Been using a credit union for years (it has changed more than I have). Have a 3% mortgage as a hedge, hear people are getting 2.5% recently. Also have a low interest line of credit that just keep alive in case (loans are not taxed)
Once retired and concerned about RMDs and IRMAA and MAGI, plus Parts A-D. particularly if been saving all your life, things get complicated. For example if MAGI is too high then Medicare premiums go up. Is a juggling act with several agencies waiting to pounce. Is worse if have an empty nest.
Can get to a point where any income would cost more in taxes and premiums than you receive. Modern times.
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Orlando - Where rust must be imported.
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