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LoveNotHate
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22 Jan 2019, 10:42 am

BTDT wrote:
The big uncertainty is health care insurance. I have no idea what that will cost in ten years.

Strategically structure your finances to make you appear poorer on paper?

That's my plan.

ROTH 401k
Roth IRA
Gold & Silver
(Also, I don't qualify, however, the 6500 standard IRA deduction could help you reduce your income in a year)

Then you may qualify for government programs because you appear poor on paper, and they don't ask about assets.


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kraftiekortie
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22 Jan 2019, 10:47 am

$9,000 a year is about $750 a month----pretty good!

I will always have to pay over $1,000 a month for things until the day I die.



RetroGamer87
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22 Jan 2019, 10:22 pm

Ask yourself if you'll enjoy retirement. Will you be bored?


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auntblabby
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22 Jan 2019, 11:41 pm

AFAIC, anybody who gets bored in retirement is a dim bulb with no imagination whatsoever.



BTDT
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23 Jan 2019, 10:58 am

Sewing, gardening, cooking, shopping at thrift stores. They all don't cost much money.
They are a lot less stressful than working.



auntblabby
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23 Jan 2019, 10:29 pm

i'd never have time for the audio restoration work I do now if I was still in the rat race.



BTDT
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25 Jan 2019, 1:08 pm

Working on audio restoration sounds like a cool hobby!

I could turn my entire yard into a flower garden that would bloom all season long if I wasn't working a full time job.



auntblabby
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25 Jan 2019, 10:59 pm

BTDT wrote:
Working on audio restoration sounds like a cool hobby!

I could turn my entire yard into a flower garden that would bloom all season long if I wasn't working a full time job.

a perseverative hobby for me since the 90s :dj: would you have one of those English gardens? :flower: :flower:



BTDT
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26 Jan 2019, 10:15 am

My yard has the makings of a cottage garden, but lately I'm just been spending time on the plants and not enough time on the fencing and furniture. It certainly has the variety one would expect.



auntblabby
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27 Jan 2019, 4:06 am

BTDT wrote:
My yard has the makings of a cottage garden, but lately I'm just been spending time on the plants and not enough time on the fencing and furniture. It certainly has the variety one would expect.

mebbe you'd be better off working your plants in a greenhouse?



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27 Jan 2019, 6:43 pm

Greenhouses are used around here to either propagate plants or grow tropical plants. I'm already propagate a lot of plants without a greenhouse. It just takes a longer but I have the patience. It is nice to have a little vacation from the gardening to work on the house.



kokopelli
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27 Jan 2019, 7:17 pm

My plans are to not retire before I'm 100.

If I can manage that, it means two very important things:

1) I live to the age of 100, and
2) I'm in good enough health to keep working.



auntblabby
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27 Jan 2019, 8:12 pm

kokopelli wrote:
My plans are to not retire before I'm 100.

If I can manage that, it means two very important things:

1) I live to the age of 100, and
2) I'm in good enough health to keep working.

no offense, but do you not have any hobbies that you wish you could spend more time on?



kokopelli
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27 Jan 2019, 8:18 pm

auntblabby wrote:
kokopelli wrote:
My plans are to not retire before I'm 100.

If I can manage that, it means two very important things:

1) I live to the age of 100, and
2) I'm in good enough health to keep working.

no offense, but do you not have any hobbies that you wish you could spend more time on?


Hobbies like Bicycle Racing, Cliff Diving, Base Parachuting, and Big Game Hunting?



auntblabby
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27 Jan 2019, 8:23 pm

kokopelli wrote:
auntblabby wrote:
kokopelli wrote:
My plans are to not retire before I'm 100.

If I can manage that, it means two very important things:

1) I live to the age of 100, and
2) I'm in good enough health to keep working.

no offense, but do you not have any hobbies that you wish you could spend more time on?


Hobbies like Bicycle Racing, Cliff Diving, Base Parachuting, and Big Game Hunting?

don't you wanna do those full-time?



kokopelli
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27 Jan 2019, 8:27 pm

Seriously, I would really like something like this:

https://www.viator.com/tours/Banff/6-Day-Cascade-Valley-Backcountry-Tent-Trip-by-Horseback/d611-12217P12:

Quote:
On this adventure you’ll spend five nights at the Stoney Creek and Flint's Park Campsites - well-equipped campsites with warmed tents. Your days will be spent exploring on horseback and your evenings relaxing by the fire, sharing a delicious hearty meal and great conversation with your fellow riders.

Day 1: Backcountry Ride to Stoney Creek Campsite The adventure begins at Warner Stables at 8:30am. (There’s free parking at the stables and it’s fine to leave your vehicle for the duration of the tour.) We’ll hand out the slickers and saddle bags and you will leave all of your gear with the guides. A separate team of horses will safely deliver your belongings to the camp for you so that you can ride unencumbered. Once you’ve met your friendly guide and your trusty horse, you’ll mount up for the ride to Stoney Creek Campsite passing through the cool, craggy peaks of Brewster Mountain and Cascade Mountain.

After a hot shower, enjoy a feast of hearty, homemade cowboy cuisine in the main kitchen tent and relax around the fire to watch the stars and share stories. Then, it’s time to curl up in your sleeping bag in your warmed canvas tent with cot and thermarest.

Day 2: Ride to Flint's Park Campsite Mount up and ride the 10 miles to Flint’s Park Camp, with a stop for lunch on the banks of Cascade River. This stunning camp is one of the highlights of the trip, located in the fertile valley bottom with an open, grassy ridge providing sweeping views of the awe-inspiring Rocky Mountains.

Day 3: Explore the Area Near Flint's Park Campsite There are many beautiful points of interest accessible from Flint’s Park - including Block Mountain and Cuthead Viewpoint. Your guide will create a customized ride for your group, tailored to your interests and experience.

Day 4: Explore the Area Near Flint's Park Campsite Your second full day gives you another opportunity to explore the area with a backcountry day ride. After breakfast you’ll saddle up and explore a new trail with a casual picnic lunch along the way.

Day 5: Ride to Stoney Creek Campsite Ride 10 miles along a different river trail route on your return to Stoney Camp, stopping for lunch on the banks of the Cascade River before settling back into this familiar campsite.

Day 6: Return to Warner Stables Mount up for the 13 mile ride through the stunning scenery of Elk Lake Summit which is a highlight of the trip for many. The climb to Elk Lake Summit is jaw-dropping, you’ll be wide-eyed with awe at the larger-than-life mountains with their jagged edges piercing the sky.


Just under $2,000 for the trip.

I could really go for this.