This is something last I thought about in detail when I first went on Medicare, but the purpose of this post is to pass on some of my thinking on supplemental insurance coverage to Medicare. The key criterion was to be able to go to

Bonds have declined steeply since last September, by roughly -13% real return. Our brokerage statement shows that Patti and I are barely above water on our total bond holdings: the current market value for our bonds is only a shade better than the cost basis

Patti and I use her life expectancy as the number of years we want for Zero Chance of depleting our portfolio. I use the number of years to get our age-appropriate Safe Spending Rate (SSR%). I use that rate the first week of December to

No, the results one gets from the Vanguard Retirement Nest Egg Calcuator do not make sense. The results lead you to FAR TOO LOW of Safe Spending Rate (SSR%; see Chapter 2, Nest Egg Care (NEC)). I wrote about the shortcomings of the

Obviously, this is a stressful time. We’ve had two years of COVID that could have ruined our economy; inflation has not been this high for 40 years; and we have a war in Europe. I can’t make sense out of what it means for our