Quote Originally Posted by iris lilies View Post
You are a dozen-ish years away from retirement, although, of course, you don’t have to retire at your Social Security full retirement age. But I think you should be looking towards a program of putting on your charge card only that what you can pay off at the end of the month. By retirement, plan to live on no credit..
Charge card? Geez, who calls them that anymore? I’ve not heard that in ages. LOL

I’m planning to retire at 70. I get more social security that way. My retirement age for full ss is 68. With a desk job, I’m going to go as long as I can. Remember, it’s just me. I don’t have a spouse/partner to count on. That’s why I’m throwing so much in 401K right now. I also got hit with taxes big time last year since I had no 401K contributions to lessen my gross income. I think I had to pay something like $2Kish. I don’t want to go hit with that again. I have no mortgage interest deduction since I rent. I’m fortunate my rent is only $1K a month. At least $300 below market level.