# Retirement **URL:** https://community.clark.com/c/retirement/12.md?page=1 [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) **Page:** 2 --- ## [Budgeting Tool: has anyone used "Retirement Budget Calculator"](https://community.clark.com/t/budgeting-tool-has-anyone-used-retirement-budget-calculator/2023)
**Author:** [@PFA\_in\_ATL](https://community.clark.com/u/PFA_in_ATL)\ **Replies:** 3\ **Last updated:** [December 9, 2024, 4:21pm UTC](https://community.clark.com/t/budgeting-tool-has-anyone-used-retirement-budget-calculator/2023 "2024-12-09T16:21:22Z")
Budgeting Tool: has anyone used “Retirement Budget Calculator” https://retirementbudgetcalculator.com? I understand it recently won an award for best budgeting software/calculator. I am playing with the free version, and… --- ## [An unconventional retirement portfolio which has a good long track record for retirement distributions](https://community.clark.com/t/an-unconventional-retirement-portfolio-which-has-a-good-long-track-record-for-retirement-distributions/492)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 3\ **Last updated:** [December 7, 2024, 7:32pm UTC](https://community.clark.com/t/an-unconventional-retirement-portfolio-which-has-a-good-long-track-record-for-retirement-distributions/492 "2024-12-07T19:32:15Z")
Harry Browne’s Permanent Portfolio is backtested to 1978, and you can reliable pull more distributions from that type of portfolio as compared to the standard 60% stock /40% bond portfolio. It’s very simple… 25% each to… --- ## [Proposed head of Medicare / Medicaid in favor of Medicare Advantage](https://community.clark.com/t/proposed-head-of-medicare-medicaid-in-favor-of-medicare-advantage/6561)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 0\ **Last updated:** [November 21, 2024, 2:57pm UTC](https://community.clark.com/t/proposed-head-of-medicare-medicaid-in-favor-of-medicare-advantage/6561 "2024-11-21T14:57:05Z")
Dr. Oz, the person tapped to be the new head of Medicare / Medicaid is a big advocate of Medicare Advantage and has stated publicly in the past support for a concept called “Medicare Advantage for All”. As someone retir… --- ## [Can this be changed?](https://community.clark.com/t/can-this-be-changed/6555)
**Author:** [@lori150](https://community.clark.com/u/lori150)\ **Replies:** 0\ **Last updated:** [November 20, 2024, 9:01pm UTC](https://community.clark.com/t/can-this-be-changed/6555 "2024-11-20T21:01:47Z")
I have a QRDO from my divorce. I was planning to start taking the pension at retirement age of 65. My husband since died. I’m the administrator on his estate. I called about his part of the pension. I was told that … --- ## [How to flee Medicare Advantage... would this work?](https://community.clark.com/t/how-to-flee-medicare-advantage-would-this-work/6467)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 9\ **Last updated:** [November 15, 2024, 2:09pm UTC](https://community.clark.com/t/how-to-flee-medicare-advantage-would-this-work/6467 "2024-11-15T14:09:17Z")
I’m not in Medicare yet, but I’m aware that Medicare Advantage can become like Hotel California for some - you can check out any time you like, but you can never leave. So hear me out… Maine, New York, Connecticut, Mass… --- ## [401K VS Regular Account](https://community.clark.com/t/401k-vs-regular-account/5242)
**Author:** [@marcinflorida](https://community.clark.com/u/marcinflorida)\ **Replies:** 3\ **Last updated:** [May 22, 2024, 8:25pm UTC](https://community.clark.com/t/401k-vs-regular-account/5242 "2024-05-22T20:25:07Z")
I’m 62 and looking to retire in 3 years. I want to be able to buy a house for cash or at least put-down half when I retire. I’ve been selling off the mutual funds that I purchased over 20 years ago from my taxable acco… --- ## [Withdrawing a Roth contribution made for this year](https://community.clark.com/t/withdrawing-a-roth-contribution-made-for-this-year/5238)
**Author:** [@imaclarkguy](https://community.clark.com/u/imaclarkguy)\ **Replies:** 1\ **Last updated:** [May 21, 2024, 10:40pm UTC](https://community.clark.com/t/withdrawing-a-roth-contribution-made-for-this-year/5238 "2024-05-21T22:40:01Z")
Given that I’m a Clark guy, no surprise I’m a Roth IRA fan. Question: Can I take out the $5,000 I put in earlier this year and replace it if I put it back in by April 15 of next year? I know you can take money you’ve … --- ## [When to start reducing contribution into retirement accounts?](https://community.clark.com/t/when-to-start-reducing-contribution-into-retirement-accounts/5467)
**Author:** [@Yeungfamily](https://community.clark.com/u/Yeungfamily)\ **Replies:** 5\ **Last updated:** [June 11, 2024, 6:49pm UTC](https://community.clark.com/t/when-to-start-reducing-contribution-into-retirement-accounts/5467 "2024-06-11T18:49:13Z")
Hi all, I wanted to get you opinions and advice. Currently 40, have about $2m in retirement account another $1m equity in houses, $500k cash savings. When do you feel its enough to start reducing the amount we contribut… --- ## [I am eligible for medicare in 2025 and there are so many option plans A-N, what is the best one to take](https://community.clark.com/t/i-am-eligible-for-medicare-in-2025-and-there-are-so-many-option-plans-a-n-what-is-the-best-one-to-take/4438)
**Author:** [@westerlunda31](https://community.clark.com/u/westerlunda31)\ **Replies:** 16\ **Last updated:** [August 16, 2024, 11:47pm UTC](https://community.clark.com/t/i-am-eligible-for-medicare-in-2025-and-there-are-so-many-option-plans-a-n-what-is-the-best-one-to-take/4438 "2024-08-16T23:47:19Z")
I am confused on all of the plans available for medicare, can someone create a clear view of the options and what they represent. I am eligible next year 2025 and wanted to better understand all of the options and thei… --- ## [Taking a new job with a 403(b)](https://community.clark.com/t/taking-a-new-job-with-a-403-b/5512)
**Author:** [@CHRISTOPHER\_NORMAN](https://community.clark.com/u/CHRISTOPHER_NORMAN)\ **Replies:** 1\ **Last updated:** [August 7, 2024, 8:21pm UTC](https://community.clark.com/t/taking-a-new-job-with-a-403-b/5512 "2024-08-07T20:21:25Z")
Hello, I am about to start a career at our county after being in the private sector for 5 years. I believe Clark has talked about this in the past but the priority for investments is different for a 403(b) compared to a… --- ## [What Are Your Challenges in Retirement?](https://community.clark.com/t/what-are-your-challenges-in-retirement/2776)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 21\ **Last updated:** [July 25, 2024, 4:29pm UTC](https://community.clark.com/t/what-are-your-challenges-in-retirement/2776 "2024-07-25T16:29:58Z")
Retirement comes with its own set of challenges. Which ones are you (or a family member) experiencing? If looking ahead, do you foresee any challenges? Tell us what you’re doing to resolve them! --- ## [What are Nursing Home rights/vs POA rights?](https://community.clark.com/t/what-are-nursing-home-rights-vs-poa-rights/5746)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 5\ **Last updated:** [July 19, 2024, 11:49pm UTC](https://community.clark.com/t/what-are-nursing-home-rights-vs-poa-rights/5746 "2024-07-19T23:49:20Z")
Family member is POA for 93 yo friend who went to Nursing Home (NH) in Marine CA r/t falls. He has dementia, but remembers family. Patient wrote POA 20 or so years ago, giving family member his condo in a marginal ne… --- ## [How much taxable money to keep around in early retirement?](https://community.clark.com/t/how-much-taxable-money-to-keep-around-in-early-retirement/5624)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 4\ **Last updated:** [July 18, 2024, 4:57pm UTC](https://community.clark.com/t/how-much-taxable-money-to-keep-around-in-early-retirement/5624 "2024-07-18T16:57:29Z")
It occurs to me that if I were to spend down my taxable money in early retirement, which makes sense from a certain present-day tax-minimization point of view, I could run into problems if I needed or wanted money… becau… --- ## [HSAs blow my mind](https://community.clark.com/t/hsas-blow-my-mind/5534)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 3\ **Last updated:** [June 25, 2024, 11:54pm UTC](https://community.clark.com/t/hsas-blow-my-mind/5534 "2024-06-25T23:54:35Z")
I have learned from surfing around that I can reimburse myself from my HSA at any point in the future based on any past eligible health expenditure that has taken place since the HSA ever existed. That blew my mind. I s… --- ## [401k from Old Job](https://community.clark.com/t/401k-from-old-job/3422)
**Author:** [@DBCooper](https://community.clark.com/u/DBCooper)\ **Replies:** 7\ **Last updated:** [April 29, 2024, 12:26pm UTC](https://community.clark.com/t/401k-from-old-job/3422 "2024-04-29T12:26:57Z")
My wife left her job to be a stay at home mom. I’m not sure what to do with the 401k from her employer. Do I leave it where it is? Should I roll it over into a Traditional Roth? Is there anyway to roll it to a spousa… --- ## [WMAR-2 News: "Social Security cuts woman’s benefits due to overpayment to her deceased brother"](https://community.clark.com/t/wmar-2-news-social-security-cuts-woman-s-benefits-due-to-overpayment-to-her-deceased-brother/4821)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 1\ **Last updated:** [April 1, 2024, 5:40pm UTC](https://community.clark.com/t/wmar-2-news-social-security-cuts-woman-s-benefits-due-to-overpayment-to-her-deceased-brother/4821 "2024-04-01T17:40:20Z")
--- ## [Moving Roth IRA to Robinhood IRA](https://community.clark.com/t/moving-roth-ira-to-robinhood-ira/4640)
**Author:** [@Sky\_Fall](https://community.clark.com/u/Sky_Fall)\ **Replies:** 10\ **Last updated:** [March 25, 2024, 5:30pm UTC](https://community.clark.com/t/moving-roth-ira-to-robinhood-ira/4640 "2024-03-25T17:30:51Z")
Robinhood offering a 3% transfer. What is the disadvantage of this move? I have 80K on Vanguard Target fund 2045. I am sure I am not going to move around in next 5 years. What am I missing? --- ## [Considering Dipping into my 457 Early to Purchase Additional Home](https://community.clark.com/t/considering-dipping-into-my-457-early-to-purchase-additional-home/4591)
**Author:** [@NorCalSkinny](https://community.clark.com/u/NorCalSkinny)\ **Replies:** 5\ **Last updated:** [March 7, 2024, 10:39pm UTC](https://community.clark.com/t/considering-dipping-into-my-457-early-to-purchase-additional-home/4591 "2024-03-07T22:39:13Z")
I’m in California and had been considering that we may move to a cheaper state for retirement. Things changed during the pandemic, I lost my job earlier than I expected but I gathered 23 years of government savings plans… --- ## [401k vs IRA --- Traditional vs. Roth](https://community.clark.com/t/401k-vs-ira-traditional-vs-roth/4158)
**Author:** [@udflyerfan](https://community.clark.com/u/udflyerfan)\ **Replies:** 11\ **Last updated:** [January 14, 2024, 10:07pm UTC](https://community.clark.com/t/401k-vs-ira-traditional-vs-roth/4158 "2024-01-14T22:07:16Z")
Hello, I wanted to get everyone’s professional opinion. This board has been very informative and helpful over the years. I currently contribute to my 401k (mostly Roth 401k), but I don’t max it out. My wife and I als… --- ## [I'm seeing lots of posts at Fidelity and Schwab sub-Reddits about people closing IRAs because of crisis](https://community.clark.com/t/im-seeing-lots-of-posts-at-fidelity-and-schwab-sub-reddits-about-people-closing-iras-because-of-crisis/3835)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 3\ **Last updated:** [November 13, 2023, 9:56pm UTC](https://community.clark.com/t/im-seeing-lots-of-posts-at-fidelity-and-schwab-sub-reddits-about-people-closing-iras-because-of-crisis/3835 "2023-11-13T21:56:58Z")
It seems that a number of people who opened IRAs and Roth IRAs recently are having crises… can’t pay the bills or they lost their income, so they are asking for help on closing their retirement accounts. Reddit tends to … --- ## [Cal Strs Pension plus how much more?](https://community.clark.com/t/cal-strs-pension-plus-how-much-more/1677)
**Author:** [@Mckrypto1](https://community.clark.com/u/Mckrypto1)\ **Replies:** 2\ **Last updated:** [November 12, 2023, 6:00am UTC](https://community.clark.com/t/cal-strs-pension-plus-how-much-more/1677 "2023-11-12T06:00:02Z")
How much should California teachers be putting into a 403b/Ira, since we also get a pension? I’m looking for a percent (not including the 10.25% we our required to contribute to a pension) --- ## [Social security advocate](https://community.clark.com/t/social-security-advocate/3780)
**Author:** [@LG007](https://community.clark.com/u/LG007)\ **Replies:** 9\ **Last updated:** [November 8, 2023, 5:14pm UTC](https://community.clark.com/t/social-security-advocate/3780 "2023-11-08T17:14:42Z")
I keep getting letters saying the state of Ga will no longer pay for my medicare part b…which I don’t understand, thought ss was a federal program. Also don’t understand why . Do I need to change something on my plan.?I … --- ## [At 53, how do we invest our Roth $'s safely?](https://community.clark.com/t/at-53-how-do-we-invest-our-roth-s-safely/3661)
**Author:** [@mary896](https://community.clark.com/u/mary896)\ **Replies:** 25\ **Last updated:** [November 2, 2023, 1:33pm UTC](https://community.clark.com/t/at-53-how-do-we-invest-our-roth-s-safely/3661 "2023-11-02T13:33:01Z")
Hello Clarkies! Yes, my husband and I were young and stupid when the stock market crashed 2 decades ago. We freaked and took our meager bucks out and put it in CDs. I know, really stupid!!! But we did buy properties … --- ## [What to do after maxing out](https://community.clark.com/t/what-to-do-after-maxing-out/3313)
**Author:** [@MaryVick](https://community.clark.com/u/MaryVick)\ **Replies:** 7\ **Last updated:** [August 27, 2023, 9:04pm UTC](https://community.clark.com/t/what-to-do-after-maxing-out/3313 "2023-08-27T21:04:43Z")
Good Morning! Looking for some advice and not finding much when Googling My husband and I make a combined income of $278k (gross). Since we are behind on retirement I would like to save 25% of our gross or $69500. If… --- ## [The 4% rule becomes the 3% rule (as if you needed this bad news)](https://community.clark.com/t/the-4-rule-becomes-the-3-rule-as-if-you-needed-this-bad-news/491)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 8\ **Last updated:** [August 23, 2023, 8:57pm UTC](https://community.clark.com/t/the-4-rule-becomes-the-3-rule-as-if-you-needed-this-bad-news/491 "2023-08-23T20:57:29Z")
Because of the risks facing a fully-valued stock market after a dramatic 13 year long rise from the March 2009 low, and due to the rise of inflation, and because bonds are getting hit due to rising interest rates, a coup… --- ## [Social Security - Claiming Half of Spouse's](https://community.clark.com/t/social-security-claiming-half-of-spouses/2949)
**Author:** [@mimi1956](https://community.clark.com/u/mimi1956)\ **Replies:** 4\ **Last updated:** [June 15, 2023, 5:38pm UTC](https://community.clark.com/t/social-security-claiming-half-of-spouses/2949 "2023-06-15T17:38:58Z")
Hello all. I recently read in a somewhat outdated book about retirement that claiming half of the higher earning spouse’s social security is capped at their full retirement age amount, which for us is 66 & 4 months. I … --- ## [63, IRA stalled - what to do?](https://community.clark.com/t/63-ira-stalled-what-to-do/2844)
**Author:** [@unixfreak](https://community.clark.com/u/unixfreak)\ **Replies:** 5\ **Last updated:** [May 22, 2023, 6:05pm UTC](https://community.clark.com/t/63-ira-stalled-what-to-do/2844 "2023-05-22T18:05:23Z")
Greetings, Been a while since I posted here… so long that I had to create a new account. Here’s the deal - I’ve got an IRA that’s a little more than a half a mil, it’s been stalled out for a few years. It’s a balanced … --- ## [% for 401k contribution](https://community.clark.com/t/for-401k-contribution/2796)
**Author:** [@udflyerfan](https://community.clark.com/u/udflyerfan)\ **Replies:** 2\ **Last updated:** [May 13, 2023, 5:44pm UTC](https://community.clark.com/t/for-401k-contribution/2796 "2023-05-13T17:44:06Z")
Is there too much someone can contribute to their 401k? Currently I have about 1.85M saved in retirement and no debt (we paid off the house two years ago). We currently make 158k per year. I contribute 20% (5% traditi… --- ## [What inflation rate to use for my retirement planning tool?](https://community.clark.com/t/what-inflation-rate-to-use-for-my-retirement-planning-tool/2720)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 6\ **Last updated:** [May 1, 2023, 10:36pm UTC](https://community.clark.com/t/what-inflation-rate-to-use-for-my-retirement-planning-tool/2720 "2023-05-01T22:36:34Z")
I use Flexible Retirement Planner. It’s great. The default inflation rate is 3%. The current 5, 10, 20, and 30 year TIPS breakeven inflation rates are all below 3%. However… I just have a feeling I might just get screwed… --- ## [How Do You Save Money in Retirement?](https://community.clark.com/t/how-do-you-save-money-in-retirement/2697)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 0\ **Last updated:** [April 26, 2023, 5:45pm UTC](https://community.clark.com/t/how-do-you-save-money-in-retirement/2697 "2023-04-26T17:45:24Z")
If you’re living on a fixed income or worried about how long your retirement nest egg will last, it’s important to maintain an emphasis on saving money. What are ways to spend less and save more in retirement? [Previous page](https://community.clark.com/c/retirement/12.md) [Next page](https://community.clark.com/c/retirement/12.md?page=2)