Questions tagged [retirement]
This tag should be used for any questions related to retirement or post-retirement, such as planning or saving for retirement, or asking about benefits or issues after retirement.
722 questions
4
votes
2
answers
478
views
Rule of 55 with a 401(k) plan with mixed Roth and 401k contributions
In my current employer's 401(k) plan, I began with traditional 401k deferred taxation contributions. A few years ago realizing how much deferred taxes I was building up (and with a change where ...
- 8,469
6
votes
2
answers
2k
views
Can company choose not to pay for my "retirement" account even though I worked all of 2025?
The company I work (a fortune 50 company) for can't offer their local employees a proper retirement account (i.e. 401k) since the local office doesn't have enough employees for this (supposedly more ...
- 161
3
votes
2
answers
1k
views
Should my mother in law get a reverse mortgage for income and fund a Roth IRA?
My MIL is 70yo and has zero savings for retirement. She is widowed and receives social security. She owns her home, approx $400k net worth. She has 1 son. We want her to use the equity in her home to ...
2
votes
2
answers
298
views
What role does the impact of inflation have on retirement planning?
I frequently hear it said that the percentage we make on our investments slated for retirement is directly undercut by inflation numbers, and that we should outpace inflation by a reasonable margin. ...
- 535
5
votes
2
answers
670
views
Can you withdraw Roth contributions tax- and penalty-free from a 403(b), like from a Roth IRA?
A well-known feature of a Roth IRA is that your contributions (but not their earnings) can be withdrawn at any time without paying any taxes or penalties, even before age 59 1/2. The logic behind ...
- 7,121
3
votes
2
answers
2k
views
Do coast FIRE calculations apply only to the individual?
I just learned about the Coast FIRE strategy for retirement from a friend. One thing I couldn't ascertain is how it considers married filing jointly with single earner situations where the couple is ...
- 2,099
0
votes
3
answers
433
views
In the US, everything in the Roth IRA or Roth 401k will be tax free for life?
I was looking at the situation if an account has $500k of SCHD. It can fetch about $17k of dividend per year.
So it led me to think, if I have 3 times of that, it'd mean I can get about $51k dividend ...
- 1,391
-2
votes
2
answers
224
views
For US taxes, is there any tax for Federal or California if I retire at 62 and sell $20,000 worth of stock and have no other income?
I always thought if my income (including capital gain) is about $20,000, then there will be no federal tax and no California tax.
I was planning to retire at age 62, and claim retirement benefits at ...
- 1,391
4
votes
2
answers
1k
views
What are the implications of investing in a 401k as a non-US citizen who may eventually leave the country?
I have a question about 401k distributions for non citizens. If I understand that the 401k allows us to contribute money pretax, Roth, and after tax (the latter 2 being after tax). For a non US ...
- 163
3
votes
1
answer
254
views
Should I Move Retirement Accounts If I Leave a Company? [duplicate]
I realized that I have multiple retirement accounts from past employers. They each have some money in them, but I suspect they'll never really increase much because I'm not putting any new money into ...
- 133
0
votes
1
answer
151
views
How to interpret the Medicare and Social Security earnings amounts on the ssa.gov portal?
I switched to a new employer last year. On the ssa.gov portal, the amount in 2024 for my "Social Security Earnings" (say, x) is shown to be the same as my "Medicare Earnings" (say, ...
- 312
3
votes
0
answers
103
views
What is the definition of "first year" or "grace year" in SSA lingo?
SSA documents refer to first year or grace year when special rules for retirement benefits apply, e.g. maximum 15 hours of work monthly for a professional to be considered retired. Do they refer to ...
- 131
4
votes
3
answers
2k
views
How to minimize tax when investing in a long term S&P 500 ETF?
While talking to an investment firm's advisor, she said that even if we invest in IVV, there is a rough 0.4% of the ETF "rebalancing" the money throughout the year, and so that will be ...
- 1,391
8
votes
3
answers
6k
views
Methods to reduce the tax burden on dividends?
I have enough dividend income that taxes are now significant. Everything is currently reinvested, and I don't plan to start using funds for personal use for another ten years or so. At a high level, ...
- 189
0
votes
0
answers
66
views
Is there a general guideline for how much to put in annuities? [duplicate]
A google search, and the wonderful AI that answers questions now, 20%-40% is the answer that spits out, which is - generally about what I think. But 20%-40% is a fairly broad range.
I'm talking about ...
- 101