Good afternoon fam! I've been sharing with family and friends, I've got a question, I call myself late in the game, but just right on time ..67 year old divoice woman, just started getting my social security and working full time, my social security is not near enough to quit work, still have a mortgage . Which steps do I need to take in investing . Help

Caregiving can often undo one's retirement plans. Below is an article discussing the financial cost of caregiving, particularly for daughters. I am glad this community helps us plan for ourselves as well as loved ones. https://www.businessinsider.com/millennial-daughters-boomer-parents-career-savings-penalty-2026-4?op=1

We used to make good money and save diligently. But our money just sat in bank accounts and retirement accounts while we watched others grow their wealth in ways we didn't understand. It sucked because we felt too embarrassed to ask for help without looking foolish while working at an investment bank. We lived through the 2001 and 2008 market crashes but, investing felt too risky for people like us because we grew up without money. But then, in business school, we learned portfolio theory. We realized most mutual funds were largely a waste of time and that we could manage our own money better ourselves. Which led us to managing our own portfolios, achieving over 22% returns, building $10K+/month in passive income through real estate and the stock market, and retiring at 34. Want to know how we did it? Reply YES and I’ll DM you the details.

A few years ago as i was exploring my deferred 457 retirement plan app, I ran into a section “Self Directed Brokerage Option” that permitted me to transfer money from my regular retirement account to independently purchase EFT with Charles Schwab. I jumped on the opportunity and did fairly well. Now that I am retired and I am unable to transfer from my regular retirement account into CS would I be able to contribute money? BTW for those of you with the deferred 457 retirement plan, you should look into this section.

Hi everyone, I am new to the community and have questions about if there is a place where we can post questions we have? For example, I am trying to figure out what it means to buy bonds the closer I get to retirement. Does that involve selling stocks and then buying bonds on the treasury website or buying bonds that in stocks in my portfolio? Appreciate the help :-)