Alight Retirement FedEx This Company is a total fraud I been trying to take out my pension since March have been getting the run around they have made me fax my id holding my picture , a notarized letter my birth certificate my ss card my marriage certificate my bank statement and they still have my account looked Alight FedEx retirement I been calling corporate, calli…

Living for Now vs Retirement? I am at a place in life where I am trying to make some big decisions about my future. I am currently a public school teacher. I am considering moving into a new job next year outside of teaching. I have 13 years left before being able to retire as a teacher. I would be under 50. But I don’t know that I can make it that long. If I switch jobs, …

30y.o with No IRA or retirement fund I’ll be receiving bonus of 25k. Any advice on what to do with it? I just got permanent job and just got settled with finances. submitted by /u/Defiant-Candidate-70

Retirement Prep Guides I’m turning 50 next week and starting to think about… starting to think about retirement. Looking for good tools in planning for when I can retire and generally financial strategies for the next 10-15 years. I’m in a pretty decent position financially, have been saving in retirement vehicles and have no debt(except some remaining mortgage). Al…

Invest more for retirement at 55 or save up for a 12 year lease? Hello I am 22 yrs old and I’m planning to move out by 2026. I make 2.3k after taxes and I’m not sure whether to put more money for retirement or have money for renting. I have not lived independently before and I can see myself getting more salary as I gain more experience. What should I do? submitted by /u/Atecno

Early Retirement Seeking Advice I’m looking to retire early. Currently 45yo with about 700k in 401k which I feel will be enough once I hit 60 even if I stop contributing now (assuming 10% return and the economy doesn’t crash). My income after taxes, maxing 401k/hsa, etc. is about 8k/month. The only debts I have are a mortgage at 2k/month with 2% interest rate. After other mont…

Retirement Spending Using Spreadsheet to Estimate Taxes I have a function that calculates FED and STATE income tax amounts based on withdrawal amount from my Traditional IRA. When I input a hypothetical yearly fixed + discretionary spending number (let’s say 100k) the calculation tells me I’ll need $115k to cover taxes on that ordinary income. Since taxes are going to be paid from the IRA, the withdr…

Retirement and debt scenario Settle this argument we are having at work! Would you rather be debt free and own your house with a measly $10k for retirement OR have $50k in miscellaneous debt, owe $150k on the house but have $100k for retirement. Both scenarios have a $90k income at age 45. submitted by /u/verticaltrader

Part of my retirement I worked for a volunteer health agency in the 80’s. By the time I left approximately three years later they had put $600 in TIAA-CREF account. I put most of it in bonds because they were cheap and left it alone. I converted to a 10 year annuity about a year ago with a monthly payment of ~$240. Total value was over $20K. I’m 70 this year. Time is…

Panicking about retirement I’m 34. I make okay money, not quite check to check. I have 0 in savings and 0 in retirement. I’ve been working OT to pay off “bad” debt and will have it paid off in December. After paying off I will have some extra money but not a lot. To open a Roth ira and max 7k/yr is just under $600/month which I simply don’t have or will have until I’m clo…

Taurasi still mulling retirement or 21st season Diana Taurasi is still mulling whether to play another season in the WNBA or retire.

Does it make sense to slow down my retirement contributions? Before you get out the pitch forks, hear me out! Stats: 32(F) Annual income: ~230k, fluctuating between 220-240 depending on stocks 401k balance: 525k HSA: 30k Taxable investments: 43k Cash: 125k (this is a bit high, but I’m about to purchase a new car and pay for a wedding) The past several years I’ve been putting a minimum of the trad 401k c…

Seeking retirement advice I (33M) make about $74k per year and spouse (28F) makes $112k. I currently make an additional $30k per year through a university stipend, but this will end after one more year. So, we will gross around $216k this year. We currently have $62k in HYSAs and $55k in stock ETFs in a taxable brokerage account. For retirement, we have $64k in Roth IRAs…

‘Pretirement’ Can Stress-Test Your Retirement Plans Every plan you’re making for retirement is just a guess until you try it IRL.

Can I move investments from a non-retirement account to a retirement account without a capital gains tax hit? I received $100k 2 years ago after a family member passed away. I was in uni and not working, so I had no earned income and couldn’t put it in a 401k or an IRA. So I just stuck it in a traditional investment account. It’s about $150k now. I don’t plan on touching this money until I retire. I’ve since graduated and am putting $23k into a 401k an…

Retirement calculator/ spreadsheet Hi all, I’m new to this group but it looks to have the most comprehensive resources I can find on the internet. So, hoping you all can help. I am 33 and manage my own finances for myself and my husband. I am pretty regimented. Do budgeting monthly, contribute max to 401k & backdoor Roth, and have a separate investment account. I am looking to f…

How am I doing with retirement? 38yo. No debt besides mortgage. $255k in 401k (mostly Roth contributions). $18k in my Roth IRA. $25k in my wife’s Roth IRA. And $25k in my wife’s old 403b. Only contributing to the Roth 401k right now and maxing it out every year, with a 5% match from my employer. Working to pay off one of my small mortgages (

Retirement planning advice Hi everyone – looking for some advice on retirement planning for my parents They are in their mid-70s and got a bit of a surprise offer to sell a property they own. They decided to take it, use the proceeds to fund their modest retirement. They’re looking at about 750k net after taxes but they’re not sure how to manage it. They have some other r…

40 and no retirement plan I’m 40 years old and I work for a very small flooring company. My boss offers no retirement options or health benefits at all. The company makes a very healthy profit every year and I’m just staying a float. I make $20 a hour and while I do enjoy what I do I also have been told by my boss that in 3 to 5 years I will be making very good money. Th…

Investing/Retirement Books Hi all, I’m looking for good books to read for investing and retirement plans for beginners that break things down. I saw some of the ones on the sidebar, but I wasn’t sure if those were for someone of my level, which is nonexistent. I’m not looking for “Wall Street HATES This One Simple Trick!!11!” type books, or anything trying to sell me on t…