The Life After Job Blog Page

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  1. Savings for Retirement and Setting Goals

    These tips on savings for retirement were submitted by a real person to help others. These retirement tips can help you adequately save for yours.

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  2. Retirement Investment Planning Should Be Reviewed Yearly

    Tips on retirement investment planning, the purpose of target date retirement funds, and more on financial planning for retirement.

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  3. IRA Withdrawal Rules

    As you near retirement, get to know the IRA withdrawal rules, especially for retiring early. Read this for IRA withdrawals, penalties, Roth, and taxes.

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  4. Required Minimum Distribution

    Warning - after age 70 you could face much higher taxes. A required minimum distribution from your accounts could force you into higher taxes.

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  5. Target Retirement Funds Help You Invest Appropriately

    How to use target retirement funds in a portfolio. Also called target date retirement funds or lifecycle funds, use these to set your portfolio on auto-pilot.

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  6. Fulfill Your Bucket List

    Here's my bucket list, as an example for you to write yours. Also, other readers share theirs.

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  7. Affordable Health Care Act

    The affordable health care act, also called Obamacare became law on March 23, 2010. It really is good for you and your family, and here’s why.

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  8. Early Retirement Diary of Experiences

    One person's early retirement diary and experiences, from setting a date through the first month of retirement, then more diary pages in retirement.

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  9. No Retirement Plans

    No Retirement Plans - Some People Want to Retire and Others Don’t. Which type of personality fits you?

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  10. Tax Free Savings Account

    A retirement savings account such as a 401k or an IRA is an example of a tax free savings account. Earnings in these accounts are tax free until withdrawn.

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  11. Retirement Help for Real People

    In case you aren't sure where to start, here is retirement help just when you need it. An assortment of topics for your choosing.

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  12. Retirement Planning Checklist and Cheatsheet

    This cheatsheet gives a condensed version of the Retirement Planning Checklist suitable for cut and paste to your plan documents.

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  13. Civil Service Retirement, A Real Persons Retirement Story

    Civil Service Retirement- Another real person's retirement story with lessons learned for your benefit.

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  14. Volunteer for Meaning in Your Retirement Life

    Volunteer for meaning in your life as a retiree. Consider these ideas for helping others.

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  15. When Can I Retire Without Fear?

    For years I wondered When Can I Retire? It became almost an obsession and I dreamed about it in my spare time. The thing that always scared me was

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  16. Life Insurance For Retirement- Summer 2012 Diary Entry

    This month’s topic is life insurance for retirement, diary updates on retirement life. June and July diary entries are combined into one for summer.

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  17. Financial Planning with a Retirement Planner

    A good financial planning retirement planner or guide covers all aspects that could have an impact on finances. A fee-only financial advisor is safest.

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  18. Social Security Retirement Benefits and more

    Social Security Retirement benefits are the core of most retirees income for basic living expenses. More topics, a brief history of the social security system.

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  19. Real People Bucket List from a reader

    A real people bucket list submitted by a reader, a sample bucket list with photos to inspire yours. Photos from Scotland, glass blowing, a mountain home.

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  20. Investment For Retirement

    Basics on investment for retirement such as when to start, how investments should progress, goals, etc.

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  21. Late Retirement

    Real person retirement story- this teacher plans a late retirement, then lots of quality time with babies.

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  22. Planning for Your Retirement Story

    John's story of his parents' retirement - As you are planning for your retirement, it is a good idea to think about the 5-10 years leading up to retirement.

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  23. Retirement Gifts for Men

    Instead of the usual retirement gifts for men you know who are retiring, like golf clubs, barbecue tools, and gag gifts, get that guy going in a new direction.

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  24. Retirement Hobbies for an Interesting Life

    Retirement Hobbies are absolutely vital to a meaningful and fulfilling retirement. A few thoughts

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  25. Retirement Story About Grandparenting

    This is a real people retirement story about grandparenting and a manager who retired early and found the ideal retirement role as a doting grandfather.

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  26. No Retirement Plan

    Joey shared a story about his friend Rick who had no retirement plan. Learn how to avoid his mistake.

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  27. Cashing In A 401k Before Retirement

    Cashing in a 401k before retirement? Not a good idea, except for this one good reason. Here is why you shouldn't withdraw except for retirement.

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  28. 401k Savings Update - April Early Retirement Diary

    My retirement diary entry for April includes an update on how our 401k savings were impacted by withdrawals since our early retirement, plus other diary news.

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  29. Simple Retirement Calculator for Planning

    Where to find a simple retirement calculator to make planning for retirement easy to do, and easy to manage. Examples are given for both PC and Mac users.

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  30. Surviving Mom's Retirement

    Surviving Mom's Retirement is a story about how Mom's retirement affected her daughter's life. Sound like anyone you know?

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  31. Adjusting To Retirement

    This real people story from Sarah shows us that adjusting to retirement can take some time, especially for people who don’t yet have interesting hobbies.

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  32. Senior Retirement Living

    Consider how Senior retirement living will be different. Give retirement lifestyle some careful thought, so you can continue to live life to the fullest.

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  33. Life After Job Blog Page

    The Life After Job Blog provides an overview of the site's most important and relevant content.

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  34. 401k Early Retirement Rules

    401k early retirement and IRA early retirement rules are very different! Know the differences, or it could cost you or add restrictions you didn't expect.

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  35. IRA Early Withdrawal Penalty

    If you take early withdrawals from your IRA you’ll pay the IRA early withdrawal penalty which is 10% of the withdrawn amount. Read what else you need to know.

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  36. Divorce Happens - Even After Decades of Marriage

    A real people story about retirement and divorce. This story is a lesson for all women to prepare for their own retirement.

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  37. Best Retirement Story

    The best retirement story about real people and the dream retirement they achieved. They raised a family, retired early, built their dream home, and more.

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  38. Retirement Diary March

    We retired early in December 2011. This is the retirement diary March 2012 entry of our retirement journal describing how we transition from work to freedom.

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  39. Social Security Early Retirement

    What will your social security early retirement benefit be? You could take early retirement at age 62, or you may need to wait for the higher benefit amount.

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  40. Good Retirement Life Story

    On finding a good retirement life- Mr. Sharm had the means to live a dream retirement, and tried. What he learned surprised him, and might surprise you,too.

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  41. Places To Retire - A Few Ideas

    Places to Retire? Do you want beaches, mountains, or both? Have you thought about these places?

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  42. Career Change After 50

    A real person's career change after 50 years of age and a successful career. One way to semi-retire.

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  43. 401k Withdrawal Planning for an Income

    Fund your early retirement with a 401k withdrawal plan or a combination 401k and IRA withdrawal plan. You will also see why portfolio myths exaggerate needs.

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  44. Nightshades Infographic

    This nightshades infographic explains nightshades and their relationship to arthritis and other diseases

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  45. Individual Retirement Account IRA

    The withdrawal and tax rules for an individual retirement account ira. Describes key age rules, mandatory withdrawals, required minimum distributions.

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  46. Early And Unexpected Retirement

    Greg Butler, an Irish Retirement Coach, on challenges of an executive who retires under unfavorable circumstances, but still finds contentment in his new role.

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  47. Self Employed 401k and Why You May Need One

    If you thought 401k accounts were only for W-2 employees, think again. A self employed 401k account is available for small businesses, too..

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  48. Financial Planning for Retirement and Best Practices

    Financial Planning for Retirement Best Practices- learn why the retirement calculators at most financial websites are just for fun, and what to do for real.

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  49. Early Retirement Incentive

    An incentive is “something that incites to action.” Besides an early retirement incentive offered by employers, there are other incentives. What's yours?

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  50. Early Retirement Journal

    This is my early retirement journal, and includes diaries for 2011 and 2012 as we navigate early retirement, including a typical day of retirement life so far.

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  51. 401k Tips

    401k tips and how 401k plans work; why you should enroll in a 401k; the difference between a 401k plan and an IRA? These topics and more are covered here

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  52. Individual Health Care Plans and the Act

    About individual health care plans in the US for early retirement. Examples from AARP, sample health/medical insurance quote, and affordable health care act.

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  53. Hardship Withdrawal From 401k

    A hardship withdrawal from 401k accounts is allowed when there is an urgent and heavy need for money that can't be met by other means. For details read this.

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  54. Disclaimer for Lifeafterjob.com

    Disclaimer for website LifeAfterJob.com. All rights reserved. Copyright 2011-2016. Content is periodically reviewed by Copyscape.

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  55. Retirement Insurance Planning Decisions

    Retirement insurance needs should be reviewed before you retire or as you approach retirement. Some coverage needs will be less, others will be more.

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  56. Privacy Policy

    Privacy Policy for Retirement Planning for Real People. All rights reserved. Copyright 2011-2012.

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  57. Social Security Retirement Benefits

    Key information about the 3 social security retirement benefits every retiree needs to know about - retirement income, medicare, and supplemental benefits.

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  58. How To Downsize

    Thinking about how to downsize your stuff? Maybe you're preparing to downsize your house or just freeing up space.

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  59. 401k Retirement Plans for Free Money

    One of the many benefits of 401k retirement plans is the FREE MONEY available from most employers to employees who participate in their plans.

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  60. Retirement Stories by Real People

    Retirement stories by real people. Jo's best retirement, Lorraine on getting the most Social Security, teacher retiring later, divorce story, on grandchildren.

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  61. Retirement Savings Account or College Savings

    Should you fund a retirement savings account or a college savings account? Why you should fund a retirement savings account before a child's college savings.

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  62. Retirement Income Calculator - My Favorite

    Some retirement income calculator tools are so simple they are practically useless. Here are two that I think are the best out there, and they are free.

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  63. Retirement Ideas from Lorraine

    A story from one of my Real People offers retirement a tip on social security retirement benefits that may help you.

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  64. Before Buying Mutual Funds

    Before buying mutual funds, consider the impact of fees on your long-term returns. Funds with similar performance can give you drastically different results.

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  65. Retirement Planning Checklist

    This retirement planning checklist covers pre retirement planning to be sure you start your retirement on a solid foundation. Are you fully prepared?

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  66. Taxes On Retirement Income, Really?

    Information about taxes on retirement income including income tax on withdrawals from your IRA and 401k accounts, as well as Social Security, and

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  67. Planning for Early Retirement

    If you are planning for early retirement, there are a few very important differences to consider compared to planning for retirement at “normal” retirement age.

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  68. Eliminating Credit Card Debt

    Eliminating credit card debt is the absolute best way to improve your financial status. Before you can consider retiring, you must have this debt gone.

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  69. Financial Planning and Retirement Story

    This financial planning and retirement story shows how unexpected events can change even the best plans, but a positive attitude helps us adapt with success.

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  70. Advice for 20 Somethings

    Important advice for 20 somethings on retirement planning. As a 20-something person just getting started, consider these keys to retirement planning.

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  71. Retirement Diary - First Year 2012

    This is my retirement diary for 2012, which was my first full year of early retirement life. Follow along as my husband and I navigate this new life phase.

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  72. A Happy Retirement Life, Your Life After Job Guide

    Helping you prepare for retirement life, with tips and ideas for your Life After Job. Then live a richer, happier life when you finally quit your job.

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  73. Early Retirement Chart

    Check out an early retirement chart for various types of retirement benefits such as eligibility age, withdrawal age, benefit reductions by age.

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  74. Things to do in Retirement

    Things to do in retirement - hobbies, volunteering, unusual jobs. You need a plan for how you’ll be spending time, before you retire. Here’s why and ideas.

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  75. Retirement Party Planning and Ideas

    Retirement party ideas to get you started on a rock solid plan for a 2 phase celebration that marks the end of a career and the beginning of an adventure.

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  76. Paying Off Credit Card Debt

    Step 1 for paying off credit card debt is to stop buying things on credit, then live within your means. Here's how to do it.

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  77. Early Retirement Financial Planning

    Early Retirement Financial Planning tips and guidance. Retiring before full retirement age costs much more than traditional retirement. Do you know why?

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  78. Retirement Fears Are Natural and Necessary

    Planning major lifestyle change like retirement can raise a few fears! If you have retirement fears, check here for some coping tips.

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  79. Average Retirement Income

    How does your income compare to the average retirement income? This page discusses this topic and provides statistics as well as real people examples.

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  80. Retirement Savings Calculator

    How to get the most from the best retirement savings calculator available online.

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  81. Retirement Financial Planning Evolves With Each Decade

    Learn how your retirement financial planning should be changing with each decade of your working life. Are your finances in the correct state for your age?

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  82. How To Save For Retirement At All Stages of Life

    How to save for retirement at each stage of your life to claim your ideal retirement life. Use these retirement planning tips to stop working on YOUR schedule.

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  83. How To Retire - Here are some steps to take

    Have you figured out how to retire? You think you're ready but not sure what to do next? Here are steps to take.

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  84. A Calculator for Planning Retirement Income

    What's the best calculator for planning retirement income? Here are the steps you need for using it.

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  85. Become a Nomad - Live the life of a gypsy

    Before you become a nomad and sell your home to buy a fancy RV, take a long vacation on the road to see if you truly enjoy this life.

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  86. Fee Only Financial Advisor

    Why a fee only financial advisor is the best way to get objective financial advice, for retirement planning or any financial planning you might need.

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  87. Financial Planning for Retirement Detailed Steps

    Financial Planning for Retirement Detailed Steps- Follow this plan to build your own customized retirement calculator.

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  88. Retirement Annuities

    Retirement annuities are explained, including an example income and investment scenario, and what you should consider before choosing one.

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  89. Retirement Budget

    A couple shares their financial details, retirement budget, and retirement income and how they approached their early retirement.

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  90. Early Retirement Forum

    By visiting an early retirement forum, you can learn from others who have already been in your shoes. Here is a description of a five, and my top pick.

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  91. Advantages of Mutual Funds -May’s Diary Topic

    May’s Diary Topic is Advantages of Mutual Funds, mentions related articles, and explanations for evaluating and picking funds for your 401k.

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  92. Out of the Blue

    Stephanie's story about how her retirement plans changed when her husband became ill.

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  93. Best Credit Card Offer

    The best credit card offer for you is the one that serves your specific needs. A new small business card, or a better interest rate. Top 5 things

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  94. Retirement Income Funds

    Learn how to provide retirement income funds from your savings for a retirement paycheck. Figure your savings goals and how to use the money in retirement.

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  95. Best Time To Retire Considering Your Circumstances

    Is now the best time to retire? Nervously, Jack and Cheryl face retirement in troubling times.

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  96. Thoughts on Travel in Retirement

    Thoughts on Travel for retirees and a few interesting places to think about visiting.

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  97. About TIAA-CREF Financial Services Company

    You’ve never heard of TIAA-CREF because they previously only served these clients - Teachers and employees of medical and educational institutions. But now

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  98. What is a Reverse Mortgage? A Retirement Tool

    Understanding how and when to use a reverse mortgage can give you more flexibility in your retirement. A reverse home mortgage can provide supplementary income.

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  99. Retirement Countdown Clock

    Once you've decided you're ready to retire and start the retirement countdown clock, consider these items, and get a countdown clock for your computer for fun.

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  100. What Are Mutual Funds

    What are mutual funds? If you haven’t done much with your retirement savings accounts, you probably need to read this. It will clear up some of the mystery.

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  101. Retirement Planning Tool Box Recommendations

    How to build your own retirement planning tool box. Here is a core set of tools for building your detailed retirement plan.

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  102. Working In Retirement Can Be Fulfilling

    This real people story is about a retired office worker who is now excited about working in retirement in a completely new field.

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  103. Social Security Retirement Age

    What is the Social Security Retirement Age? More on the age to file, early retirement, and why you may want to delay retiring past age 65.

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  104. Retirement Planning Guide

    More Retirement Planning Guide information on early retirement withdrawals from 401k and IRA accounts, and tax info.

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  105. How Much To Retire

    When you first start seriously considering when to retire, how much to retire also comes into it. Can you manage on a part time income if not fully retiring?

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  106. Retirement Realities - Can you really go back?

    Retirement Realities - In our 3rd year of retirement, a good time to talk about retirement realities and a few retirement problems.

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  107. Early Retirement Withdrawal 401k Accounts

    This Early Retirement Withdrawal 401k article describes how and when to setup an income stream from your 401k. Key things to remember.

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  108. Portfolio Assessment Advice and Preparation

    After you’ve saved steadily for several years, and definitely after 10 years, you need a portfolio assessment. What it’s all about and why you need one.

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  109. My Retirement Story (About Me)

    My retirement story - A little bit about me and my thoughts on retirement.

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  110. Retirement Planning Articles

    These retirement planning articles highlight the critical rules for a rock solid retirement strategy. Do you follow them?

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  111. Consolidating Credit Card Debt

    Consolidating credit card debt by with cash advances is an approach to paying off debt. Follow these steps and examples to make the most of those offers.

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  112. Tips For Frugal Living

    Get tips for frugal living whether you are saving for retirement or living in retirement. A frugal lifestyle can be more satisfying than an extravagant one.

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  113. Voluntary Early Retirement Offers

    Do you know what to consider in evaluating a voluntary early retirement offer? Here are things to consider.

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  114. Retire for more family time

    A common retirement goal is to retire for more family time. Here are things to consider regarding visiting, and family issues.

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  115. The file and suspend strategy - Is it for you?

    The file and suspend strategy, a way of increasing a couple's total income from Social Security, is going away as of May 2, 2016.

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  116. Retirement Account Types and Their Differences

    There are retirement account types, with different rules and considerations for each type. Learn about annuities, 401k, IRA, and other account types here.

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  117. Retirement Health Alert - Help with a Chronic Disease

    A retirement health alert for anyone who suffers any type of chronic disease or pain. I retired early due to arthritis, but am getting better now.

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  118. Best Retirement Story Update

    An update to the Best Retirement Story about Joann and Jimmy, and where things stand now.

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  119. Retirement Planning for Women Is A Must

    Regarding retirement planning for women, more often than men, women end up living in poverty after retirement due to lack of planning and other factors.

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  120. Independent Retirement Living and Options

    Senior retirement living topics including lifestyle decisions, independent lifestyle, multi-family homes, retirement communities, and non-traditional options.

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  121. Early Retirement Planning and Considerations

    Early retirement planning is more challenging than planning for traditional retirement age. Without the safety net of Social Security, there are extra risks.

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  122. Retirement Planning Tips

    Follow these extra retirement planning tips over the years, to live simply and frugally, and be ready for life after career.

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  123. Civil Service Retirement System

    The Civil Service Retirement System and additional resources for finding more detailed information on CSRS/FERS retirement plans.

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  124. Best Retirement Jobs for Socializing

    Ideas for the best retirement jobs for socializing, and other job ideas that can meet various goals.

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