>>Well then, my fiance and I are sunk. I had head injury ten years ago. Started working again recently. both 47 and 48 respectively.<<
Getting married may or may not help your situation fiscally. Until recent events there would be a moral issue but since marriage is open for any number of people of any sex or gender it has lost its moral value.
>>200k in 401k. combined SS will be about 3500.<<
Pretty good, considering 50% of Americans don’t have a penny saved. You are young — keep contributing to your 401K and take advantage of the 50-YO “catch up” in a few years. Slow and steady gets it done.
>>dont own.<<
Own v. rent isn’t as easy a decision as it used to be. Run the numbers assuming you live to 90 or so. But do NOT put your 401K money into a house.
>>No kids because i was an idiot and wanted to wait will we were secure. stupid modern thinking.<<
No kids here either — a different kind of idiocy as I spent a decade between a bad marriage that thankfully produced no progeny and a good marriage too late to do so.
>>i dont want any assistance and it’s my bed. i’ll sleep in it.<<
Remember — you put into SS at the point of a gun. It is YOURS to recoup. I just question whether it will be there when we need it.
You have a great foundation already — run some spreadsheets, listen to Dave Ramsey (call him if you can). You are not screwed at all: you are quite blessed.
Do the math and I think you will see what you need, then project based on various investment alternatives.
BTW: I am only able to do what I can b/c I do without a LOT since I didn’t store away anything during my best earning years.
I was the true idiot in this conversation :)
I’m strong competition for the spot :)
Fiance moved in because I was too sick to take care of myself. for years.
wont get more personal than that on FR but trust me, hanky panky was NOT on my mind at the time. Using my left side and getting rid of horrific pain were :)
And a few other things i wont mention :)
on a serious note, 300k soldiers are going through worse head injuries that mine. WTH!!!
#... the jihadi “refugees” and put the money toward rapid advancements in brain injury treatment. For our soldiers.
Take welfare and snap towards it too since i saw in my cab most are used for sex and drugs.
snap cards are sold at a 50 percent discount to buy narcotics.
I’m strong competition for the spot :)
Fiance moved in because I was too sick to take care of myself. for years.
wont get more personal than that on FR but trust me, hanky panky was NOT on my mind at the time. Using my left side and getting rid of horrific pain were :)
And a few other things i wont mention :)
on a serious note, 300k soldiers are going through worse head injuries that mine. WTH!!!
#... the jihadi “refugees” and put the money toward rapid advancements in brain injury treatment. For our soldiers.
Take welfare and snap towards it too since i saw in my cab most are used for sex and drugs.
snap cards are sold at a 50 percent discount to buy narcotics.
I’m strong competition for the spot :)
Fiance moved in because I was too sick to take care of myself. for years.
wont get more personal than that on FR but trust me, hanky panky was NOT on my mind at the time. Using my left side and getting rid of horrific pain were :)
And a few other things i wont mention :)
on a serious note, 300k soldiers are going through worse head injuries that mine. WTH!!!
#... the jihadi “refugees” and put the money toward rapid advancements in brain injury treatment. For our soldiers.
Take welfare and snap towards it too since i saw in my cab most are used for sex and drugs.
snap cards are sold at a 50 percent discount to buy narcotics.