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We are now officially retired! Those with a good memory will say "but isn't your wife still working part-time?" Yes she is, 10 hours a week, but we both consider ourselves in retirement mode. We just got back from spending two months in Florida, where we appreciated the weather and disliked not being in liberal Cambridge.

It was tough seeing our money go down in the last months of the year, but the total at the end of December was still enough to have a 2-3 % withdrawal plan and have that be enough money for living. We are leaving Jan's SS alone (she just turned 62) for now. And because Jan will have earned income, we will keep funding our Roth IRAs, though I'm not sure where that money will come from at the moment. Some probably from the RMD of my Beneficiary IRA. I usually have to take about 4k from that (which I haven't done yet this year), so I'll take a bit more. Jan also has a regular IRA with 9k in it, so maybe we'll take some or all of that. We'll have to look at our tax situation.

Updates will come. Maybe at the end of the year I will be able to say we withdrew less than we made! My crystal ball is cloudy, so we'll just have to wait and see!!

in MA
it's colder here, but I like it
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