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You and I don't always agree, but we do on this one! I would echo every single one of your statements!

As I have said many times, here and elsewhere, people need to study and learn how to manage their own money -- within and without their IRA's. I've managed my own IRA for 10 years+ now and have done pretty well. Rich? No way, but we do okay.

His $32,000/year pension sounds fabulous to me! We live mostly on our Social Security incomes, plus occasional withdrawals I make from my IRA when we need some extra, and a tiny pension I have that pays me just $350/month, which covers our Medigap insurance.

I just used TurboTax to file our state and federal taxes. We paid nothing and got no refund. A total wash, which isn't bad! (We've paid NO taxes for 4 years now.)

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