Quick Thoughts with Jane – Retirement

With a 4% withdrawal rate, I have $5,600/annual available.

My annual debt payments alone are $19,200.

Annual interest taken from debt payments is approximate $3,000.

I might see $12,000/annual from SSA if there is still money to give… starting at age 66!

I have a long ways to go with progress. But time is not in my favor.


I know. I am trying to figure out how to conquer my cycle of debt. #adhdproblems

Will Jane pay off the debt in 4 years or less? Will Jane ever be able to retire when she hits that age?


Retirement commune is sounding like an option.

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