Search found 7282 matches

by Stinky
Wed Apr 14, 2021 10:17 pm
Forum: Personal Consumer Issues
Topic: Permanent Life Policy
Replies: 4
Views: 362

Re: Permanent Life Policy

Thank you David Jay and Stinky. The interest rate of the loan is 5%. I also found out online that in addition to the loan, there is accumulated interest of 1750. The payoff for end of April is 62k, which I guess includes more interest. So a cash-out may actually involve paying 2k. Alternative is ta...
by Stinky
Wed Apr 14, 2021 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping State Farm 10 Pay Life Insurance
Replies: 21
Views: 1167

Re: Thinking of dropping State Farm 10 Pay Life Insurance

Here is more years. https://i.ibb.co/hy9XV8H/IMG-20210414-210424-01-01.jpg Thanks for posting. This is very useful. The bad news is that this policy absolutely hammers you in the first two policy years. You paid $5,608 for two years, and your cash value was only $1,538 at the end of the two years. ...
by Stinky
Wed Apr 14, 2021 7:53 pm
Forum: Personal Consumer Issues
Topic: Permanent Life Policy
Replies: 4
Views: 362

Re: Permanent Life Policy

My father is 85 and I am getting more involved in his finances. He gets a monthly bill from MassMutual for Life Insurance. He appears to have ignored the bills for many years. MassMutual takes a Loan against the policy for the premium each month. The current loan amount is $60k. The Current amount ...
by Stinky
Wed Apr 14, 2021 7:30 pm
Forum: Personal Consumer Issues
Topic: Do you tip your hibachi chef?
Replies: 10
Views: 766

Re: Do you tip your hibachi chef?

I wonder whether the wait staff and the chefs pool their tips.

Maybe somebody who’s worked in a hibachi restaurant could tell us.
by Stinky
Wed Apr 14, 2021 7:27 pm
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

Is there any reason to consider MYGAs as compared to municipal bonds in a taxable account for someone with a high fed + SALT marginal tax rate, who is in their 30s, and who holds bonds primarily for liquidity? (I do also hold some bonds in tax advantaged accounts, but they are for rebalancing, and ...
by Stinky
Wed Apr 14, 2021 4:38 pm
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

How one go about buying MYGA in MA? There are a number of online sources. Go to blueprintincome.com or stantheannuityman.com. You’ll see a number of companies and products shown - over 100 products available in Massachusetts. You’ll also be able to get some basic education on the product. Another s...
by Stinky
Wed Apr 14, 2021 3:06 pm
Forum: Personal Investments
Topic: Fired Financial Adviser - need advice for 70 yo mother
Replies: 18
Views: 1369

Re: Fired Financial Adviser - need advice for 70 yo motherly in

Thank you for your answer, Stinky. What does "VA" mean? We're very confused with what the difference is between a fixed annuity and a variable. I don't know what a basis is, we'll have to call them. She doesn't need to draw any income from this annuity at this time. She has an IRA that ne...
by Stinky
Wed Apr 14, 2021 2:04 pm
Forum: Personal Investments
Topic: Fired Financial Adviser - need advice for 70 yo mother
Replies: 18
Views: 1369

Re: Fired Financial Adviser - need advice for 70 yo motherly in

Actually, I was wrong. I just looked at her fee sheet I think it's 2.31% - Costs Base annuity fee (mortality and expense charge): • Option 2—guaranteed minimum death benefit: 0.69% Average underlying investment expense as of May 1, 20207 • Investment Segment: 0.84% • Income Segment: 0.78% Current G...
by Stinky
Wed Apr 14, 2021 1:11 pm
Forum: Personal Investments
Topic: Asset Allocation for 75 year old mom
Replies: 14
Views: 1262

Re: Asset Allocation for 75 year old mom

My 75 year old mom has an 403b with Lincoln Financial $259k. Lincoln is asking her to withdraw or reinvest in an annuity ---------- Need to rollover to IRA 32% Lincoln Financial Preservation of Capital Account  Variable Annuity $259k. 4% investment earnings over the past year. I'm confused. Does sh...
by Stinky
Wed Apr 14, 2021 12:15 pm
Forum: Personal Investments
Topic: Asset Allocation for 75 year old mom
Replies: 14
Views: 1262

Re: Asset Allocation for 75 year old mom

My 75 year old mom has an 403b with Lincoln Financial $259k. Lincoln is asking her to withdraw or reinvest in an annuity ---------- Need to rollover to IRA 32% Lincoln Financial Preservation of Capital Account  Variable Annuity $259k. 4% investment earnings over the past year. I'm confused. Does sh...
by Stinky
Wed Apr 14, 2021 12:03 pm
Forum: Personal Investments
Topic: Fired Financial Adviser - need advice for 70 yo mother
Replies: 18
Views: 1369

Re: Fired Financial Adviser - need advice for 70 yo mother

First - does my 70-year-old mom even need to have this annuity costing her $14k in fees per year? The annuity is Schwab Advisor Choice Variable Annuity and she's currently paying fees on the death benefit, a base annuity fee, Investment Segment, Income Segment and GLWB fees. This annuity doesn't ha...
by Stinky
Wed Apr 14, 2021 5:29 am
Forum: Personal Finance (Not Investing)
Topic: I mailed in my taxes not knowing about the big backlog... Is there anything I can do to cancel that and e-file instead?
Replies: 15
Views: 1973

Re: I mailed in my taxes not knowing about the big backlog... Is there anything I can do to cancel that and e-file inste

cricket49 wrote: Wed Apr 14, 2021 5:18 am I was told by an IRS rep not to refile as that would create more problems.
It sounds to me like this is a pretty strong indication that OP should just sit tight and wait for the gears at the IRS to grind away.
by Stinky
Tue Apr 13, 2021 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 66 2/3 Joint Annuity vs 66 2/3 True Joint Annuity
Replies: 3
Views: 175

Re: 66 2/3 Joint Annuity vs 66 2/3 True Joint Annuity

A normal 66 2/3 joint annuity would pay 100% while both parents are alive, and 66 2/3% to the survivor after the first death. Payments would cease on the second death. I’m not familiar with the use of the word “True” in this context. You need more clarification from the plan to figure this one out. ...
by Stinky
Tue Apr 13, 2021 3:11 pm
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

Have appreciated posts here exploring the topic ( Stinky 's as well as this thread). Fantastic recap of MYGA investing. Thank you Mr. Stinky. Dear OP and "Stinky", You have changed my mind. Thank you for your helpful information. I'd also like to thank Stinky (and others) for all the MYGA...
by Stinky
Tue Apr 13, 2021 1:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

Heading to the gym. We'll see if we have a melt up coming. Late afternoon mini-melt-up in progress. S&P is up about 10 points in the last 90 minutes. New ATH level, of course. Boglehead Nation wants you to go to the gym, and stay there. At least until after 4pm ET. Do it every day, please. :D
by Stinky
Tue Apr 13, 2021 1:20 pm
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

"I wonder often what the Vintners buy One half so precious as the stuff they sell." -- Rubaiyat of Omar Khayyam, quatrain XCV Can anyone explain clearly what the insurance companies are doing--what investments they are buying --that seemingly enable them to beat bonds on return without ad...
by Stinky
Tue Apr 13, 2021 11:51 am
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

investnoob wrote: Tue Apr 13, 2021 11:37 am If it is a multi-year fixed annuity why is the acronym MYGA instead of MYFA?
Multi year guaranteed annuity. MYGA.

I’d imagine that some marketing person from the distant past thought that “MY-gah” sounded better than “MY-fah”. To me, MYFA sounds like a dangerous disease. :D
by Stinky
Tue Apr 13, 2021 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Medicare - just A + B?
Replies: 12
Views: 804

Re: Medicare - just A + B?

I would never go without additional coverage of some type. In my case, it makes the most sense to go with an Advantage plan. My Advantage plan covers 99% of the doctors in my state and 100% of the hospitals. I get my Part D coverage and a few additional freebies at no cost to me. Others will advocat...
by Stinky
Tue Apr 13, 2021 11:04 am
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

They are guaranteed both by insurance companies and by state governments. They are not guaranteed by state governments. A State Guaranty Association is not the state government. Guaranty associations are state-sanctioned, nonprofit organizations that insure consumers in the unlikely event that thei...
by Stinky
Tue Apr 13, 2021 10:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

HomerJ wrote: Tue Apr 13, 2021 10:30 am
watchnerd wrote: Tue Apr 13, 2021 9:13 am Mega corp stock going up too much, increasing past its target AA.

But have to wait until July to sell next tranche of ESPP for best tax treatment....
Don't let the tax tail wag the dog.
Another thought -

A bird in the hand is worth two in the bush.
by Stinky
Tue Apr 13, 2021 6:10 am
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 40
Views: 4982

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

I'm currently a fan of MYGAs. As I have mentioned elsewhere, I have constructed a "MYGA ladder" of various maturities for myself, similar to a CD ladder. I also hold bond funds, but my MYGA balance is currently larger than my bond fund balance. My MYGA purchases began about six months ago....
by Stinky
Mon Apr 12, 2021 9:51 pm
Forum: Personal Investments
Topic: Do brokers close accounts of angry customers?
Replies: 32
Views: 2675

Re: Do brokers close accounts of angry customers?

Can you share with us why there was an argument? Did the brokerage make a mistake on your account that they refused to acknowledge or fix? Or did you just run into a rep who was having a bad day? For the former, I would move the account. For the latter, I might make a complaint, but wouldn’t move th...
by Stinky
Mon Apr 12, 2021 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping State Farm 10 Pay Life Insurance
Replies: 21
Views: 1167

Re: Thinking of dropping State Farm 10 Pay Life Insurance

Perhaps they can 1035 your balance to something else. A 1035 likely would be an exchange into an annuity. The State Farm cash value may not be large enough to hit the minimum policy size for most annuities. I would definitely not recommend that OP exchange this whole life policy for another cash va...
by Stinky
Mon Apr 12, 2021 8:59 pm
Forum: Personal Investments
Topic: Fidelity pushing deferred annuity
Replies: 14
Views: 1331

Re: Fidelity pushing deferred annuity

I agree with gjlynch17 about MYGAs being a reasonable choice for many folks. Back to OP’s question about commissions - the Blueprint website says that they will receive a commission of 0.5%-2.0% when they sell a New York Life MYGA. Presuming that Fidelity gets the same commission, that’s an incentiv...
by Stinky
Mon Apr 12, 2021 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping State Farm 10 Pay Life Insurance
Replies: 21
Views: 1167

Re: Thinking of dropping State Farm 10 Pay Life Insurance

It's few years old, 30 months to be exact. I just asked the company and they said it's something I am given when I signed up. They were curious what I was looking for. I cannot find it if it was given to me by agent. That’s a most unhelpful response from the insurance company. I’m not impressed. Ho...
by Stinky
Mon Apr 12, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

Cheez-It Guy wrote: Mon Apr 12, 2021 5:02 pm VTI soared today. +0.03%!
Interesting.

The mutual fund version of VTI, VTSAX, was -0.02% on the day.

And, of course, I own VTSAX. :oops:
by Stinky
Mon Apr 12, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois State Tax Annuity Schedule M Subtraction
Replies: 1
Views: 137

Re: Illinois State Tax Annuity Schedule M Subtraction

Hi team, I realize this is a niche question, so I appreciate if someone is actually able to give me a solid answer, but no expectations! Thanks for taking the time to read! My partner and I are married and file taxes as married-filing-jointly. She inherited a annuity from her late mother a few year...
by Stinky
Mon Apr 12, 2021 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping State Farm 10 Pay Life Insurance
Replies: 21
Views: 1167

Re: Thinking of dropping State Farm 10 Pay Life Insurance

I got this $100k "10 Pay Life" from StateFarm for $233/mo. "10 Pay Life" for reference is This whole life insurance policy provides a level death benefit for the lifetime of the insured. As the name implies, the policy requires premium payments for 10 years. Once all 10 years of...
by Stinky
Mon Apr 12, 2021 3:14 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 409
Views: 34633

Re: International is in meltdown

watchnerd wrote: Mon Apr 12, 2021 2:53 pm
abuss368 wrote: Mon Apr 12, 2021 2:14 pm I do recall Mr. Bogle getting out completely in 2020.
That would be remarkable given Jack passed away in 2019.
Such a stickler for details! :D
by Stinky
Mon Apr 12, 2021 2:30 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

manlymatt83 wrote: Mon Apr 12, 2021 12:48 pm Thank you for the help everyone!
Please let us know what you decide to do.

Best of luck to you.
by Stinky
Mon Apr 12, 2021 10:38 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 409
Views: 34633

Re: International is in meltdown

International, especially EM, getting HAMMERED, what's new :oops: That means I’ll continue my rebalancing from US to ex-US index funds, to true up to my allocation targets. It seems like that rebalance has been a one way street for the longest time ...... That's what I been doing. I’m pining for th...
by Stinky
Mon Apr 12, 2021 8:49 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 409
Views: 34633

Re: International is in meltdown

stocknoob4111 wrote: Mon Apr 12, 2021 8:42 am International, especially EM, getting HAMMERED, what's new :oops:
That means I’ll continue my rebalancing from US to ex-US index funds, to true up to my allocation targets.

It seems like that rebalance has been a one way street for the longest time ......
by Stinky
Mon Apr 12, 2021 8:46 am
Forum: Personal Investments
Topic: CDs vs. Bonds in today's world
Replies: 15
Views: 1159

Re: CDs vs. Bonds in today's world

Many conservative investors favor fixed annuities these days. They pay much better than bank accounts, money market funds, CD and other low-risk fixed income investments. A fixed annuity is an insurance contract that pays a fixed rate of interest for a "set term", usually ranging from one...
by Stinky
Mon Apr 12, 2021 5:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

Not a prediction, a medium-term forecast; A return to the 2020 low - how can this be unthinkable? - would be a drawdown of 46%. Retail investors are the most committed since 2000. The maximum number of people will be sucked in, then problems will be uncovered in the Fall accompanied with an almight...
by Stinky
Sun Apr 11, 2021 3:12 pm
Forum: Personal Investments
Topic: Finally read the Little Book of Common Sense Investing...
Replies: 8
Views: 1120

Re: Finally read the Little Book of Common Sense Investing...

I have given away several copies of that book to friends of mine who are beginning their investment journey.

It belongs high on any “short list” of great investment books. And it’s highly readable.
by Stinky
Sun Apr 11, 2021 3:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

...I still don't understand how they come up with expected future earnings for S&P 500 or total market... Is someone conducting an analysis for every company, compiling data from hundreds (or thousands) of companies according to market cap, then taking the average to use in their forward P/E es...
by Stinky
Sun Apr 11, 2021 1:26 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

So I guess our only options are: - Keep it as is. - Roll it over via 1035, though since Schwab is more expensive, this may not be the best idea. - Begin cashing it out, pay the 10% penalty, and have her increase her contributions to her 401k or 457b. We're both index investors now. I'd really like ...
by Stinky
Sun Apr 11, 2021 11:35 am
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

Right now I'm just trying to figure out if this is an IRA annuity or not. The amount that was purchased was much higher than the $6000 IRA limit, and it was done all at once, so I assume it's a non-IRA variable annuity? What's funny is on the statement, it has a "Retirement Reserves Contract N...
by Stinky
Sun Apr 11, 2021 11:21 am
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

Should we tell him about the 10% tax penalty on early withdrawals? Ron Oops! Should have mentioned that! Any withdrawals of interest from a taxable annuity that are made prior to age 59.5 will incur a 10% "penalty tax". For example, if SO were to withdraw $1,000 that is all deemed to be &...
by Stinky
Sun Apr 11, 2021 10:24 am
Forum: Investing - Theory, News & General
Topic: New "Bogleheads on Investing" podcast with estate expert Frazer Rice
Replies: 34
Views: 3167

Re: New "Bogleheads on Investing" podcast with estate expert Frazer Rice

There's certainly a big difference between "income" and "wealth"! You could have a negative net worth - if you make $400,000 per year in income, you're wealthy according to our government. On the other hand: You could have $5 million in net worth - if your taxable income is only...
by Stinky
Sat Apr 10, 2021 9:29 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

Yes, the annuity could be 1035 exchanged to a Schwab annuity. But that wouldn’t avoid taxes, since the basis carries over. Stinky, when you do a 1035 exchange you have to pay taxes on the gains at that time?? No taxes are due at the time of a 1035 exchange. The embedded gain moves over to the new a...
by Stinky
Sat Apr 10, 2021 8:43 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

Not an expert, but can't the annuity be exchanged for one at Schwab with a 1035 exchange ? I'm not sure it'd make sense to do that, since Fido has a good variable annuity, but it is possible to avoid taxes, right ? Yes, the annuity could be 1035 exchanged to a Schwab annuity. But that wouldn’t avoi...
by Stinky
Sat Apr 10, 2021 8:38 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

Thank you for the replies! SO is a physician and in a high tax bracket. She could surrender the annuity in pieces to begin paying off student loans, though she is also eligible for loan forgiveness if she sticks things out another 5-7 years. What about winding down the annuity over a number of year...
by Stinky
Sat Apr 10, 2021 8:13 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1574

Re: Annuity statement. Not sure how this works?

SO has an annuity that she’s had since childhood. Received a statement in the mail this month. Surprisingly, the statement is from Fidelity. It shows investments in about 5-6 “VIP” funds like contrafund, growth, high income, overseas, etc. The annuity seems to be 75% equity and 25% bonds. I’m confu...
by Stinky
Sat Apr 10, 2021 6:58 pm
Forum: Investing - Theory, News & General
Topic: An alternative to bonds
Replies: 10
Views: 1789

Re: An alternative to bonds

Yea, I clicked through. It’s an ETF of ETFs. It has a high expense ratio of 1.17%. (There may be even more expenses - the article doesn’t say if the 1.17% includes the expenses of the underlying ETFs). It uses leverage of 23%. It aims to have an annual distribution of 7%. But there’s no guarantee th...
by Stinky
Sat Apr 10, 2021 1:44 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2279
Views: 271087

Re: Post your Financial Milestone Announcements Here

familythriftmd wrote: Sat Apr 10, 2021 1:36 pm NW is only negative 5 figures now! (assets minus medical student loan liabilities) :moneybag
That IS a cause for celebration.

Congratulations!
by Stinky
Sat Apr 10, 2021 8:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

S&P rose by 22 points in the last trading hour of a no news Friday. I’m fine with calling that a “melt up”. It's different than I've seen the phrase used in the past (an accelerating rise that may be a precursor to a crash), but whatever floats your truck boat. :beer Melt up is apparently now j...
by Stinky
Sat Apr 10, 2021 7:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14449
Views: 1111686

Re: U.S. stocks continue to soar!

lostdog wrote: Sat Apr 10, 2021 7:54 am
anoop wrote: Sat Apr 10, 2021 1:08 am overheard produce guys at the grocery store talking tesla stock price.
top
The woods are lovely, dark and deep,
But I have promises to keep,
And miles to go before I sleep,
And miles to go before I sleep.
by Stinky
Sat Apr 10, 2021 6:31 am
Forum: US Chapters
Topic: Birmingham, Alabama local chapter
Replies: 55
Views: 8256

Re: Birmingham, Alabama local chapter

Final Bump NEXT MEETING - Sunday, April 11, 4pm Central, via Zoom. I will send out Zoom information to all those on my local chapter mailing list. We welcome any new members from the Birmingham/Huntsville area. To get on the mailing list and to learn more about us, please email me at birminghambogle...
by Stinky
Sat Apr 10, 2021 5:55 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2279
Views: 271087

Re: Post your Financial Milestone Announcements Here

Crossed into $1.5 million in investable assets (about 1.7 total NW) this week. Out of curiosity I checked the last time I posted to this thread and it was less than 2 years ago (June 2019) when we hit $1.0 million in investable assets. Amazing. Both 44, 2 kids ages 4 and 6. Congratulations on hitti...