Z6 (Marcus Online Savings Referral)
https://www.bankrate.com/calculators/mortgages/amortization-calculator.aspx
https://www.dallasfed.org/educate/calculators/open-calc.cfm
http://www.freddiemac.com/pmms/pmms30.html
https://www.kff.org/interactive/subsidy-calculator/
Personal Capital: https://pcap.rocks/jim541
https://retirementresearcher.com/art-asset-location/
https://www.whitecoatinvestor.com/asset-location/
https://www.schwab.com/resource-center/insights/content/importance-tax-efficient-investing
https://dqydj.com/roth-ira-conversion-calculator/
The Don’t Quit Your Day Job website has a lot of great calculators. Go check them out!
https://blog.turbotax.intuit.com/income-and-investments/capital-gains-tax-calculator-48615/
https://www.bogleheads.org/wiki/Retiree_Portfolio_Model
https://www.aaii.com/investing/article/retirement-withdrawal-calculator
(Note: I'm working on sharing my Numbers spreadsheets, linked from the Google Drive. Be patient!)
YouTube channel Finally Learn for its video on CAGR (Compound Annual Growth Rate). https://youtu.be/7cHh_nOFFis
https://www.marcus.com/share/JAM-W5E-Y7Z6 (I use 0.5% as return on low-risk assets)
I mention this Twitter feed: https://twitter.com/Accidental_Fire?s=20
https://www.advisorperspectives.com/articles/2019/01/07/does-the-bucket-approach-destroy-wealth
https://humbledollar.com/2021/06/calling-for-backup/
I look at Rob Berger's criticism of cash as trash!
https://robberger.com/how-much-cash-should-retirees-keep-on-hand/
https://www.bls.gov/web/empsit/cpseea36.htm
https://www.dallasfed.org/research/economics/2021/0527
I start by sharing a statistic in The Retirement Manifesto's recent blog,
https://www.theretirementmanifesto.com/some-fascinating-retirement-statistics/
https://legaljobs.io/blog/retirement-statistics/
https://crr.bc.edu/wp-content/uploads/2020/12/wp_2020-19.pdf
https://squaredawayblog.bc.edu/squared-away/boomers-repairing-their-mortgage-finances/
https://cfsrdrc.wisc.edu/files/working-papers/WI20-10_Fichtner_FinalPaper_508.pdf
https://www.wsj.com/articles/pay-off-mortgage-during-retirement-11614111725
https://www.nerdwallet.com/article/mortgages/should-you-pay-off-your-mortgage-before-you-retire
Lars Kroijer’s channel again: https://youtu.be/1LUIQa5hgMg
https://www.rocketmortgage.com/learn/pay-off-mortgage-early
https://www.personalcapital.com
https://retirementresearcher.com
https://www.quicken.com/personal-finance/quicken-deluxe-mac
https://www.personalcapital.com
https://www.youneedabudget.com
I'll share the modified D.I.Y. RWS spreadsheet too.
A good primer: https://www.medicare.gov/basics/get-started-with-medicare
https://www.healthaffairs.org/do/10.1377/hblog20210304.136304/full/
https://oig.hhs.gov/oei/reports/OEI-03-17-00474.pdf
https://www.ahip.org/wp-content/uploads/AHIP_IB-Medicare-Supp-Cvg-Report.pdf
https://medicaresupp.org/how-do-i-choose-a-medicare-broker/
https://www.ncoa.org/age-well-planner/medicare
https://www.goodrx.com/insurance/medicare/medicare-annual-notice-of-change-anoc
https://www.aarp.org/health/medicare-insurance/info-2021/open-enrollment-2021.html
Well, I'm not going to provide the link to this page!
Glenn Reeves created an Excel spreadsheet for estimating 2021 taxes.
https://drive.google.com/uc?export=download&id=1nXA-_YPsS65PuH_qXOd-D2gO5dTzZZNU
https://www.irs.gov/pub/irs-drop/rp-21-45.pdf
https://sites.google.com/view/iwasretired/
https://www.merriam-webster.com/dictionary/catch-22
https://www.youtube.com/watch?v=WGzR3h67pg8
Bonus links I didn't mention on YouTube:
https://www.bls.gov/opub/btn/volume-5/pdf/youre-getting-a-pension-what-are-your-payment-options.pdf
https://www.360financialliteracy.org/Calculators/Pension-Plan-Retirement-Options
https://www.kitces.com/blog/rigorous-analysis-of-pension-options-done-right/
Bonus links I didn't mention on YouTube:
https://marketplace.cms.gov/technical-assistance-resources/income-eligibility-using-magi-rules.pdf
https://www.kff.org/interactive/subsidy-calculator/
https://www.hrblock.com/tax-center/income/other-income/modified-adjusted-gross-income/
https://www.policygenius.com/taxes/what-is-modified-adjusted-gross-income-magi/
https://secure.ssa.gov/poms.nsf/lnx/0601101010
https://www.irs.gov/pub/irs-pdf/i8960.pdf
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ifaq.htm#high
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#change
https://robberger.com/i-bond-rates/
https://twitter.com/christine_benz/status/1475885223854452737
https://www.kiplinger.com/personal-finance/spending/604026/is-budgeting-overrated
https://investedwallet.com/budgeting-101-tips/
(Anniversary Director's Cut of my first video)
Lars Kroijer's YouTube channel is still found here:
https://www.youtube.com/watch?v=1LUIQa5hgMg&t=0s
(updated 2021 results in graphic)
https://www.investmentnews.com/free-planning-apps-drive-down-cost-for-advice-in-2022-215320
https://www.whitecoatinvestor.com/the-aum-fee-dilemma/
https://corpgov.law.harvard.edu/2018/09/10/the-rise-of-fiduciary-law/
https://wtop.com/news/2022/01/what-is-a-fiduciary-financial-advisor-2/
https://www.nerdwallet.com/article/investing/fiduciary
https://www.sec.gov/rules/proposed/2018/34-83062.pdf
https://www.thinkadvisor.com/2021/09/29/the-history-of-the-financial-planning-profession-part-1/
(no special links: see prior links to spreadsheets)
https://www.portfoliovisualizer.com
https://www.bogleheads.org/forum/viewtopic.php?t=294034#p5424762
https://www.bogleheads.org/forum/viewtopic.php?t=364340
https://www.bogleheads.org/forum/viewtopic.php?t=357700
https://www.portfoliovisualizer.com
https://miltonfriedman.hoover.org/internal/media/dispatcher/214480/full
https://www.nationalreview.com/corner/pelosis-strange-comments-on-inflation/
https://abcnews.go.com/Politics/week-transcript-13-22-speaker-nancy-pelosi-sen/story?id=82849151
Milton Friedman, “The Role of Monetary Policy,” American Economic Review, 58:1 (March 1968), pp. 1-17.
https://twitter.com/nfergus/status/1368718541214556160
https://www.federalreserve.gov/monetarypolicy/files/FOMC_LongerRunGoals.pdf
https://www.physicianonfire.com/dont-just-something-stand/
https://quoteinvestigator.com/2014/03/22/stand-there/
https://www.fool.com/investing/2022/02/28/medicare-owes-retirees-a-refund-says-powerful-seni/
https://seniorsleague.org/medicare-owes-beneficiaries-a-refund/
https://www.ssa.gov/policy/docs/statcomps/supplement/2011/2b-2c.html#table2.c1
https://www.cms.gov/files/document/2021-medicare-trustees-report.pdf
(No links)
https://www.federalreserve.gov/monetarypolicy/fomcminutes20211215.htm
https://www.clevelandfed.org/our-research/indicators-and-data/simple-monetary-policy-rules.aspx
https://www.jhinvestments.com/viewpoints/market-outlook/what-quantitative-tightening-why-matters
https://www.clevelandfed.org/our-research/indicators-and-data/inflation-nowcasting.aspx
https://www.atlantafed.org/research/inflationproject/mycpi.aspx
(updated this link to the latest article on the subject on 3/28/22)
https://www.morningstar.com/articles/1085820/whats-your-real-inflation-rate
https://www.ftc.gov/system/files/ftc_gov/pdf/D09408IntuitP3Complaint.pdf
https://www.propublica.org/series/the-turbotax-trap
https://tipswatch.com/2021/12/05/when-is-the-i-bonds-fixed-rate-likely-to-rise/
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ifaq.htm#high
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#change
https://thefinancebuff.com/buy-i-bonds-as-gift.html
https://www.treasurydirect.gov/indiv/planning/plan_gifts.htm
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ifaq.htm#gift
See above for more information, especially the treasurydirect.gov links.
https://www.skincancer.org/treatment-resources/mohs-surgery/
https://finance.yahoo.com/news/bridgewater-top-strategist-says-fed-100000833.html
https://seekingalpha.com/article/4504196-tapering-qe-fed-balance-sheet-interest-rates-oh-my
https://www.wsj.com/articles/inflation-eclipses-aprils-historically-strong-wage-gains-11651854549
https://twitter.com/UncommonYield/status/1522007010656595968
https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html
https://www.nerdwallet.com/article/finance/to-fight-inflation-take-down-food-expenses
https://www.consumerreports.org/inflation-prices/how-inflation-is-affecting-consumers-a1015624367/
https://www.wsj.com/articles/inflation-bls-price-checkers-who-determine-cpi-11652132333
https://www.brookings.edu/blog/up-front/2021/06/28/how-does-the-government-measure-inflation/
https://fred.stlouisfed.org/graph/?g=Pozz
https://www.bls.gov/charts/consumer-price-index/consumer-price-index-average-price-data.htm
https://www.investopedia.com/terms/b/basket_of_goods.asp
https://finance.yahoo.com/news/how-we-can-all-beat-inflation-183905327.html
https://www.aier.org/article/a-drinking-mans-guide-to-monetary-policy/
https://doi.org/10.17016/2380-7172.2873
WSJ Jason Zweig essay:
Another WSJ history of inflation article:
http://www.sca.isr.umich.edu/charts.html
https://www.c-span.org/video/?c5016762/user-clip-paths
https://www.c-span.org/video/?c5016954/user-clip-abortion-economics
https://youtube.com/clip/UgkxG0EjTgacQL9MnIARorso6wnczUN1z_pL
(see spreadsheets. Didn't share any special links for CPI report.)
Jennifer Lemmer’s Diamond Nestegg YouTube video:
https://www.bogleheads.org/wiki/I_savings_bonds#How_the_formula_works
http://eyebonds.info/ibonds/home10000.html
http://eyebonds.info/ibonds/10000/ib_2003_04.html
https://www.treasurydirect.gov/indiv/tools/sbrt0622.pdf
https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-359#359.39
Note: According to the Federal Register, book-entry I Bonds are based on the current redemption value of a $100 I Bond, but the paper I bond is in turn calculated by units of $25. Go figure!
https://www.iii.org/article/life-insurance-basics
https://www.northwesternmutual.com/life-and-money/life-insurance-guide/#chapter-1
https://www.cnbc.com/2022/05/31/25percent-of-americans-are-delaying-retirement-due-to-inflation.html
https://www.moneytalksnews.com/slideshows/why-people-retire-earlier-than-planned/
https://www.ebri.org/docs/default-source/rcs/2022-rcs/2022-rcs-summary-report.pdf
https://www.nerdwallet.com/article/investing/deferred-compensation
https://www.atlantafed.org/cqer/research/gdpnow.aspx
https://slate.com/news-and-politics/2008/09/the-difference-between-a-depression-and-a-recession.html
https://www.nber.org/research/business-cycle-dating
https://www.cnn.com/2022/06/30/economy/recession-economists-nber/index.html
https://www.bls.gov/news.release/empsit.nr0.htm
No links, just one personal story.
What Is Critical Race Theory? And Does It Fulfill the Civil Rights Movement or Betray It?
The DEI Regime:
Biden’s ESG Tax on Your Retirement Fund
https://www.morningstar.com/articles/1097701/how-much-does-high-inflation-really-affect-retirees
https://www.axios.com/2022/07/18/recession-worse-inflation-progressive-economists-argue
https://www.ft.com/content/31b15e03-929f-40c1-b2f8-782df4bd6e37
https://retirementincomejournal.com/article/a-recessions-threat-to-retirees-and-near-retirees/
https://www.wsj.com/articles/jobs-report-to-keep-fed-on-aggressive-tightening-path-11659714646
Dr. Wade Pfau's book:
https://www.marketwatch.com/story/the-good-news-on-inflation-that-everybody-missed-1165833920
https://www.yardeni.com/pub/expectinflat.pdf
https://www.newyorkfed.org/newsevents/news/research/2022/20220808
https://fred.stlouisfed.org/graph/?g=SSZh
https://data.sca.isr.umich.edu/fetchdoc.php?docid=70221
https://www.federalreserve.gov/monetarypolicy/fomcminutes20220727.htm
https://squaredawayblog.bc.edu/squared-away/good-riddance-medicare-donut-hole/
https://www.healthinsurance.org/obamacare/beware-obamacares-subsidy-cliff/
and
See links above for Episodes 47 and 48 for Portfolio Visualizer and Boglehead discussions.
See blog's by David Enna, Tipswatch:
I also go through the spreadsheeet I used to automate the formula I learned from Jennifer’s Diamond Nestegg You Tube video:
No links, just visit www.treasurydirect.gov and open an account!
https://www.medicare.gov/about-us/inflation-reduction-act
https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/
Go to www.medicare.gov and use the Plan Finder!
https://www.bogleheads.org/forum/viewtopic.php?p=6920956
https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/
https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-363
https://reason.com/2022/10/27/the-experts-were-never-going-to-fix-inflation/
https://thefinancebuff.com/when-to-sell-i-bonds.html
https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html
https://www.newyorkfed.org/markets/reference-rates/effr
https://twitter.com/IwasRetired
https://www.kff.org/interactive/subsidy-calculator/
https://www.healthcare.gov/see-plans/#/
https://nj.gov/getcoverednj/financialhelp/savings/
https://finance.yahoo.com/news/fed-lift-rates-50-basis-000952073.html
https://www.clevelandfed.org/indicators-and-data/inflation-nowcasting
https://smartasset.com/financial-advisor/6-89-i-bonds-will-beat-9-62-i-bonds
https://www.physicianonfire.com/net-worth-tracker/
https://sites.google.com/view/iwasretired/resources/spreadsheets
See YouTube channel Finally Learn for its video on CAGR (Compound Annual Growth Rate).
https://sites.google.com/view/iwasretired/resources/spreadsheets
https://www.bls.gov/news.release/cpi.nr0.htm
https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20221214.pdf
https://tipswatch.com/2023/01/03/i-bonds-a-not-so-simple-buying-guide-for-2023/
https://treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/
https://thefinancebuff.com/when-to-sell-i-bonds.html
https://sgp.fas.org/crs/misc/R44670.pdf
https://www.ssa.gov/benefits/retirement/planner/1960.html
https://www.ssa.gov/OACT/anypia/index.html
(Online calculator here:)
https://www.ssa.gov/benefits/retirement/planner/AnypiaApplet.html
https://www.fidelity.com/viewpoints/retirement/social-security-at-62
https://www.schwab.com/learn/story/secure-20-how-does-it-affect-retirement-plans
https://www.eisneramper.com/secure-2-act-retirement-plans-0123/
https://www.wellsfargo.com/the-private-bank/insights/apu-secure-act/
https://www.kiplinger.com/retirement/bipartisan-retirement-savings-package-in-massive-budget-bill
https://www.itcmarkets.com/hawk-dove-cheat-sheet-2/
https://www.cnn.com/2023/01/30/economy/fed-fomc-2023-makeup/index.html
https://www.youtube.com/watch?v=PVuCMVEbjNA&t=9s
https://www.opensocialsecurity.com/
Some of the challenges:
https://www.youtube.com/watch?v=bJuA-7EL6mI&t=14s
https://www.socialsecurityintelligence.com/calculators/social-security-break-even-calculator/
Fidelity Social Security calculator:
https://digital.fidelity.com/stgw/digital/planning/retirement/guided-retirement-path/social-security
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/GRP Social Security Methodology.pdf
https://www.retirebeforedad.com/newretirement-review-retirement-calculator/
https://www.theretirementmanifesto.com/how-to-determine-when-to-claim-social-security/.
No links.
No links.
https://sites.google.com/view/iwasretired/resources/spreadsheets
if you would like to try Personal Capital, you and I could earn a $20 Amazon gift certificate. I am not being paid by Empower for this review, other than this sharing credit open to all users. Click below and link at least one retirement account to qualify:
https://empowerreferral.link/jim762
Learn more about Empower at its main website:
https://www.empower.com/empower-personal-wealth-transition
https://www.newretirement.com/retirement/home
Here are a few more YouTube video reviews of this excellent, affordable product:
https://www.youtube.com/live/54yyFNQyf8s?feature=share
https://youtu.be/doCnGK1Fwm0
https://youtu.be/Dpn2VWY0bvk
Some bonus links:
https://www.modestmoney.com/newretirement-review/
https://thecollegeinvestor.com/33680/newretirement-review/
https://www.reddit.com/r/retirement/comments/zxhpyc/anyone_using_newretirement_software_for_monte/
https://www.bogleheads.org/forum/viewtopic.php?t=393046
https://www.newretirement.com/retirement/home
https://www.opensocialsecurity.com/
See links above.
https://www.bea.gov for most recent PCE readings
https://thehill.com/business/4076702-retirees-are-underestimating-how-long-they-will-live/
https://crr.bc.edu/project-page/national-retirement-risk-index/
https://crr.bc.edu/retirement-depressing-or-uplifting-its-up-to-you/
(Oops! Gen X median longevity age was 86, not 85!)
https://www.aarp.org/retirement/planning-for-retirement/info-2023/generation-x-anxiety.html
https://www.cnbc.com/2023/06/13/retirees-biggest-fear-is-outliving-their-assets-research-finds.html
https://news.prudential.com/generation-x-confronts-harsh-new-reality-retirement-unreadiness.htm
https://filecache.mediaroom.com/mr5mr_nwmutual/178963/Financial%20states%20of%20America.pdf
https://www.eric.org/wp-content/uploads/2023/07/Roth-Treasury-Transition-Letter-Final.pdf
https://www.uschamber.com/retirement/u-s-chamber-letter-on-roth-catch-up-transition-relief
https://www.wsj.com/articles/retirement-tax-breaks-401k-contributions-2868ffdc?mod=hp_lead_pos6
https://twitter.com/LTI_finance/status/1686539252732215296?s=20
https://www.financialplanningfortcollins.com/blog/nso-iso-rsu-espp-esop-equity-compensation/
https://us.etrade.com/knowledge/library/stock-plans/employee-stock-purchase-plan
https://us.etrade.com/knowledge/library/stock-plans/employee-stock-purchase-plan
https://www.naspp.com/blog/ESPP-features-pros-and-cons
https://www.nerdwallet.com/article/investing/espp
https://www.yahoo.com/video/4-types-equity-compensation-pros-140028469.html
https://www.fidelity.com/viewpoints/personal-finance/stock-plan-mistakes-to-avoid
https://tipswatch.com/2023/08/06/the-i-bond-exit-ramp-is-now-open-proceed-with-caution/
https://www.bls.gov/web/cpi.supp.toc.htm
https://www.fool.com/retirement/2023/08/19/should-you-take-social-security-at-age-62-67-or-70/
https://www.fool.com/retirement/2023/08/19/only-10-plan-to-make-optimal-social-security-move/
https://www.fool.com/investing/2022/09/17/should-you-claim-social-security-early-to-invest/
https://www.kiplinger.com/retirement/when-is-the-right-time-to-file-for-social-security
https://www.kiplinger.com/retirement/reasons-to-claim-social-security-as-soon-as-you-retire
Plus, use the free PorfolioVisualizer to run your own tests!
https://www.portfoliovisualizer.com
https://www.opensocialsecurity.com
Episode 123 has no links or spreadsheets.
https://eyebonds.info/ibonds/home10000.html
https://docs.google.com/spreadsheets/d/1kPxYqe11i0kOdFEuQ3ggItVQcVC4Xvk-/edit#gid=1928911714
https://creativeplanning.com/insights/retirement/retirement-earlier-expected/
https://www.fool.com/retirement/2023/08/28/3-scenarios-where-an-early-retirement-might-backfi/
https://www.investors.com/etfs-and-funds/retirement/forced-to-retire-early-what-to-do-now/
https://www.itcmarkets.com/hawk-dove-cheat-sheet-2
https://www.reuters.com/graphics/USA-ECONOMY/FED/lgpdwawwzvo/
https://www.brookings.edu/articles/what-is-discretionary-spending-in-the-federal-budget/
https://crsreports.congress.gov/product/pdf/IN/IN12183
https://www.crfb.org/papers/government-shutdowns-qa-everything-you-should-know
https://www.pgpf.org/blog/2023/09/how-do-the-house-and-senate-appropriation-bills-differ
https://www.bankrate.com/investing/time-to-sell-series-i-bonds/
https://www.investopedia.com/articles/bonds/08/treasuries-fed.asp
https://www.nerdwallet.com/article/investing/how-to-buy-treasury-bonds
https://www.aarp.org/money/investing/info-2022/how-to-buy-treasury-t-bills.html
https://www.kiplinger.com/personal-finance/savings/how-to-buy-treasury-bills
https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles
https://data.cms.gov/tools/medicare-enrollment-dashboard
(see prior links for bucket strategy)
https://csg-actuarial-wordpress.appspot.com/news/average-medicare-supplement-rate-increases-by-plan/?fbclid=IwAR1XvvisicnSd2quf8VYh36EF6ijCU2dtmBhHwzUUGN378INtd8SaMx7DC
https://www.kff.org/medicare/issue-brief/how-many-physicians-have-opted-out-of-the-medicare-program/#methods
https://crsreports.congress.gov/product/pdf/R/R47552
Be sure to visit the entire I-Bonds Playlist, especially:
https://youtu.be/A0VCRlQevh8 (How to Redeem an I-Bond)
Also, find the one where I review the secret formula:
See new playlist on Roth conversions with past videos on the subject: https://www.youtube.com/playlist?list=PLXKHy3kW_swj9uyZK2OQQ5CVo-1ZcrE3X
Shout out to @NewRetirement and to Glenn Reeves, and his excel1040.com spreadsheet:
https://sites.google.com/view/incometaxspreadsheet/home/download
https://www.fidelity.com/calculators-tools/roth-conversion-calculator/
https://www.schwab.com/ira/ira-calculators/roth-ira-conversion
https://www.calcxml.com/calculators/roth-ira-conversion-calculator?skn=#results
https://www.newretirement.com/retirement/roth-conversion-calculator/
https://www.irs.gov/publications/p505#en_US_2022_publink1000194749
https://www.schwab.com/learn/story/managing-taxes-retirement
https://www.experian.com/blogs/ask-experian/how-to-pay-quarterly-taxes/
https://www.investopedia.com/articles/tax/10/tax-withholding-benefits-criticisms.asp
https://www.nerdwallet.com/article/taxes/estimated-quarterly-taxes
https://www.aarp.org/money/taxes/1040_tax_calculator.html
https://www.irs.gov/individuals/international-taxpayers/pensions-and-annuity-withholding
https://www.irs.gov/help/ita/am-i-required-to-make-estimated-tax-payments
https://www.irs.gov/pub/irs-pdf/p4190.pdf
See links for videos mentioned above.
https://www.youtube.com/watch?v=2soI7LdueII&t=109s
https://www.longevityillustrator.org/Profile
https://www.fool.com/research/average-retirement-age/
https://www.fool.com/investing/2024/01/13/51-of-americans-retire-at-age-61-or-earlier-these/
https://www.treasurydirect.gov/indiv/tools-videos/treasurydirect-1099/
https://www.kiplinger.com/retirement/non-qualified-annuities-should-retirees-think-twice
https://www.thinkadvisor.com/2023/04/19/annuities-and-taxes-what-advisors-need-to-know/
https://www.annuity.org/annuities/taxation/
https://finance.yahoo.com/news/owe-taxes-non-qualified-annuities-140046185.html
See my prior playlist on Spreadsheets, Anyone for more detail on the design.
https://youtu.be/2cQikTzkWFI?si=N1kyhCGWn7_geYKR
And you can find the basic portfolio by buckets spreadsheet as a free download on my Google Site:
https://finance.yahoo.com/news/17-americans-retired-early-thanks-230025202.html
https://www.transamericainstitute.org/research/all-research
https://www.transamericainstitute.org/research/retirees
https://www.bogleheads.org/forum/
https://www.bogleheads.org/wiki/Main_Page
https://www.youtube.com/@bogleheads3687
https://twitter.com/bogleheads/
https://www.youtube.com/@HeritageWealthPlanning
https://www.youtube.com/@HolySchmidt
https://www.youtube.com/@RootFP
https://www.facebook.com/groups/retirementplanningeducation
https://www.youtube.com/@RetirementPlanningEducation
https://www.youtube.com/@rob_berger
https://www.youtube.com/@Pensioncraft
https://www.youtube.com/@retirewithstylepodcast
https://www.youtube.com/@retirementanswerman
https://www.youtube.com/@BoomerBenefits
https://www.youtube.com/@MedigapSeminars
https://www.youtube.com/@DevinCarroll
https://www.facebook.com/groups/428684237572614/
https://www.youtube.com/@DiamondNestEgg
https://www.youtube.com/@joekuhnlovesretirement
https://www.youtube.com/@retirementcorner
https://www.youtube.com/@retirearly500k59
https://twitter.com/TCRStudies
https://twitter.com/TI_insights
https://twitter.com/RetirementRsrch
https://twitter.com/ErnRetireNow
https://twitter.com/MeasureTwiceMNY
https://twitter.com/ClementsMoney
https://twitter.com/TheFinanceBuff
https://twitter.com/MichaelKitces
https://obliviousinvestor.com/
Plus, don’t let me forget:
https://www.theretirementmanifesto.com/
Fritz Gilbert is a pioneer in DIY retirement!
And sign up for Morningstar’s free emails, featuring Christine Benz and John Rekenthaler
https://www.shrm.org/topics-tools/news/benefits-compensation/secure-act-retirement-savings
https://www.opensocialsecurity.com
Links for rules of thumb:
https://allthatsinteresting.com/rule-of-thumb-origin
https://idiomation.wordpress.com/2021/10/16/rule-of-thumb/
https://www.advisorperspectives.com/articles/2023/10/09/bill-bengen-monitor-adjust-withdrawal-plans
https://www.modwm.com/retirement-rules-of-thumb-lets-bust-them/
https://money.usnews.com/money/retirement/articles/is-a-60-40-portfolio-appropriate-for-retirees
https://filecache.mediaroom.com/mr5mr_nwmutual/179070/2024 PP Wave II Data Deck_ Work Retirement.pdf
https://www.federalreserve.gov/publications/files/scf23.pdf
http://eyebonds.info/tips/index.html
https://www.investopedia.com/ask/answers/021815/how-do-i-calculate-yield-inflation-adjusted-bond.asp
https://www.finra.org/investors/insights/bond-yield-return
https://www.bogleheads.org/forum/viewtopic.php?t=415100
https://www.kiplinger.com/investing/bonds/tips-vs-i-bonds
https://www.treasurydirect.gov/auctions/announcements-data-results/tips-cpi-data/
https://www.portfoliovisualizer.com/monte-carlo-simulation
https://obliviousinvestor.com/whats-your-funded-ratio/
https://www.fa-mag.com/news/using-tips-to-reveal-a-retirement-plan-s-funded-ratio-73360.html
https://retirementresearcher.com/understanding-funded-ratio/
https://www.mutualofomaha.com/calculator/how-long-will-my-money-last
https://www.advisorperspectives.com/articles/2023/10/09/bill-bengen-monitor-adjust-withdrawal-plans
https://opensocialsecurity.com
https://finance.yahoo.com/news/spousal-social-security-benefits-3-100000961.html
https://www.fool.com/retirement/2024/05/04/should-you-take-social-security-at-age-62-67-or-70/
https://www.dol.gov/newsroom/releases/ebsa/ebsa20240423
https://www.shrm.org/topics-tools/news/benefits-compensation/dol-final-fiduciary-rule-april-2024
https://www.morningstar.com/retirement/do-you-need-more-than-3-buckets
https://www.newretirement.com/retirement/retirement-bucket-strategy-right-for-you/
Remember, my Googles Site: https://sites.google.com/view/iwasretired (see latest version)
https://nabip.org/membership-resources/medicare-portal/compliance
https://nabip.org/media/7646/plan-n.pdf
https://nabip.org/media/7645/plan_n_guidance2-1.pdf
https://csg-actuarial-wordpress.appspot.com/news/2023-medicare-supplement-loss-ratios-by-plan/
https://www.telosactuarial.com/blog/med-supp-rate-actions-2024-q1
https://awealthofcommonsense.com/2024/05/when-life-forces-your-hand/
https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/
https://www.theretirementmanifesto.com/2024-retirement-charts/
https://www.aol.com/finance/economist-rejects-blackrock-ceo-larry-104500798.html
https://www.blackrock.com/corporate/investor-relations/larry-fink-annual-chairmans-letter
https://www.fool.com/retirement/2024/04/03/blackrock-ceo-larry-fink-says-65-is-too-early-for/
https://www.reuters.com/graphics/USA-ECONOMY/FED/lgpdwawwzvo/
https://www.bankrate.com/banking/federal-reserve/fed-interest-rate-decision-biggest-winners/
https://www.itcmarkets.com/hawk-dove-cheat-sheet-2
https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html
Also, see my latest video on the subject: https://youtu.be/IouGvSwdTuc
https://www.fool.com/retirement/2024/05/04/should-you-take-social-security-at-age-62-67-or-70/
Also, see my latest video on the subject: https://youtu.be/oaADDhhsIQs
https://www.thenation.com/article/society/medicare-advantage-privatization-inequity-fraud/
https://help.newretirement.com/en/articles/4789305-medicare-assumptions-and-estimates
Also, see my latest video on the subject: https://youtu.be/5eKS_AO3Dp0
And this older video on Medicare Advantage:
And check out NewRetirement at:
https://www.newretirement.com/
https://www.newretirement.com/retirement/roth-conversion-calculator/
Reviews by others:
https://robberger.com/decoding-the-chance-of-success-in-your-retirement-plan/
https://www.danielsilver.com/best-retirement-calculator
https://www.caniretireyet.com/plannerplus-retirement-calculator-review/
https://wellkeptwallet.com/newretirement-review/
https://www.whitecoatinvestor.com/newretirement-review-online-retirement-calculator/
https://www.reddit.com/r/NewRetirement/comments/1auc339/nr_vs_moneyguide_pro/
My DIY approach:
https://youtube.com/playlist?list=PLXKHy3kW_swiiUayk6E7Y76O40NjQiw3V&si=uMUfaAs5nivZANT4.
https://www.morningstar.com/personal-finance/3-cognitive-biases-avoid-when-preparing-2024-election
https://www.morningstar.com/financial-advisors/oil-water-how-invest-during-an-election-year
https://www.fool.com/retirement/2024/07/15/retirees-are-returning-to-work-after-the-latest-so/
https://www.newretirement.com/
https://www.axios.com/newsletters/axios-markets-3e47a650-5119-11ef-af91-cb87052b972a.html
https://nypost.com/2024/08/05/business/calls-grow-for-emergency-interest-rate-cut-by-fed/
https://www.plansponsor.com/tiaa-morningstar-sued-over-retirement-advice-tool/
https://www.financial-planning.com/news/tiaa-morningstar-lawsuit-alleges-costly-annuity-abuses
https://en.wikipedia.org/wiki/Sabre_(travel_reservation_system)
See Links
https://www.wsj.com/health/pharma/medicare-prescription-drugs-lower-prices
https://www.wsj.com/health/pharma/medicares-drug-price-talks-are-about-to-get-more-heated-5d6e5f6f
https://apnews.com/article/biden-drug-prices-medicare-prescriptions-34886d6f362c242be268c05d5efd5411
https://thehill.com/policy/healthcare/4830392-medicare-drug-price-negotiations-takeaways/
https://www.cms.gov/files/document/infographic-negotiated-prices-maximum-fair-prices.pdf
https://www.kff.org/medicare/issue-brief/what-to-know-about-medicare-part-d-premiums/
https://www.politico.com/news/2024/08/13/biden-adiminstration-medicare-drug-premiums-spike-00173308
https://www.americanactionforum.org/weekly-checkup/the-part-d-redesign-a-tragedy-in-three-acts/
@ChristopherWestfall has a site devoted to Plan N Medigap insurance:
and his full site is here:
https://seniorsavingsnetwork.org
Now, I bought my Plan N through @BoomerBenefits, another broker with a good YouTube channel.
https://www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023/
https://www.telosactuarial.com/blog/med-supp-broker-sales-mix-2024-q2-review
https://www.valuepenguin.com/how-choose-medigap-health-policy
https://www.medicarefaq.com/faqs/medigap-birthday-rule/
Check out the handbook here:
https://www.medicare.gov/medicare-and-you
Here are more links to share:
https://boomerbenefits.com/medicare-part-d-plans/medicare-donut-hole-2024/
https://www.kff.org/medicare/issue-brief/what-to-know-about-medicare-part-d-premiums/
https://www.cms.gov/files/document/lower-out-pocket-drug-costs-2024-and-2025-article.pdf
Last year’s video on plan finder on my channel:
https://youtu.be/hBH-GwbCvuE?si=VmzyMRw37OmaGgRe
https://www.wsj.com/health/pharma/higher-drug-costs-mail-order-prescription-bf37886f
https://finance.yahoo.com/news/us-medicare-says-part-d-204943142.html
See links above for Medicare Plan Finder and look at your own plan's formulary!
Here are 3 keys to my DIY Retirement, which I've described in other videos:
1) Say No to AUM!
Check out this video:
https://youtu.be/CMr39eh4sEM?si=7Q61igU6l1tig_fJ
2) I'm waiting for 70 for Social Security
Check out this video:
https://youtu.be/II8lv2WuBCE?si=FDGPTb91UqXBoLYk
3) A 3-Bucket Portfolio
Check out this video:
https://youtu.be/6_4EqhjDBaI?si=RPrw5oBSqFCwYWnV
Also, be sure to visit my Google Site for the latest version of my portfolio by buckets spreadsheet. It's free:
I did a similar analogy a few years ago in this video:
https://youtu.be/-MId-DD9z8Q?si=C_-fhkbc5jpGjmQk
And you'll find my own spreadsheets and online tools I've used to think about Roth conversions in these past videos:
https://youtu.be/XQ6Day1Il20?si=csqmS7nY-Csfw9fv
https://youtu.be/brOUbUdwZ-I?si=twvx_xi7IqpIi_Mf
https://www.boldin.com/retirement/roth-conversion-calculator/
Check out the original video here:
And here are a few more links to share:
https://www.telosactuarial.com/blog/med-supp-rate-actions-2024-q3
Well, now it is called Boldin, as outlined on this page:
https://www.boldin.com/retirement/newretirement-is-now-boldin/
Some additional links:
https://www.boldin.com/retirement/newretirement-vs-best-retirement-planning/
https://www.financialsamurai.com/boldin-financial-planner-review/
https://help.boldin.com/en/articles/9615105-general-inflation-rates-and-social-security
https://www.boldin.com/retirement/how-to-plan-for-inflation-in-your-long-term-financial-projections/
https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
https://fred.stlouisfed.org/seriesBeta/CPIAUCSL#0
https://inflationdata.com/Inflation/Inflation/DecadeInflation.asp
https://www.jpmorgan.com/insights/outlook/economic-outlook/fed-meeting-june-2024
https://www.jpmorgan.com/insights/outlook/economic-outlook/fed-meeting-december-2024
https://youtu.be/UybX9ke6XUw?si=7N5qdQMn6kktnDCt
https://youtube.com/playlist?list=PLXKHy3kW_swgodl1KeN89ZFIV4-_zuAKK&si=Emrto2DuCL0nk7jU
https://www.etfrc.com/funds/overlap.php
https://www.bogleheads.org/wiki/Approximating_total_stock_market
https://www.bogleheads.org/forum/viewtopic.php?t=446277
https://www.investopedia.com/articles/investing/122315/vti-vanguard-total-stock-market-etf.asp
https://investor.vanguard.com/investment-products/etfs/profile/vti
https://www.morningstar.com/etfs/xmex/vti/portfolio
https://institutional.vanguard.com/investments/product-details/fund/0970
https://www.morningstar.com/funds/how-choose-an-index-fund
https://www.morningstar.com/funds/best-index-funds
https://www.morningstar.com/business/insights/blog/funds/active-vs-passive-investing
https://www.ici.org/news-release/24-news-expense-ratio-decline
https://www.financial-planning.com/news/dimensional-fund-advisors-studies-index-funds-costs
https://help.boldin.com/en/articles/10471996-how-do-i-opt-in-to-boldin-s-beta-testing-program
https://corporate.vanguard.com/content/corporatesite/us/en/corp/vemo/vemo-return-forecasts.html
https://www.morningstar.com/portfolios/bucket-approach-building-retirement-portfolio
Plus see my new Spreadsheet for 2025
https://youtu.be/IsihQxmLLAs (Be sure to see this next video for math fixes
(also shared new spreadsheet with personal inflation calculator)
https://sites.google.com/view/iwasretired/resources/spreadsheets
See Roth Conversion Playlist: https://www.youtube.com/playlist?list=PLXKHy3kW_swj9uyZK2OQQ5CVo-1ZcrE3X
https://www.morningstar.com/portfolios/portfolio-diversification-answers-your-questions
https://www.morningstar.com/portfolios/morningstars-guide-diversification
https://help.boldin.com/en/articles/6340910-modeling-the-tax-cuts-and-jobs-act-of-2017
https://www.irs.gov/help/ita/are-my-social-security-or-railroad-retirement-tier-i-benefits-taxable
https://www.kff.org/tracking-the-medicaid-provisions-in-the-2025-budget-bill/
https://tipswatch.com/2025/06/14/coming-tuesday-reopening-auction-of-a-5-year-tips/
https://www.sca.isr.umich.edu/
https://www.newyorkfed.org/microeconomics/sce
https://www.npr.org/2025/06/18/nx-s1-5436828/social-security-benefits-cut-congress
https://www.npr.org/2025/06/12/nx-s1-5401054/trump-social-security-claims
https://x.com/i/grok/share/0j2JJbX09HN48iorHzODsm57e
https://my.morningstar.com/my/news/155985/how-much-inflation-protection-do-you-need.aspx
https://www.schwab.com/learn/story/tips-and-inflation-what-to-know-now
https://www.morningstar.com/funds/ladder-up-investors-should-reconsider-how-they-use-tips-funds
https://finance.yahoo.com/quote/VTIP/history/
https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/
https://investor.vanguard.com/etf/profile/VTIP
https://sites.google.com/view/iwasretired/resources/spreadsheets
https://turbotax.intuit.com/tax-tips/general/taxes-2021-7-upcoming-tax-law-changes/L3xFucBvV
https://thefinancebuff.com/social-security-taxed-2025-trump-tax-law.html
https://tipswatch.com/2025/07/05/no-tax-on-social-security-benefits-not-quite-true/
https://help.boldin.com/en/articles/11708904-faq-on-monte-carlo-updates
https://www.reddit.com/r/Boldin/comments/1lqb7dd/sudden_change_in_chance_of_success/
https://www.reddit.com/r/Boldin/comments/1lul0gn/boldin_monte_carlo_calculation_improvement/
https://www.boldin.com/retirement/financial-optimism-pessimism/
Rob Berger’s Live Q&A began with discussion of Boldin’s Monte Carlo issue
https://www.youtube.com/live/Rt6qKPfM6lg?si=Esr31GpUZmBhgSlc
WSJ articles on forced early retirement:
Ben Carlson blog with Warren Buffet story:
https://awealthofcommonsense.com/2025/07/the-ovarian-lottery/
Advice for Gen Xers from a Boomer
https://ca.news.yahoo.com/trumps-body-language-during-awkward-231428531.html
https://www.stlouisfed.org/on-the-economy/2014/september/a-history-of-fomc-dissents
https://www.aol.com/finance/recession-proof-retirement-195114581.html
https://www.sca.isr.umich.edu/
https://www.newyorkfed.org/microeconomics/sce
https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in 2026/
https://www.healthcaredive.com/news/medicare-part-d-plan-premiums-increase-2026-cms/756211/
https://www.healthcaredive.com/news/medicare-advantage-contraction-health-insurer-q2-2025/756807/
https://www.telosactuarial.com/blog/2025-q3-medsupp-rate-actions
https://www.kff.org/medicare/issue-brief/medicare-advantage-enrollment-update-and-key-trends/
https://crr.bc.edu/medicare-finances-a-perspective-on-the-2025-trustees-report/
https://socialsecurityreport.org/medicare-part-b-and-the-hold-harmless-rule/
https://www.thestreet.com/retirement/retired-workers-to-see-shocking-change-to-medicare-in-2026
https://sites.google.com/view/iwasretired/spreadsheets
- Recent Articles on Roth Conversions After OBBBA:
- https://www.kiplinger.com/retirement/roth-conversions-2025-obbba-impact
- https://www.forbes.com/sites/roth-conversions-senior-bonus-deduction
Prior Video on Boldin: https://youtu.be/4AGjeaZjzAY-
Prior Video on Senior Bonus Deduction: https://youtu.be/GjQphSWiRKU-
Follow me on X (Twitter): https://x.com/IWasRetired
Grok AI by xAI: https://grok.x.ai/
https://www.brookings.edu/articles/who-has-to-leave-the-federal-reserve-next-2/
https://www.congress.gov/crs-product/R48233
https://thehill.com/homenews/5471841-trump-fires-fed-board-member/
https://www.axios.com/2025/08/26/lisa-cook-federal-reserve-trump
Check out my Fed Playlist for more: https://www.youtube.com/playlist?list=PLXKHy3kW_swgNAdzQpPcBCzWXQpx1l3Xz
Please be sure to let me know of any broken links and I'll try to repair them.