State of the Blog: Where’s Frugal Dad Edition

A number of you have emailed to ask about the unusual posting schedule here at Frugal Dad over the last few weeks. I am overdue in providing an update, and I need to catch you up on a few things that have been happening in the Frugal family.

Another Loss

Some of you may remember that last September we lost my mom aftera year-long recovery effort following an aneurysm and subsequent stroke. She was 54 years-old, and the glue that held our little family together. We were very close – best friends, in fact, and her loss affected me deeply, as it did my kids and my wife (and many others who knew Mom).

It also took a toll on her dad, who had to deal with something none of us should have to face – the loss of a child. Even when our kids are grown, we expect to outlive them as part of the natural order of things. Unfortunately, it doesn’t always work out that way.

My grandfather was like a dad to me growing up, so naturally when we lost my mom, he and I grew even closer. In fact, he lived with us, sharing our home with my wife and kids (and our dog, who quickly became his dog). It was great having everyone under the same roof; something we had done earlier in our marriage.

Sadly, in May of this year my grandfather was diagnosed with inoperable lung cancer. He opted for chemotherapy and wanted to fight. Would you expect any less from a 29-year Marine? But the damage was done. We lost him October 1st.

The last few weeks were rough, with him in and out of the hospital. Once again, I tried to balance the roles of caretaker, full-time employee, father and husband, and blogger. Obviously, with only so many hours in the day, blogging took a back seat. I wanted to write more about the experience at the time, but honestly, I just had no motivation to do so.

Our family is doing well. We miss him terribly, but are comforted in the knowledge he suffers no more. He lived a full life. He loved his family, and he loved his country, and sacrificed much for both.

Focusing On What’s Really Important

The loss of my remaining family has been tough, and I am blessed to have my wife and her family, and my children, surrounding me. I have learned a number of important lessons throughout the illnesses and deaths of both my mom and my grandfather.

Prior to their illness I had my priorities screwed up. I was distracted by things that now seem so insignificant, like sports, politics, and even money. Not to say money is insignificant, but it is certainly not worth obsessing over. And trust me, neither are college football and politics.

When a loved one is seriously ill, and when you lose them, noises going on outside your little world become much quieter. It’s like someone has a giant mute button and tunes out all of life’s distractions. The only thing worth focusing on is that loved one, and when they are gone, the memories of that loved one.

All that to say that I am weary of the petty arguments going on today, when so much more is at stake. I am sick of the current political climate. I don’t want to turn this into a political rant, but I have to say that I could not possibly care any less about following the twists and turns and debates of every single race across the country. The name calling. The mud slinging. The attack ads. The cheesy ads. The amount of money wasted on those ads. It is all rather sad.

When I sat at my grandfather’s funeral watching the Marine Corps fold the flag draped over his coffin, listening to Taps, all that “noise” went away. Everything about our country, and our freedoms, and our future, seemed crystal clear.

Here was a man that gave nearly 30 years of his life to his country. He fought for that flag. Politicians like to tell us that they will “fight for us,” but how many of them really mean it in the same way members of our Armed Services fight for their country?

Standing in the halls of Congress delivering a tough speech is not the same as standing on top of an armored personnel carrier fending off enemies trying to kill you and everyone else inside. That’s a real fight. That’s life and death.

Shame on those who take our liberty for granted. Shame on those who pretend to uphold the values of our forefathers, and then undermine them at every vote. I will never believe my grandfather, and the millions like him, fought and died for nothing. I have always been proud to be an American, and always will be.

“I am an American” need not be stated apologetically, rather it should be exclaimed proudly. I hope the younger generations remember the lessons of that great generation, and carry them forward for us.

Back to Blogging

Thank you for allowing me a moment to vent. That felt good! Over the next few days I plan to get back to regularly scheduled programming here at Frugal Dad.

Let’s get back to basics. Let’s remind each other of the way our grandparents used to do things. Let’s challenge each other to get out of debt, to build a strong emergency fund, to be more self-sufficient, to strengthen our position so that we may lend a hand to others.

Thank you for sticking with me. Thank you for your thoughts and prayers. Though most of us have never met, I feel a kinship with many of you, and I am inspired by your success. Keep the comments flowing. Feel free to share new ideas on Facebook, or via email. Feel free to ask questions. Feel free to challenge ideas. Tell your friends about the blog, so that we may grow our frugal community even more.

I look forward to another year of sharing life’s ups and downs with you. May we all have more ups this year.


  1. Very sorry for your loss. Your article was spot on, too often do we forget what really matters in life. Thank you.

  2. Sorry for your loss, I lost my mother to cancer this past June, and father died in 1985 from cancer; tough times. He had a Military funeral as well. He spent 24 yrs in the Air Force.

  3. I’m generally a lurker, but your post moved me to comment for once. Best wishes to you and your family, and I so look forward to future posts with a new perspective. Take care of yourselves.

  4. I’m generally a lurker, but your post moved me to comment for once. Love your posts, and look forward to future ones with what sounds to be an even clearer perspective. Best wishes to you and your family — continue to tke care of yourselves.

  5. I am very sorry for your losses. Going through what you have does put things in perpective, as to how much we get worked up over minor things.

    My mom is in late stages of alzheimers and may not be around much longer. Trying to help dad out as much as I can. The other stuff will just have to wait for a while.

  6. Deepest condolences on the loss of your mother and grandfather. We will be here when you are back to writing, and you and your family will be in our prayers. May you find peace in the loving memories of them both.

  7. My heartfelt condolences on the loss of your beloved grandfather. My dad is a retired Marine too, Semper Fi! Thank you for your blog, I appreciate all the work you put into it.

  8. I traveled with my husband as he served in 4 countries and visited 24 others. I can say that we live in a fabulous country. I would not trade it for another.
    Thank you for your post. I am so sorry for you loss. I look forward to hearing from you in the future!

  9. I’m very sorry for your loss. I’ve been following your blog for a year or so now to gain inspiration as I have tried to keep our family’s precarious financial situation in check. I’ve never commented before, but I want to let you know that I appreciate your efforts and perspective.

  10. I’d been wondering what was going on. Sounds like you’ve had a really rough time lately–it’s amazing that you’ve been able to maintain any kind of posting frequency under the circumstance. So sorry to hear about your losses. My deepest condolences to you and your family.

  11. I spent 20+ yrs active duty USN providing medical support to the USMC and USN. After my first Navy duty station I went with the Marines and never left them. I would do anything to take care of the Marines after I saw what they did to protect us. They are amazing people and tough as nails. I have never met more determined, hard working, and dedicated men and women in all my yrs. You should take great pride in knowing he contributed greatly to this country. I’m sorry for the loss of your grandfather. Semper Fi.

  12. My thoughts and prayers are with you and your family during this difficult time! Your story reminded me of my grandmother’s passing 3 years ago. She raised me and was like a mother figure to me. I learned so much from her and miss her deeply. I agreed with you on the politics argument, I can’t take it anymore I don’t even watch TV lately or listen to the radio because I’m just sick of it. Why can’t we focuse on what’s important?

    By the way, I enjoy your site a lot. You always provide great resources and advise. Keep up the good work. It’s nice to heart that you are in good spirits despite the loss of your loved ones.

  13. Thank you – thank you so very much for this post! That is exactly how I have felt since losing my mom (also what I would consider “young”) to cancer two years ago, and the reason I read Frugal Dad. I am so sorry for your loss, and pray you and your family find peace and comfort.

  14. Having gone through the loss of several family members including a brother, I know exactly what you mean about the clarity of focus that tends to come when all the background noise has been turned off. And, given that my grandfather was a mine sweeper captain in the Navy during WWII, I also understand what you mean about people taking liberty for granted, spinning the language of war to their own gain, and in general dishonoring the people who really did die so that you and I and others can fight about First Amendment rights in our Supreme Court.

    Most of all, may God ease the sorrow for you and your family during this difficult time.

  15. I apologize for your loss and look forward to hearing from you again. I lost my father to cancer a few years ago. It was definitely a life altering situation that everyone had to get accustomed to.

  16. Sorry for your loss. Losing loved ones is hard. Family members are the true gems, the true riches in our lives that are irreplaceable.

    Thanks for your vent post. Thanks to your grandfather and the many men who have sacrificed in the past and in the present that we are able to enjoy our freedom.

  17. Very sorry for your loss. To share an analogy for grandparents: Grandparents are like speed limit signs. No matter what road in life we take, our grandparents are there to remind us to slow down and enjoy the sights. They are a constant reminder to stay the course, and take a slow and steady approach. best of luck in the next few weeks.

  18. Thank you for the update. I am so sorry for your loss.

    I realize it is a tremendous sacrifice to blog on a regular basis. I appreciate your work so much. I know many feel that way.

    Mrs. White

  19. Blessings to you and your family. I’m sure you will treasure the memories of these past few years with your mom and grandfather. They are much more important than blog posts, stats, and even money. I realized that family (after God) must come first after working myself nearly to death on my Internet start-up. My parents are getting older and live thousands of miles away. But this year I was able to visit both for a significant period of time. I didn’t take my computer. I didn’t check my email. I was present. And it was the best vacation I’ve ever had. Yes, I want my business to be successful. But I have now redefined success to be God, Family, Business. When they are balanced properly, I will have success. So, Jason, blog when you feel ready. You have enough archived content to keep new and veteran readers happy.

  20. My thoughts and prayers for you and your family. I know the feeling when your last parent is gone.

    Thanks to bloggers like you, God willing, will be out of debt by the end of this month.

  21. Dear FD,
    The pain will be great right now but you will draw strength from your family to get over this hard time. The pain and sadness will eventually lessen as you remember the good times. Be thankful of the time you had together.
    My thoughts are with you

  22. Ditto to all above. My husband is retired USN (corpsman) 20 years. He was with the Marines last few years of his mil. career. His grandfather has a brother that is on the Arizona in Pearl Harbor.
    Peace comes in spiritual things, not possessions or money. We can have millions of dollars and still no peace, or be the poorest soul on the earth and have much peace through our faith, that our creator will provide for us and also remember us and our loved ones in the future.

  23. So sorry for your loss. Keep up the good work. We wouldn’t be here if we didn’t feel the same way about you. 🙂 Chin up, time heals all wounds (or so they say)

  24. My condolences and my thoughts and prayers for you and your family. In my experience, these times in our lives when we’re being with our loved ones as they transition from one state to another are times when we are forced to and should live life in a sort of suspended animation – You simply cannot do the things of daily life in the same routine. This is so important to allow as a process because we need to go into a different state of mind, state of focus, to truly live the experience and gain something. It’s like labor pains in the sense that you simply can’t think of other things at such times while forces of life are moving through you. Take your time and don’t try to be too normal too fast. Much love….

  25. God bless you and your family… I am so sorry for your losses in the last several months. My seventeen-year-old son will join the Marines when he graduates from high school this spring. He is a true patriot and reflects much of what you said about your grandfather. I am so grateful for this post… it brought tears to my eyes. Thank you again for reminding us of what is really important. Be well.

  26. God puts wonderful things in our lives to give us a taste of heaven and to thereby keep our courage up.

    God puts hard things in our lives to force us to dig down deep and learn things we would never take the effort to learn were we not prompted by pain to do so.

    It’s a mysterious process. But I think that is more or less right. I’m sorry to hear that you are going through one of the painful times. But your comments tell me that you are making the use of the pain that you need to make of it to move to a higher place.

    My best wishes.


  27. I wanted to tell you that I am so sorry for your loss. As soon as I read this post, I called my mother. I couldn’t breathe if I was in this situation, so I really empathize. You are in my prayers, and I look forward to a wonderful 2011 for you and your family.

  28. I am so sorry for your loss. Isn’t it amazing how major life events force us to redefine our priorities. Good for you for stepping back to figure out what’s important in your life.

  29. This year I lost Dad in May, my ex-father-in-law in August, my Mom in Sept, and a close friend also in Sept. While everyone’s pain is different, I think that circumstances such as these really change one’s attitude and make one take a good hard look at one’s priorities.

    I know my priorities have changed, or become more clear and brought to the front. I WILL be spending more time with my family and grandkids. I WILL be more available for them. I WILL make family and friends my top priority now. I WILL cherish PRECIOUS TIME more than making money. I WILL enjoy everyday, every precious hour. I WILL take better care of myself. I WILL take more time for the activities that are important to me, and those I want to finish, and the legacy I want to leave behind.

    I am no longer thinking about retiring – I AM retiring. I will see thru a couple projects I am in the middle of at work, and help with year end stuff, but no longer full time. It’s time to retire fully – so January is it 🙂 My time is more valuable with those I love and who still need me. My priorities are in order now, and nothing will stand in the way any longer.

    Being debt free at 56 enables this.

    My condolences to you and your family.
    This is such a numbing time for you all.
    Take time to grieve, when it hits you – and for me that took awhile to really set in – after all the things that HAD to be done, there is a numb period, and then reality sets in. Your best friend and your lifelong friend is gone…it is a terrible reality. Prayers for you all.

  30. My sympathy to you and your family. Having suffered similar losses I can relate. Believe it or not, it will get easier. As to the comments on our politicians, I used to be optimistic about things getting better but now I have grave doubts since the politicians don’t think about us, they think about themselves. How they can get away with outright lying annoys me so much. I wish I really knew what to do but even voting people out doesn’t seem to work. I guess I will just focus on living the best and most responsible life I can.

  31. Good comments Rob, may i add that it boils down to our truly trusting in God, learning to live by HIS WILL and that we are all dependent on him. If not for the creator, what would we eat, what would we breath, and so on. We draw our strength from our faith.
    It really isn’t a mystery at all, we need to crack the one book we have in our homes and read it. We read everything else, but we need to come to an accurate understanding of what is written in the bible and then learn to live by it.

  32. Sorry for your loss. I have lost my parents and grandparents and how a good idea what you are going through.

    Political commercials, by and large, are evil. I don’t like to say that word very often, but those commercials bring out the worst in people. – lies, gullibililty, righteous indignation over unimportant things, wasteof monetary resources that could better serve humanity.

    I am now struggling with newly diagnosed breast cancer. I have enjoyed your blog and have learned lots and it is a pleasant diversion.

    My “financial empire” (ha!) has come to a screeching halt, with the medical bills due to arrive. I find that the frugal things I have learned here help me in coping with this new problem. I have already whittled down my debt, so the arrival of medical bills is not overwhelming.

  33. Sorry for your loss; I wish you and your family all the best.

    This story hit me a little too hard. My mom is going in for surgery this coming month and I pray every day that she pulls through. I lost one of my jobs because of downsizing (again) and my part-time job wouldn’t let me have any time off to take care of my mother. So I am unemployed once again, but at least I can be with my mom and take care of her for an entire month. She isn’t experiencing anything like cancer, but is having double knee surgery and hasn’t been able to walk or function normally. She is usually an extremely active person.

    I just hope I can one day finish school for a better job and have my mom move in with me so I can continue to take care of her. I believe family is very important.

    • LB, so sorry to hear about your mom’s health, and your unemployment. When your mom has recovered from surgery, and you are able to, get back after those books and finish your schooling. Use the care of your mother as a motivator.

      I certainly did that when my mom became wheelchair-bound after her stroke (up until that point she worked full-time and was very active). We knew she would need help covering a mortgage and expenses, so it made it easy to stay up late looking for freelance gigs, putting in the extra hours at my full-time job, etc.

      Let us know how the knee surgeries go – Godspeed towards a quick and complete recovery!

  34. Continue to be encouraged despite your recent losses. Thank you for sharing your feelings. I work for Hospice, and I’m reminded on a daily basis of what the important things in life are. Thanks for the reminder!

  35. I am sorry for your loss, take some time, regroup with the ones you care most about, this blog will still thrive, as it is built on the values taught you by your wonderful mother and grandfather. We all know life takes time, but death also takes time. My prayers are with you.


  36. My heartfelt sympathy goes out to you and your family. I too am very close to my grandmother, more so than my parents and losing her would devastate me. I hope you and your family can find the strength to get through this. Remember to give yourself time to grieve and heal. Other things can wait.

  37. Two things:
    I am sorry for your loss. I am 44 years old and have no generation above me, but I rest in the Lord my Jesus! I so agree with the values you have said about those people around you.

    My son JJ joined the army for EOD (Explosive Ordinace Disposal). He has wanted to be a politician since he as 12 years to change the world. But he has a convition that to be a politician you need to serve in the armed forces to see what that is all about in order to best judge how to run or protect our country. I did not give him this idea, it is his own process.

    • Your son, JJ, is a patriot, and I admire his conviction to serve so that he can one day know the experiences of those he represents, and may ultimately lead into harm’s way. It’s a poor analogy because we’re comparing sports and real battle, but it would be like someone hoping to one day be a football coach, but unwilling to try out for the team when they are young.

  38. I am so sorry to hear of your grandfather’s passing. As a matter of fact, I remember one of the first articles I read from you mentioned how he lived with you and how wonderful it was. Based on what I have read, I am sure you were an absolutely wonderful grandson, and the fact you opened your home to him says so much about your entire family, and about him.

    Take care and don’t worry about the blogging. We will be ready to read when it works out for you.


  39. Thank you for sharing such a touching and loving tribute to your grandfather. It is a testament to the decency and love that we can receive from others. I have such fond memories of grandparents that were kind, loving and hardworking farm people. Quite a legacy I would say.

  40. Sorry about your loss and hope your family can get over these losses.I think you doing these logs will make it eaeser for all.

  41. I’m very sorry for your loss. I hope their memories will bring you peace. What a wonderful thing you did for your grandfather brining him into your home. It must have been such a comfort to him to spend that time with you and your family.

  42. Very sorry for your loss. Can’t even imagine what it would be to lose two important components of your family in such a short period of time. My best wishes and prayers for strength for you and your family.

  43. Sorry for your loss. I hope the upcoming year will be filled with a little less sorrow and a lot more joy.

    You’re so right that we all need to get back to the basics that our grandparents held so dear.

  44. Your mother and grandfather still live on in you. You are strong because (and sometimes, in spite of) of your experiences and relationships throughout life, and they were a very important part of that.

    Take time to heal. No one minds if you post irregularly, but we all mind that you take the time to take care of yourself and your family. We’ll still be here. Promise!

  45. I’m so sorry for your loss. The mute button comment is so profound.

    I remember being extremely stressed out at work to the point it was affecting all aspects of my life. Then my father in law died suddenly. The instant I found out, I dropped work like a hot potato for the next week. The stuff I was stressing about all seemed dumb in comparison.

    I also connected to your armed forces commentary. I’m so thankful that there are people out there risking their lives on our behalf. No matter how stressful work is, it can’t be as bad as having to kill or be in danger of being killed.

    Thank you for such a heartfelt post. I look forward to having you back in the blogging world.

  46. I wish all of us could be a physically and mentally strong as your grandfather. We couldn’t possibly all be, though. Please extend some of your gratitude to those of us who serve our country in other ways–the teachers, the parents, the community and business leaders, the medical professionals, etc. who give what we can.

    My sympathies for the loss of your mom & grandfather.

    • Thanks for your comments. I am very appreciate of all who serve – their community, their country, their family. I just happen to be partial to those in the military because of close family and friends who have served.

  47. FD, my condolances. My father was an Iwo Jima Marine that was one of two corpsmen that made it off the island alive in his outfit (2/28 5th Mar Div).He was snipered 10 days after standing atop Mt. Suribachi and watching the first flag being raised. He always tried to tell me that family was more important than anything as all else was extraneous. I have come to learn that as he declines in health. Currently he is in a nursing home trying to get well enough to return home and my mom and I split the duty of being there for him as he nods in and out of sleep. I am fortunate to be retired where I can devote as much time as necessary to being there for him. I have assured him that if he wants to depart he can and I will take care of Mom, but he hangs in there.

  48. Hmmm never any good words at this time….I remember reading about your Mom dying last year and recognized what a huge loss you and your family were experiencing now your grandfather.The people that shape us,have profound impact on our lives or just touch us for awhile are amazing.The reference to “mute” was so on the money.I am a nurse and have observed many people’s losses.It at times can be a blessing or a curse to see the impact it has on closest family to remote bystanders.I have my freedom and sleep at night because of men like your grandfather who sacrificed for me.My wish is for peace for you.Best wishes

  49. I wanted to express my sincerest condolences to your family. I too lost my father that served for 31 years in the Air Force. He had a huge impact on my life, and there is not a day that goes by I do not miss him terribly. Unfortunately, as you well know, the pain felt does subside, but never goes away. I will keep you and your family in my prayers.

    You are right on when it comes to us getting back to how our grandparents used to do things, and when someone said something, you could “take it to the bank”

    Keep up your posting as you get chances – no rush back into the everyday swing of things – that time will come when it does.

  50. My best wishes to you and yours. My husband lost his grandma a few months ago and you are totally right – the “noise” just goes away. Neither one of us had lost someone close before and I had known her for 9 years myself…the gried physically hurt. I’m so sorry.

  51. My heart goes out to you. Thank you for the tribute to our armed forces and the service your grandfather gave to the country. As a former army helicopter pilot I can tell you that each compliment and thank you is very much appreciated.

  52. Jason, I would say this is an amazing post but that would be selling it short. I owe your grandfather a debt I can never repay. All Americans owe that debt.

    I was in the Air Force but I wasn’t a pilot. I never considered myself a warrior. Not when friends have been fighting and dying in war. I pushed paper which is one step above shoveling crap 🙂

    But I did have the chance to work with a group of Marines for several years. Needless to say, I will cherish those memories for the rest of my life.

    Selfless. Brothers. Your Grandfather. Semper Fi.


  53. What a great post! Losing your mother at such a young age must have been really tough. Losing your grand-dad shortly thereafter is a double burden. But you’ve gotten through it; good on you. As you already knew, life is tough; unfair and capricious. It’s much like investing. And like investing, I know you will succeed in this difficult time. My sympathies to you and yours.

  54. FD:

    Politics should be about advancing one’s philosophy and winning the argument. Unfortunately, so few candidates these days seem to stand for anything other than what they think you want them to stand for – and that changes depending on what focus group they’re talking to – and when they don’t stand for anything and they have either no record or a record they’re ashamed of, they resort to lies, distortions and distractions. The truly frustrating part for me is that so few candidates seem to stand for anything or want to engage in a debate about philosophy and issues, leaving the voters feeling like there’s no real difference and having to choose between the “lesser of two evils”.

    Regarding your loss… you have my deepest sympathies. I lost my grandfather 7 years ago. He too was like my father when I was growing up and there isn’t a day that goes by that I don’t miss him. Even in his absence his influence still guides me to do my best to be a positive role model for my kids and do the right thing.

    It’s never easy saying goodbye, but it’s a great lesson in what’s important. We have the memories we have of them because they new what was really important and took the time in their busy lives to make those memories with us, and for that we should be grateful. I know I am.

  55. Wow. As most have stated … very heartfelt, and (As most have stated) we all hope a speedy return to whatever normalcy is for you and family. Do what you have to do to make it work, going forward.

    I understand that “mute button” too. ‘Nuff said.

    Just keep writing from your heart, even if not for the blog. Your words and statements (above) are very direct, very powerful. If that felt good, maybe it will help during the (yours and families) recovery from the past events. I can understand it’s not easy either.

    To quote Dori in Finding Nemo … “Just keep swimming, just keep swimming!” Even when all else seems like chaos. (or, in this case, just keep writing ….) 🙂

    The hardest thing to understand in this life is … “the final act.” We’re all heading that direction and one day …. !

    Mostly we watch it happen to others, but one day, we’ll do the waving (goodbyes) too. At least you have the memories (and pictures, and stories heard, and anything else we see that will remind us) of “them” to enjoy as long as our memory will let us.

    Hang in there. Take care.


  56. So sorry about your losses! I feel deeply about the loss of your mother, my husband had an aneurysm at the age of 45 two years ago. It wasn’t his time evidentally, and he has been a miracle. No lasting effects, no major recovery other than the first 6 weeks. I saw much worse while we were in the hospital though, so I know that your situation must’ve been worse.
    And you are right. It makes you stop and think about what is truly important in life. Stuff or people. Money or relationships. Status or freedom.
    I know what I choose!

  57. I feel sorry to read about your loss. As what may other say that our greatest strength becomes our greatest weakness as well. When it comes to family, you really would like to do everything for them but sometimes we couldn’t control things from happening. Just hold your strength and faith to God above. Hoping your days to come will be better.

  58. New to this site, a fresh 60 yr old retiree, totally debt-free. Mom is still working for a couple, or a few more years. We think we are fairly well set financially, but one never really knows, how could you?

    I get a pension from my employer (about 28K) but, also health insurance.
    I am rolling my 401K over to a mutual fund Co. who is known for their “low costs” and it is where I have managed our ROTH accounts for years.

    I have consulted with many of these so-called financial “gurus” and have been provided with a lot of bad advice, high cost underperforming funds, or told to buy an annuity.
    I am thinking HARD of selecting my own mixed portfolio of mutual funds, and bond funds, and managing it myself.

    I think I’ll set-off 2 years of cash reserves into a short-term bond fund, investing the balance as I see fit.

    For 2 high school graduates we think we did OK, total investible assets are about $570K. I am looking to shift about 20 grand every year into our ROTH’s, as that is how much I can “shift” without hitting the next tax bracket. Should I make 70.5 the mandatory withdrawals will be less.
    Right now, I see no need to tap into this 401 money. We have a decent emergency fund.

    Is there any reason to believe the financial geniuses (one who leases his cars) can do better than I can?

    Sorry for your dual losses, that is a lonely walk. As a survivor of a Hemorrhagic stroke myself back in 1996 I realize how easy I could be on the other side. Someday surely, hopefully not today

  59. So sorry about your losses! I feel deeply about the loss of your mother, my husband had an aneurysm at the age of 45 two years ago. It wasn’t his time evidentally, and he has been a miracle. No lasting effects, no major recovery other than the first 6 weeks. I saw much worse while we were in the hospital though, so I know that your situation must’ve been worse.