Personal Investments • Finally Retiring With a Couple of Questions

you might consider taking advantage of the soon-to-be-changes in the TSP, which will allow you to start doing Roth Conversions within the TSP. That would ease the tax burden on your kids on at least a portion of their inheritance.

I know in theory this is a good idea. However, I don't have much knowledge on how it works. Also, isn't it better to have equities in Roth? All of my TSP is in the G fund.

Now that your wife is retiring soon, you should use the calculator at https://opensocialsecurity.com/ to come up with a SS claiming strategy. It is almost certain that Open SS will recommend DW claim at 62 & you delay claiming, possibly until age 70. Since your SS benefit dwarfs your wife's, it's possible Open SS will recommend you claim earlier than 70, in order to kickstart her spousal benefit.

Yep, the calculator has my wife taking the spousal benefit at 66 and me claiming at 70. Seems this can be accomplished by using only a low single digit percentage of the portfolio. Not sure what would be a good simple strategy though. Just spend from one account or the other depending on AA? I'm open for suggestions.

Some good answers to think about already. So, I just wanted to wish you a happy retirement and it looks like you are close to the final date. I always enjoy the retirement posts. Keeps me goal oriented towards mine at some point later down the road.

I appreciate the well wish. It's clearly the last big decision of our lives. I'm happy to report that none of my retired friends regret their decision.

Statistics: Posted by Bogleway — Tue Nov 04, 2025 9:45 pm — Replies 22 — Views 5013

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