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I am delighted that this month’s Reader Case Study features a subject who is older than me! I cannot tell you how thrilled I am to india designer anita dongre collection 2018 bring you the story of Lucy, an active 57-year-old nurse with questions on her retirement and next career. Much as I love all the younguns’ I’ve featured in Case Studies, I was over the moon when I received Lucy’s email and her request to serve as a Case Study subject since there are so many positive financial lessons for all of us to embrace at any age. I’ve gotten some flack for not featuring more diversity in the Reader Case Studies, but I can only feature the people who submit studies to me. So if you consider yourself a “non-traditional” Case Study subject, please with your story!

Ok, ok, back to the topic at hand… Case Studies are financial and life dilemmas that a reader of Frugalwoods sends to me requesting that Frugalwoods nation weigh in. Then, Frugalwoods nation (that’s you!), reads through their situation and provides advice, encouragement, insight, and feedback in the comments section. For an example, check out . I also provide updates from our Case Study subjects at the bottom of each Case Study several weeks/months after their story is featured. To see what past Case Study participants have decided to do, check out the  and scroll to the bottom of the individual posts.

I probably don’t need to say the following because you all are the kindest, most polite commenters on the internet, but, please note that Frugalwoods is a  where we endeavor to help one another, not to condemn.

With that I’ll let Lucy, this month’s case study subject, take it from here!

Lucy’s Story

Lucy

Hello, Frugalwoods nation! I’m Lucy, I’m 57, and I work as a nurse at a teaching hospital in Boston, MA. I was born and raised in Kentucky, but came east for college and have lived in New England ever since. I’ve called a suburb outside of Boston home since 1991. My husband and I amicably divorced in 2007 and we have three wonderful children. I’m delighted to report that my oldest two are gainfully employed and living happily in Seattle and Brooklyn respectively, while my youngest is a student at the University of Massachusetts.

While in college, I studied Comparative Literature and spent my senior year in India. I returned to the United States wanting to do something that involved my hands, heart, and brain. For a year, I taught school in Kentucky and then moved back to New England in order to attend graduate school to become a nurse practitioner.

Lucy’s Career

I practiced as a nurse practitioner until five years ago when the Boston teaching hospital where I work began replacing nurse practitioners with physician’s assistants. I decided to continue working as a nurse because I find my work in an ambulatory high risk obstetrical unit caring for women from around the country and globe a very meaningful pursuit. Continuing my career as a nurse entailed increasing my hours from 32 to 40 per week, but with the same income.

Health care is undergoing a lot of changes and it increasingly feels as though nurses are asked to do more with fewer resources. There’s much more haggling with insurance companies and less direct patient care as well as talk of another nurses’ strike. Work takes a lot out of me and, despite living eight miles from the hospital, the commute takes 1.5 hours each way. Running to work takes the same amount of time as taking public transportation! I work four ten hour days (leaving home at 5:25am and returning at 7pm). I like working four days, but recently there have been murmurings that I may need to work five.  Most days I run to work and treasure the beauty and the quiet of running along the Charles River and over the bridge to Boston.

Lucy’s Home

Lucy’s home

In 2009, two years after my divorce, I bought my ex-husband’s share of the house we purchased together in 1991 because I love my home!

It’s comfortable and spacious enough that I can host friends and family regularly. The mortgage and upkeep are expensive, but I greatly enjoy my garden, my neighbors and friends (some of whom I’ve been in a book group with for 25 years!), and can run to work from home. I took on a roommate and his dog in 2016 and this has helped with some of the expenses. I don’t want to sell because I truly enjoy my home and it has proven to be india a good investment.

Lucy’s Future

I feel as though I’m in a bind right now. My family, including my elderly parents, live elsewhere, my work is exhausting and too often I feel lonely and tired. I’d like to work fewer hours and in a less stressful environment, preferably with family nearby, but I’m reluctant to move because I can’t imagine making the same salary anywhere else (and, like I said, I love my house). For the next few years, I am helping put my youngest child through college–he is slated to graduate in 2020–and we both benefit from the health insurance and benefits offered through the hospital. I’d love to be in a mutually loving and supportive relationship, but dating in middle age is not easy. I’ve tried online dating and would rather run a marathon and have a colonoscopy than try that again! At the same time, I’m not sure how much longer I can live and work in a place far from my children and family of origin.  Something has to change.

Where Lucy Wants To Be In 10 Years:

  • Finances: I’d like to be financially independent with my mortgage paid off and able to retire from my current job. I’d like to be contributing to the world in some way, whether through working with the dying or taking care of grandchildren or volunteering with the PeaceCorps. I wouldn’t mind continuing to work wherever I find myself, but I don’t want to HAVE to work for financial reasons. Once my mortgage is paid off, I could rent my house out as the rent would more than cover the taxes, insurance, and upkeep.
  • Lifestyle: In ten years, I look forward to either helping my children with grandchildren (should I be so fortunate) or helping the world in some other way.  If I move and am not ready to sell, I have considered renting my house. I want to stay physically active (running, swimming, yoga), and I want to be outside as much as possible.  I love to write and for more than ten years have kept a daily gratitude journal. I like travel and in May am going to Israel and Palestine with monks from the Society of Saint John the Evangelists, a monastery in Cambridge where I worship on Sundays.
  • Career: I envision myself finished with my current job and doing something else. I love Atul Gawande’s writing and working with patients at the end of life has long held appeal for me. Or perhaps gardening.  Whatever it is, I want to slow down the pace.

Lucy’s Finances

Income

Net Income Amount Notes Salary,122.74 After health, dental, vision, T pass, 403(b) deductions. automatically re-routed to savings and 0/week routed directly to Joint Account (see below). After 403(b) is maxed out for the year, my paycheck increases by,804. Rental Income 5.00 Monthly Total: ,047.74   Annual Total: ,572.88

Expenses

Item Amount Notes Mortgage (including property taxes and insurance),308.28 Interest rate of 3.375%, will be paid off 4/1/27; includes 0K umbrella insurance Joint Account Contributions,083.33 Contribution to joint account with ex-husband to cover in-state tuition for our youngest child as well as his car insurance. When this child graduates in 2020, these monthly contributions will end. Groceries, food (including restaurants), and household supplies 3.33 I shop at Market Basket and Trader Joe’s. This total includes all lunches at work, coffee out on weekends; I rarely go to restaurants. Vacations and travel 0.00 Includes visits to see elderly parents & children living in other states Charity 8.33 Monastery, PMC, 10Ks, walk for hunger Gifts 0.00 For children, family, friends, and work colleagues Utilities: Gas 7.00 For heating house and the gas stove Car (insurance, gas, registration, maintenance, EZ pass) 4.67 2016 Honda Fit (paid for) Cleaning person 0.00 Once a month cleaning person Union Dues & RN Licensing Fees 3.50 Clothing 0.00 Home repairs and maintenance 0.00 Chimney sweep, plumbing issues, broken dishwasher, etc. Entertainment.00 I go to a Broadway show once a year Life insurance.52 20 yr term policy 3/7/08 0K beneficiary Utilities: Water.25 Haircuts, mani-pedi, and makeup.00 Utilities: Electric.40 YMCA membership.00 Cell phone.57 Provider is Verizon. I tried Ting last year but there was no service availabe at the hospital. Internet.62 Gardening supplies.66 Jpay Donation.00 Non-tax deductible monthly support for prisoner Medical expenses.00 Including contacts and glasses The New York Times subscription.00 The New Yorker subscription.00 Total Monthly Expenses: ,719.46   Total Annual Expenses: ,633.52   Net Savings Per Month: 8.28 Most of this is saved for shorter-term needs such as a new car, iPhone, roof repairs, etc.

Assets

Item Amount Notes House 9,958.00 403(b) 6,964.85 Retirement Account at Fidelity: includes 5, 947.42 Fidelity Total Market Index Premium Class and 11,017.43 Vanguart Inst Tr 2025 Traditional IRA 9,534.24 Vanguard Total Stock Mkt Index: 2669.24 shares =172,406.28 and Vanguard Total Bond Market Index Fund 6238.66 shares =67,127.96 Cash balance account (pension through work) 8,506.00 Joint Account (for youngest child),022.16 Contributions to this will end in 2020 Life insurance,826.15 2 policies-whole life-death benefit 86K, one bought when I was born; I also have free life insurance for 1x my salary thru work and pay Retiree Medical Savings Account,121.44 Offered through my employer. Roth IRA,272.11 Vanguard Total Stock Mkt Index Cash Savings,180.96 Taxable investment,262.34 Humana Stock @ Fidelity Cash Checking,638.28 Acorn,616.45 An investment app that rounds up user purchases and invests the change in a robo-advisor managed portfolio. In addition to the rounding up of purchases, I authorized them to draw a week from my checking account to invest. I’ve had the account for a couple of years invested in their most aggressive investment profile. Total Assets: ,964,902.98

Car

Item Amount Notes 2016 Honda Fit,000 (Kelly Blue Book value) Paid off

Debts

Item Amount Notes Mortgage balance 0,130.50 Home Equity Line of Credit

Stylish Boys DP Profile Pics for Facebook & WhatsApp, this is what this whole article is based upon. Most of the Boys search for Attitude Boy DP for WhatsApp or Stylish Boy Profile Pictures. Maybe you are one of them. While some sad or you can say heart-broken male like to download Sad Boy DP or Alone Boy WhatsApp DP. But, if you are a happy person then surely you will go for Cool Boys WhatsApp DP or Dashing DP for Boys. So, after checking all of your requirements, we have shared an ultimate collection of Cool & Stylish DP for Boys. You can use these photos as a profile picture on , Facebook & Instagram.

Today’s generation loves to download WhatsApp DP which is unique than others. In which, most of the boys do search for Stylish Boy DP for Facebook and other Social Media profiles. In this article, we are going to share lots of Stylish Boys DP for WhatsApp DP & Facebook profile picture. I know every boy loves to find Attitude Boys DP in HD format to use as a display picture or on their phone Wallpaper. After searching a lot on the whole internet, I have collected some Cool and Stylish DP for Boys. Now, it ‘s time to share all of them with our readers. This whole article is fulfilled with lots of unique DPs for Boys only.

Boys DP for Whatsapp & Facebook is much popular nowadays. What I have found that thousands of people search for Cool & Stylish Profile DPs (Display Picture) on the internet. But one of the worst result they found every time is that no site has shared any new collection. Most of them are not updated from years. Well, no problem we are not one of them. On my blog, you will get latest Attitude DP for Boys and other similar profile pictures which can be used on any Social Media account. Check our shared images one by one because I am sure all of them are awesome and you will definitely like most of the photos.

So you are looking for Stylish Boys Profile Pictures DPs for Facebook & Whatsapp. Am I right? I think your answer is YES!! Okay, Let you know here you will get Attitude Boys Whatsapp DP collection. Many people are looking for Boys Facebook DP on Google. So, I had decided to share all type Cool Boys Profile Pictures collection in one place. On Whatsapp, we all play with our friends and likes to change our Profile Picture daily. It is very hard to get new unique DP for Whatsapp again and again. But don’t worry, in this special collection, I am completing your all wish.

We have decided to share something new for Social networking websites lovers. Yes!, in this article I am going to sharing some of the top boys’ cool profile DPs for Facebook and Whatsapp. These are the latest stylish profile DPs for boys which are collected from various sources and now I am going to sharing these new unique boys DPs on Facebook with you. It is very hard to find them on any other websites on Google. Download awesome boys DP for Whatsapp and enjoy a new look at your profile. Many people are interested in joining too many groups, for them, I have shared a large collection of Whatsapp Group Invite Links.

Contents

Here are the more than 100 stylish boys DP for Facebook and Whatsapp. All of these are latest DPs for boys which are collected from different-different websites by me. And I am sharing all of these boys attitude DPs with you. You can surely love all these new boys profile pictures because they are unique which you have never seen before. So download them and enjoy them on your account.

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Alone Boy DP | Sad Whatsapp DP for Boys

Many times in our life, we face lots of bad times for a while. In this meantime, all Boys & Girls like to download Sad WhatsApp DP to use as a profile picture. This shows all of our friends that you are sad and want to stay alone for a while. Well, it is not an easy task to find such type of suitable images for boys. Am I Right? Yeah, even I am sure you have also faced the same situation. But, don’t worry as it is the time to complete your wish. Have a look at some Alone Boy DP Images shared below? Also, check out & (best ever WhatsApp MODs).

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Best WhatsApp DP for Boys

Do you think, finding Best WhatsApp DP for Boys is very hard to find? If your answer is Yes then you are absolutely right. Nowadays, all the websites are sharing same Boys Whatsapp Profile DP which are copied from other websites. Obviously, no one wants to use those Profile Pictures as they are normal in these days. Everyone looks for unique & Dashing DP for Boys. Right? Yes, who doesn’t? But from where we will get such type or WhatsApp Profile Pictures? Let you know, below in this article I am going to share lots of WhatsApp DP Images of your choice.

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Boys love to search for Attitude Cool Stylish Boys DP Profile Pictures for Whatsapp & Facebook. On, Google there are thousands of awesome images are available but not all of them are attractive. Nowadays males look for something Unique and Attractive that’s why most of the ranking websites for Whatsapp Profile DP, are not much liked by them. But, we searched a lot on this and collected a cool Boys DPs collection which is so hard to find anywhere. Generally, we shared Android Tutorials and Whatsapp Tricks but this article is totally based on Profile Pictures for Boys. If you have any Group then you will like our collection too.

Here are the best profile pictures for Boys, which are Unique, Stylish and Awesome. You don’t need to search again on Google after getting all these images to your mobile or computer because you will get a huge collection of cool boys photos for Facebook and Whatsapp in this whole article.

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Stylish Boys Profile Pics for FB

Most of the person loves to download New Facebook DPs for Boys. So, we decided to share Cool Boys DP for Whatsapp which are best Cool and Stylish pictures for Boys. If you are a young boy then I am sure you love to find Stylish Boys Pics & DPs for Facebook and Whatsapp. Not, only boys, nowadays, even Girls are defeating us in changing profile pictures daily. So, what if you will find all latest DP for boys for Whatsapp collection at one place in which I include all types of Cool Boys Profile DPs? Don’t worry, we are providing best FB DP for boys attitude collection to you.

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Dashing DP for Boys

Now, its time to share some Cool and Stylish pictures for boys for you guys. Every Boy loves to find Stylish cool Boys profile pictures or Cool Boys DPs. DP means Display Picture. Boys DPs are the most searchable word in Google nowadays. As Whatsapp & Facebook are much popular in youngsters. Every boy whose age is above 13, have an account on each and every Social media apps and website. Boys love to change their Profile pictures daily and for that, every day they search on the Internet for Cool Boys Profile pictures, Stylish Boys DPs for Whatsapp, Attitude Profile DPs for Boys and all. Let, check our Latest Boys DPs Collection in below section. Also, check our .

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Stylish Boy Pic Images HD

Most of the youngster Boys search for Cool and Stylish DP for Boys over the internet. Well, the internet is fulfilled with all kind of images. All you have to do is, keep searching for hours to select the Best Display Picture for you. Isn’t it so boring task? According to me, Yes it is. Now, what to do? Wait, what if I say that I have the best solution for this problem? Yeah, actually, I am going to share lots of coolest Dp for Boys and I am sure you will love these all. We have already shared an amazing collection of .

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When it comes to finding best Love DP for Boys then it will become one of the hardest things for us. Females have enough knowledge of love but males are very weak in this section. We have seen many boys search for for their Whatsapp and Facebook profile picture but they face any problem in selecting the best photo for them. But here are some of the best love images for boys which don’t need any suggestions, just download these and use on your account.

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Stylish Boys DP for Facebook

As people are getting addicted to Social Media, they keep changing their profile DP after a short interval. Where Boys have gone crazy in searching for Stylish Boys Profile Pics DPs for Facebook & Whatsapp. Yeah!! Not only on Whatsapp, even on other Social networking apps and websites, Boys DPs is a hot topic. If you like to search new Wallpapers also, let you know we had recently shared some cool too for Desktop and Mobile screen. We all boys love to find best attitude Boy DP for Facebook. Above I have shared some, it’s the time to download some more Handsome Boys DPs, Awesome DPs for Boys, Sad Profile Pics For Boys and all. Go scroll down and check out more images. 😀

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Cool And Stylish DP For Facebook

Cool boys like Cool & Stylish DP for Fb and WhatsApp, right? f you are one of those then it’s your time to collect some your desired photos images. As we have already shared many WhatsApp DP for Boys Attitude and other categories, it’s time to share some Cool and Stylish DP for Boys. You will surely get all of your desired best WhatsApp Profile Pics for Boys throughout this section.

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New WhatsApp DP For Boys

No one loves outdated things no matter it’s your phone update or your Whatsapp DP. As like we always stay up to date with all current affairs, we also like to change our DP on Social Media account in very few time interval. It’s the best idea if you use your personal photos as a profile pic. but if you don’t want to use it and looking for more new Facebook DP for Boys then this article is specially written for you. We have searched a lot and collected 100+ images only for boys.

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Baby Boy DP for Facebook | Baby Boy DPz

Baby Boy DPz images look pretty on our profile if you have ever seen on any already. They also don’t take much time in selecting unique photo because all of baby boy profile pictures look very cute and stylish. Below are some such type Stylish Baby Boy DP for your WhatsApp or FB Profile picture. Now, it’s time to make your profile Cute & Stylish both using such DPz.

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Awesome DP For FB For Boys

People who don’t have any selected category in their mind, directly search for Awesome DP for FB. Maybe you are also one of them. But, if you then no need to worry about as we are going to share some best DP for Facebook for Boys. You will get an ultimate collection of Awesome Profile Pics for Fb for Boys after this paragraph. So, without wasting much time just scroll down.

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Love DP For Boys | Romantic Profile Pics for Boys

It’s time to share something special for all Lover Boys. 😀 Many boys love someone or they have a crush on someone, right? Yeah! Such type of boys uses Love DP for Boys as a profile picture. As it’s not a special task to find WhatsApp Love DP for Boys, we have searched a lot and collected some Love Profile Pics for Boys for FB. You can use these images on your Social Media profile and express your love in front of all friends.

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DP For Boys HD

Boys try to use something new and unique that’s why they update their profile picture regularly on Social media. Whatsapp is most popular in all social media chatting apps and websites. Most of the people use their personal photo on their Whatsapp DP because it is one of the securest chatting application as no one can message us without getting our phone number. Whereas on Facebook, anyone can see your profile, can message you so people make their account personal by not uploading any real image and real details. In that case we all search for best Facebook DP and photos on the Internet to use as a profile dp. So we here collected this awesome huge collection only for you. Have a look at them.

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Cool And Stylish Profile Pictures For Boys

Want some Cool and Stylish Profile Pictures for Boys? Okay, here that are. Almost all boys like to download some special types of DPs which are different than anyone others. But everyone is copying others photos and making them their own profile picture. But what if I will provide you some unique photos? Isn’t it a cool idea? I am sure you all will like my this awesome collection which is especially shared for stylish DP lovers boys. Have look at them and let me know your opinions through the comment section.

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DP For Boys For WhatsApp

WhatsApp has removed its Status feature so now it isn’t much interesting like before. But still there are many people who are addicted to it, they use this Social networking app like before. That type people are more interested in Boys and all. Don’t worry, we will provide you latest collection whenever we find, you will never feel old by our articles. Bookmark this page for more future updates. Check out collection also.

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Attitude DP for Boy | WhatsApp DP Attitude

If you have ever seen, most of the boys like to use Attitude DP on their phone wallpaper and on their social media accounts. Do you know why? The answer is simple, The attitude is the way a person, behavior that employs an individual to make things. We are sharing some of the best attitude dp for boys.

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.00 K line of credit to be used as an emergency fund if needed. There are no fees associated with this HELOC, which I’ve had open since 2011. If accessed, the interest rate would be prime rate minus 0.510%. Total Debt: 0,130.50

Lucy’s Questions For You

  1. How much money do I need to retire?
  2. How can I pay off my mortgage sooner than 2027? I want to retire in 2025 when I am 65, if not sooner. My mortgage ends in 2027.
  3. Should I change my investments or asset allocations at all? Or do they seem correct?

Mrs. Frugalwoods’ Recommendations

Lucy’s garden

I have to start off with massive congratulations to Lucy for putting herself in an excellent financial position. She’s made some wonderful choices over the years and created quite the nest egg from which to ponder her retirement.

Having the ability to choose what she wants to do in retirement–and having the financial backing to actually retire–is fantastic. Weathering a divorce is no small financial feat and she appears to have emerged unscathed and in excellent financial shape. So, hats off to Lucy for a lifetime of fiscal prudence!!

And now, let’s address her questions in turn:

Lucy’s Question #1: How much money do I need to retire?

The answer is that it depends entirely upon how much you spend every year. There is no one-size-fits-all, magic “you may now retire” number for everyone because this dollar amount is calibrated–in full–on what you spend every year. There’s really no other way to calculate it. It’s no simpler or more complicated than that. But this question leads me to what I see as the huge, overarching elephant for Lucy to ponder as she contemplates retirement…

Lucy’s House

Lucy owns a fabulous home in an even more fabulous suburb of Boston. Since I happen to personally know this real estate market better than most (as my husband and I ), I can speak to this with a bit more knowledge. The value of a home–and its potential for resale or rental–is almost ENTIRELY dependent upon the market in which it is located. Just like there’s no one-size-fits-all dollar amount for retirement, there’s also no guarantee that a home will be a sound investment (in many markets, it’s not). But fortunately for Lucy, she owns in one of those red hot areas of the country. However, this also means that by living in her home, it’s a majorly undervalued asset. In reading through Lucy’s case and finances, whether or not to sell her home is actually her biggest, and most crucial, decision to figure out. The value of her house–and percentage of her net worth that it represents–is enormous and dwarfs everything else.

This is not necessarily a bad thing, but she needs to decide what’s more important for her future: 1) to live in her house; or 2) to sell the house and use the proceeds as part of her broader portfolio and have the option to do just about anything with her time.

Staying In The House

Lucy’s backdoor

The argument for Lucy to stay in her house is that she loves it and greatly enjoys where she lives. And that is a perfectly fine thing! It wouldn’t be wrong for Lucy to remain in her home, but it would limit her financial agility since the house is worth so much more than she’s extracting from it (in a financial sense).

Her decision to have a roommate is an excellent one (bravo!) and if she does want to remain in her home, this is one way to defray some of the expense. Not selling her home isn’t the most financially optimal thing to do, but if it’s what she wants to do, then that is just fine. As long as she knows she is spending money on her living situation in order to increase her happiness, it’s a perfectly reasonable thing to do. Other than being a place to live, the home is not currently providing her with a return on her investment.

Selling The House

On the other hand, if Lucy is open to selling her home, it’s likely she could retire much sooner than her projected date of 2025. She should run the numbers herself (as I am not a financial professional), but I believe if she sold her home and finished contributing to the Joint Account for her youngest child when he graduates from college in 2020, she could retire at that point. Easily. And with plenty of money. I think this for two reasons:

  1. Selling the house would net her quite a bit of cash
  2. Her expenses would decrease quite a bit if she no longer owned such a large home

Digging into #2 for a moment, without the house, she’d eliminate the following from her monthly budget:

House-related Expense Amount Mortgage,308.28 Utilities: Gas 7.00 Cleaning person 0.00 Home repairs and maintenance 0.00 Utilities: Water.25 Utilities: Electric.40 Gardening Supplies.66 Monthly Total: ,832.59 Annual Total: ,991.08

Additionally, given the fact that she’ll be finished contributing to the Joint Account for her son’s college education in two years, that’ll be another ,083.33 per month (,999.96 per year) saved. The elimination of all house-related expenses, and the Joint Account contributions, would save Lucy,991.04 per year, which coincidentally, is in the ballpark of her annual take-home pay. Obviously she will need to live somewhere and will still have utility bills to pay; however, if she were to downsize to a condo or apartment, her monthly outlay would likely be much less. This could be particularly true if she were to relocate outside of the Boston area in order to be closer to her kid(s) or parents, which is something she mentioned possibly wanting to explore. Without the heavy overhead of the house, and without the Joint Account contributions, she could retire to a lower cost of living area quite easily.

As a sidenote for consideration: since Lucy is single, she will receive a 0K exclusion on the capital gains taxes for the sale of her home (meaning that she won’t be charged taxes on the first 0K of capital gains). If she does decide to sell the house, she can put the money into diversified investments that meet her risk tolerance and income needs and then go do whatever she wants.

While Lucy said that she loves her house and doesn’t want to sell it, she also noted that she feels as though she’s currently in a bind and that something has to change about her life. Selling the house would grant her a significant amount of financial freedom and stability, so I’d say it’s something to at least consider.

Renting The House

Lucy mentioned the possibility of renting out her home and I’d encourage her to explore the numbers on this in greater depth. Her suburb is a good place for rentals, but it’s not the hottest in the Boston area and I have a sneaking suspicion she’d do better by selling. However, this is another area where running the numbers will be crucial! Lucy should have both a realtor and a rental agent come out to the property (they do this for free and it’s how we decided to rent our place) and have them assess the home for its monthly rental and potential sale prices. If she decides to rent, she’ll need to factor in the cost of a property manager (unless she wants to self-manage), a maintence fund, a vacancy fund, insurance, repairs, etc. For more on how to be a landlord, I recommend the site BiggerPockets.com.

Where Does Lucy Want To Be And What Does She Want To Do?

Lucy’s kids

The house consideration really boils down to the question of what Lucy wants to do and where she wants to live. If she is interested in retiring sooner rather than later, she should sell the house and downsize dramatically. Conversely, if she’d prefer to stay in the house and continue working, she should plan for a slightly later retirement.

Either option is fine and it’s much more a question of what she wants to do as opposed to a financial quandary. From a financial perspective, this house is a fantastic (though currently underutilized) asset and she’ll do very well when she decides to sell it and move on.

Lucy’s Question #2: How can I pay off my mortgage sooner than 2027? I want to retire in 2025 when I am 65, if not sooner.  My mortgage ends in 2027.

First off, Lucy doesn’t need to pay off the mortgage before selling the house if she decides that’s the route she wants to go. And, as mentioned, if she were to sell the house, I believe she could go ahead and retire at that point. However, if Lucy wants to stay in the house and work until 2025, there are only two ways to pay a mortgage off faster:

  1. Reduce expenses
  2. Increase income

First option: Reduce expenses. Let’s take a look at Lucy’s expenses to see what she could eliminate. Lucy’s spending is perfectly fine, but if she wants to either pay off her mortgage faster or retire sooner, then she does have a lot of low-hanging fruit that could be eliminated:

  • Gifts: 0/month (,800/year). This is an area that could be reduced with the application of some frugal gift-giving hacks, or with a decision to perhaps pare down the gift-giving list. Here are a few posts on how to spend less, but still give gifts from the heart:
  • Cleaning person: 0/month (,440/year). Not exactly a necessity and something that could be eliminated if Lucy has an earnest goal of paying off her mortgage faster. Here’s some motivation for cleaning one’s own home:
  • Clothing: 0/month (,200/year). Lucy could embark on a clothes-buying ban in order to save this dollar amount every year. I’m in my fourth year (and second pregnancy) of a clothes-buying ban (with last year), so I assure you it can be done. A few posts for inspiration:
  • Entertainment: /month (0/year). Another category that could be eliminated if Lucy wants to save more every month.
  • Haircuts, mani-pedi, and makeup: /month (0/year). The haircuts, manicures and pedicures could all be insourced and the makeup could either be eliminated or perhaps cheaper options could be found. Here are a few posts for inspiration and guidance:
  • YMCA membership: /month (4/year). Lucy mentioned she runs to work (kudos!) and so I wonder if that could supplant this membership? Alternately, are there any other less expensive options or ways to exercise at home for free?
  • Cell phone:.57/month (6.84/year). That’s a mammoth bill! I see that Lucy tried Ting last year (way to go!) and that it didn’t work. However, there are a number of other cheap providers she should try, including Republic Wireless and BOOM Mobile. My recommendation is for Lucy to ask her tech-savvy co-workers (or the folks in the IT department) at the hospital which provider they’ve found that works. I guarantee there’s a nerd there who has tried them all and knows which one works… and I say “nerd” very lovingly because that would be my husband who did, in fact, try every single cheap provider to find us one that would work on our rural homestead. This is something everyone should do because it’s an ongoing expense that you can DRAMATICALLY reduce. For reference, I pay.99 per month through BOOM Mobile (and BOOM is not the cheapest on the market–it just happens to be the one that gets service where we live).
  • New York Times and New Yorker subscriptions: /month (0/year). The public library carries copies of both of these for free!

If Lucy decided to eliminate all of these expenses, she’d save an additional 2.57 per month and ,590.84 per year, which would make a significant dent in her mortgage payments and enable her to retire sooner.

As I’m always fond of saying when reviewing expenses in Reader Case Studies, your expenses are very personal choices and everyone has to make the decisions that are best for them. It’s not wrong for Lucy to spend this money, but since she asked how she could pay her mortgage off faster, this is one answer. This all ties into where Lucy wants to be in the future and what sort of life she envisions for herself as she nears retirement.

Second option: Increase income. The only other way to have more money every month is to increase your income. Lucy has already done a fabulous job of this by taking on a tenant in her home. I don’t know if there are any professional advances Lucy could make at work to increase her salary or if she could take on another renter in her home, but those would be the obvious first two steps. Alternately, she could explore any number of side hustles that would net her more money every month. The combination of reduced expenses and increased income would, obviously, jet Lucy towards her goals even faster.

Lucy’s Question #3: Should I change my investments or asset allocations at all? Or do they seem correct?

Lucy and her daughter

Lucy’s investments look pretty good, though I’m not sure about the Humana stock and the Acorn account and question what the fees are on both of those. Ideally, you want the lowest fees possible, which both Vanguard and Fidelity offer and so I’m delighted to see that Lucy is invested with them. Since she didn’t include the fees of any of her holdings above, I advise she do a quick check on the fees for all of her accounts (available on their websites) since fees are what can absolutely cripple your net worth over the long run.

I personally am a fan of streamlining and combining investment accounts into a broadly diversified asset base, but all in the same account. There’s no diversity gain by holding various different investment accounts, as long as you’re in low-fee index funds because an index fund means you’re invested across the entire stock market. For the sake of simplicity, I’d close the Humana and Acorn accounts and lump them in with her other investments, but that’s largely a personal choice.

In general, you want to reduce the risk exposure of your investments as you near traditional retirement age in order to insulate your money against potential market downturns. When you are young, you want to invest aggressively in order to take advantage of the overarching gains that history demonstrates will occur in the market over your decades and decades of investing.

But since Lucy is 57, she should think about reducing her risk, which usually means increasing bond exposure. What I recommend to Lucy is that she read both the book, which has great overviews on how to manage your assets throughout your lifetime, and also check out this article on Michael Kitces’ site: . As I’m not a financial advisor, I am loathe to give advice any more specific than that.

HELOC As Emergency Fund

Lucy didn’t ask about this specifically, but I need to weigh in and share that I do not like anything to be an emergency fund other than cold, hard cash that is immediately available to you from your checking account. Anything other than that–a car, a paid-off house, your grandmother’s china, a HELOC–is NOT an emergency fund. An emergency fund is something you can withdraw, at a moment’s notice, as you’re standing in the police station, the fire station, the hospital… you get the picture.

Lucy’s view of The Charles river

Additionally, a HELOC (home equity line of credit) is usually contingent upon your employment and so if you lose your job, it’s entirely possible that your HELOC may no longer be valid, which would negate its role as an emergency fund in the event that you lost your job (which is one of the primary reasons to have an emergency fund). At the end of the day, a HELOC is not your money and could be rescinded. At best, a HELOC is a high risk emergency fund that might not actually be there for you when you need it. Furthermore, Lucy would have to pay interest on the HELOC if she were to access the money in the event of an emergency, which again, partially negates the point of an emergency fund. A true emergency fund is three to six months’ worth of living expenses held in an easily accessible checking or savings account. Nothing else on earth should be considered an emergency fund. 

Fortunately, Lucy already has,819.24 across her savings and checking accounts, which is a fabulous start to an emergency fund. I strongly urge Lucy to stop considering the HELOC an emergency fund and work to build that ,819.24 up to the range of,158.38 (which would be three months’ worth of spending) to,316.76 (six months’ worth of expenses). Since emergency fund totals are based off of one’s monthly spending, if Lucy were to reduce her expenses, she could skate by with a smaller emergency fund. At present, her ,819.24 would cover less than two months’ worth of expenses.

In summary, I advise Lucy to do the following:

  1. Save up a true emergency fund.
  2. Determine when she truly wants to retire from her current career and what she’d like to pursue next.
  3. If she decides she wants to retire sooner, I advise she target 2020 for her retirement since her youngest son will graduate from college and she’ll no longer have the monthly Joint Account contribution.
  4. If she elects to target 2020 for retirement, she should determine whether it’ll be more financially advantageous to sell or rent her home. This two-year runway will give her plenty of time to research the rental vs. sale market and decide where she wants to go next in the world.
  5. If she decides she’d rather stay in her home and continue working, she should consider if she wants to pursue paying off her mortgage more quickly, in which case she can reference the above suggestions on reducing expenses and/or increasing income.
  6. Lucy should check in on the fees and risk exposure of all of her investments to ensure that she’s decreasing her exposure to risk as she nears retirement.
  7. Enjoy retirement! Lucy has put herself in a wonderful financial position to enjoy retirement and I wish her all the very best with whatever she decides!

Ok Frugalwoods nation, what advice would you give to Lucy? She and I will both reply to comments, so please feel free to ask any clarifying questions!

Would you like your own case study to appear here on Frugalwoods? Email me () your brief story and we’ll talk.

Updated April 11, 2018 with Lucy’s decisions:

Thank you so much to the Frugalwoods readers for all of your insights! I actually printed out every page of your helpful comments so that I could review them in detail. I really appreciate your input. I am delighted to share that I’m now dating a wonderful man who is a widower and, like me, has three grown children. We are enjoying getting to know one another and it’s lovely to have him in my life. Recently we’ve started talking about our finances, which makes me feel like we’re starting off on the right foot. I’m getting ready to take a paid FMLA leave from work in order to help my ailing father in Kentucky. I’m still undecided about selling my house and changing jobs, but I am glad to have all of your advice as I move forward!

-Lucy

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