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Spray silicone on a large swab and apply inside rubber run channels

after taxes and healthcare insurance me and the wife live on 4402.00 No debt. I put 400 a month towards my next cash car , 275 on grandkids . 500 a month for vacation Been doing this three years now. YellowStone , twice Vegas , and next month Florida.

A few points. 1. most social security recipients did not pay taxes already on their benefits, since their employer contributed half of the annual payroll tax contribution. Only self employed individuals paid the full payroll tax. 2 The taxes on social security benefits are paid to the Social Security Trust Fund, extending its solvency. 3. Since this doesn't go into the general fund, it is indirectly a cut in benefits. About half of social security recipients are actually taxed. Of those, the most adversely effected financially are probably those who have limited additional taxable income and have to pay the tax. For high income taxpayers, the burden is usually minimal. The failure to index the income thresholds since 1984, when the law was passed, is probably the main reason why low and middle class taxpayers are caught in the middle of this tax issue.

Its just wrong. It should never have been taxable. Thanks Joe Biden!

I smootched the like button Josh, 😅

Ya but Josh the wife and I want to live like ballers in The Villages! Lol

I think I heard Like Button Junior screaming what about healthcare?! 😉

I have zero debt, own home and drive clunkers. I live like a king on what would shock most of your subs. Being confident, resourceful, self sufficient and handy goes a long way towards saving money and keeping busy. It all starts with attitude IMO

the government was built to bleed people after retirement of every last penny. they have been steeling from us for 100 years!

You don't know what you're talking about and we know you're not FOR Trump and will find ANYTHING you can to push people against Trump. I wouldn't give you or videos a like. Your making good money to complain about having to PAY YOUR FAIR SHARE. 😂😂 Sound familiar? Good!

Well, I retired at 65, which I still consider to have been just perfect. I really did not want to retire earlier than that. Went to the SS office & signed up for SS & Medicare all at one time & it was very easy. Hey Josh, remember the other day when you were talking about reading Anne Rivers Siddons?, which kind of surprised me & it jogged my memory about her & I got her book, The House Next Door, which is one of her earlier works. Very engaging & kind of spooky. Here's one to add to you reading list...Fever in the Heartland by Tim Egan. It's about the Klu Klux Klan. Whew! Very interesting.

Remember the Hole in the Ozone was gonna Kill us All? Btw AOC Said we only have like, 12 years? 8 years ago! So only about, like, 4 years left? Why bothrr to plan?

Those planes will Fly whether i am on it or not? I rarely Fly so am i an Anti-Carbon social warrior? They cant outlaw Water Vapor which is largest greenhouse gas?

If you are That afraid of running out of money? BUY An Annuity! That anx Soc Sec will pay for Life no matter how long ypu live?

Yeah, the Good News is by the time u are Broke u will already be Dead?

Even if BROKE? I will still have Soc Sec and a Pension check every month?

The difference is living or retired comfortably. I am sure SS is enough for people to maintain basic living or surviving. But if the retirement includes two international trips and multi domestic trips. Enjoy fine food once in a while. Don’t have to worry if the roof or HVAC needs replacement. Then you will need more than SS.

Get a new car. 👉 Remember that the squeky wheel doesn't always get the oil. Sometimes it gets replaced. 💁‍♂️💁‍♂️💁‍♂️💁‍♂️😎

The title reminds me of a CZcams channel called Buzz's Retirement Garage, where Buzz left his job in late 2023 at age 63 when his company was about to encounter financial troubles, and instead of searching for another job, decided to try to live solely on his and his wife's social security total of $3783/month. The main videos I watch are the ones at the end of each month where he breaks down their expenses from that month in great detail. He's not super knowledgeable about personal finance, but he doesn't pretend to be, and that sort of real, in depth information is just so interesting! It helps that he seems like such a genuine, likeable guy, too.

We make less than $5000 a month. And we're fine

Definitely not close to surviving on what my SSI is going to be! We spend about 7-8k per month and don’t do a lot of frills. Taxes, insurance, and maintenance on my house is over 2500 a month.

Every persons situation is unique. $5k in California wouldn’t cut it even if you are debt free however in Wyoming or many other states you can live just fine. Also depends on needs and wants. You may want to travel in retirement - not cheap either domestic or international. Need an emergency fund - refrigerator craps out of transmission goes in the car. Again, just saying it depends on your individual circumstances.

Years back they wanted the kids to learn to read. Trouble is they never shared the story of The Little Red Hen

My family lives on $4200/mo.

If you cover your needs every month and you have money left over to pay for wants, and still have money left over, you'll be fine. If you gave money left over after needs and wants and save some of that money consistently, you'll be content.

Are you figuring that right now? Because if ssa is tax free why are you including it in adjusted gross income?

We are currently living on 1500.00/month. SS in 5 yrs will be 6k a month. Hmmmm who says you can’t live on SS. That will be a huuuuuge pay raise for us.

$6000/mo is really good income. People that think otherwise are out of touch with the avg person in America.

Like button kids LOLOLOL! Keep killing it Josh!

I live on so little Home paid Low Property Taxes Car Paid Know the Mechanic that also owns a junk yard with my car specific. NO C Card Debt. Food is my biggest expenditure. Almost like a High School Kid

I don’t understand why this income is tax free from federal taxes?

Think about this. 42 million families live on less than this, me included.

I agree with you 100% the school my wife works for has no loyalty. She works for a charter school she fell on the job and never really cared about her she hurt her knee and had surgery. They never once asked how she is doing. The thing she fell over is still there.

I'm going to rely on Obamacare subsidies and social security. don't hate me bro

tax free

Josh, this video was so good, I fondled the like button Twice! 😏

Good morning 🌞

I’m 61. I can take SS in April 2025. I have a$500 k saved. I’m not sure what to plan for. I have health issues. My work insurance is fantastic. I like my job, but I feel like I should move on. What should I do?

Pablo wants to live in that bag 😂

If you want to help senior citizens, especially those on social security and medicare part b, take their AGI after deductions. Those who gamble won't end up paying 85% social security tax plus maximum part b cost for the next year. Seniors like to gamble, but just one win of a few thousand dollars (which you lost) could cost you a lot in taxes and medicare part b. I know - it happened to me.

Sorry but, I don’t want to be fine, I want to be loaded!!!

Josh, AGS SIL-Glyde Multi-Purpose All-Weather Lubricating Compound applied with a finger to the weatherstripping where the window rides will quiet the annoying window. Ten bucks on Am*zon.

I agree with Josh. People make too big a deal about it in most cases. I have been retired almost 5 years now (when I was 56) - and if I add up my premiums plus out of pocket (medical & dental ) and compare it to what I spent on healthcare in 2019 while still working it’s only about $2k a year more in 2024. Even if it was 5k more than 2019 I’d have no regrets about retiring early! COBRA from work for most of 2020 was actually THE most expensive healthcare year I ever had! 2021 was $1000 less than 2019 with employer insurance. Now $2k a year more than 2019… not a big deal. Not much more than Medicare B plus a Supplement. Don’t let it keep you from retiring if you are otherwise ready. Don’t just assume it’s THE big difference maker like the MSM and some so-called finance gurus preach!

Get to the point and focus on your point please!!!!!!

Who Dey!!

PPO’s are a waste of money in my opinion. You don’t get any better care and the premiums are higher. You do get a bigger pool of MD’s to choose from and that’s about it. Never had a PPO in the 35 years of employment and I lived to tell about it. When working, healthcare was running about 250.00 a month give or take. My IRMAA charges will actually end up being more than that in retirement.

This is truly a great, easy to understand practical demonstration of how it works. Thanks.

I've heard the one wife rule before. That's one of the financial advantages of being Catholic. Also teaches you to not chase every golden idol. Good stewardship is different than building a bigger barn for bragging rights.

I’ll trade you one pool for a couple of classic cars and maybe a nice old pickup - but that’s just me……..😂

Retiring the end of the year from coj at 62 single , paying $50 a month for medical, dental, and vision presently . Company offers the same benefits at retirement for $700 a month presently until 65