Hey Mosbo , if you downvote me again for joking about signing Boyd, I’ll have Billay break your retired hip!!

Happy retirement brother, hope I can make it one day!!!

Congrats on the retirement! This is my first week and mostly what I am doing is decompressing....enjoying what it is like to not have to manage people or get up early.

Found out that I had forgotten what it was like to not have pressure each day.

Thanks! I’m looking forward to it.

Says the guy who downvoted me because I said the Royals haven't had a major league level team since 2015.

Thanks and I hope you have a happy retirement when that day comes.

Long term care can definitely help—research the companies prior though. Some are better than others. Helps with both full and assisted care, but to differing levels. Understand that even those run out at some point if you live forever (85-90+) and know that the sooner you start, the less expensive the plan. Plan for essentially a car payment, the better plan the more expensive the premium—KIA Forte vs. F250 Raptor (or Mercedes) difference. Depends on where you retire too, though.

My family history suggests I won’t make it to 90, so I if I really wanna live that long I probably need to start soon. On the other hand, tequila, tacos and a special “cocktail” (when the time comes) sounds better than prune juice, baked chicken & steamed broccoli, and green jello…and forgetting my spouse’s name. If they shared a room for that, that sounds par for the course, so they had a decent, though not extragent plan.

How about videos instead? That could be your new retirement hobby, videographer. :LOL:

I remember being in my early 20’s, looked at my check stub and thought of that Social Security money being taken out. Thought I’d never see that money…. May have to retire soon. Never know where life will take you.

Speaking of social security, I guess 30 credits is what is needed to receive benefits/medicare. I checked my account and I have 29/30 credits as most of my 20 year career I didnt pay into SS so I received no credits.

Take a job for six months somewhere at Menards or Lowe’s and you’re good?! That or take spousal benefits from your spouse? ��

lol. My bad!! May have been a sausage-finger moment!! Heh, good catch!!

Yeah...I catch myself doing that also....no harm, no foul.

Plus one time I did it when I was using my new phone and it was still bringing up all the posts....I accidentally negged something I agreed with and felt like a fool.

Wonder if people try to game the system? Put all your assets in only one spouse's name so Medicare doesn't take all your assists before they pay for the assisted living?

Yes. An irrevocable trust is one way. The look-back period varies by state….5 years is common. Most states have exemptions, vehicle, primary residence , etc.

Oh, you have to REALLY trust the trustee. Effectively all the assets put in the trust are controlled by the trustee….and no way to reverse the decisions of the trustee without litigation to prove beach of fiduciary duty.

You can also simply transfer the assets to another person…still subject to look-back period. But if a person intends to leave an asset to a particular person in a will it can be better to transfer title earlier. For instance, you are going to leave the classic car to someone.


https://www.verywellhealth.com/irrev...dicaid-4173386

The look back period is so important and something most people never look at.

That is why I hope that at age 80 I can just go to sleep one night and not wake up. Don't want to put my wife thru the pain of having to put me in a care/memory care place.

I can identify with so much of this. July 1st, it will have been a decade of retirement for us.

Like you mentioned, debt free was number one for us, so we have yet to touch our savings even though inflation has cut it's value in half.

I learned after a couple years it had been me creating my own stress in life, and it has not changed.

Like you mentioned, you are doing your own shit and I have a ton of it to do. Car/Boat shop, wood shop, etc. etc.

We enjoy our own company with kids and grandkids visits being the best.