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Roger & Karen

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  1. I am leery of investing anymore. With my stocks, I do reinvest the dividends, and I am not touching my 401k until I must. Roger's 401k will remain untouched, also. His dividends are put in to a cash account, but he doesn't touch the investments. We are fortunate, because we are living a dream retirement. We have Tricare for medical and his naval retirement, plus our SS, to live on should the markets dry up. Roger's brother and his wife have always been active and don't drink or smoke. They play tennis tournaments. His wife has been fighting cancer for 20 years. Roger's brother has cancer, also. Roger and I eat too much and don't exercise enough, but knock wood, we are very healthy....with the occasional joint aches. Sometimes I want to fulltime, but I enjoy gardening very much. Plus, I love being in Maine in the summer and fall. Karen
  2. Last year we decided to start our SS this coming December. It brings us to a nice round number. Plus Roger retired just last August. I will be 64 I and he will be 63 this coming February. We agree with taking the SS early, but it didn't make sense to collect last year. Karen
  3. I just checked in on this thread today for the first time since I posted. The markets reached another all-time high, but we are well aware that the markets can change for the worse overnight. We still haven't started collecting SS, but we did go to the SS office, and the wonderful young man there printed out what our monthly SS increases would be until we each reached 70 years of age. Many people only consider the ages of 62, 66 and 70, but one can collect at any month until the age of 70, when it becomes mandatory.....or not collecting it at all. We are at the ages when we don't want for much. We did splurge on two Vespa scooters this summer. We spent the summer working on our flower gardens, kayaking and on our scooters. We also spend time with family and friends. In a couple of months we will do our circuit of the US visiting our children, grandchildren, friends and areas that we haven't explored yet. I know that many people work hard and don't have opportunities that are available to others. Because my family was very poor, I learned to work hard and save. Roger was brought up well-to-do, but he knew how to save, invest, and live under our means. He saved from the standpoint of knowledge. I saved from fear of extreme poverty. Six children and two adults lived in a 940sf house while I was growing up. So, our diverse backgrounds led us to the same idea of save, save, save. Karen
  4. I just read this whole thread for the first time. Very interesting to read views from three years ago and to see how things are today. To answer the original post, not only did we stay in, we kept investing more....as Barbara did. I had a few sleepless nights, but Roger was steadfast on investing and not fleeing the market. He was still working, and he maxed out his 401k every month. Then after-tax income was invested. The money invested at the low point has been the best decision. Lately the markets have reached an all-time high. Our home and cars are paid for, because if the worst does happen; we will always have a place to live and cars to drive. We can live off of his naval retirement income and our SS, everything else is frosting on the cake. Our motorhome has a mortgage, because we wanted a tax-deduction. No one can predict the future, but we had a plan; and it worked for us. Karen
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