Kay
Appearances
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
So I feel like we've been in the saving mindset and I'm feeling that we might be near the point where like additional contributions may not be necessary. And I'm not quite sure how to figure out what that amount should be.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
And it's not that I want to retire at 55, but I would maybe consider a step-down phase and just pay our day-to-day bills and expenses and stuff using that until our mortgage is paid off, which should be by the time we're 60 to 65 years old.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
I think it's all of the above. So step down would be, to me, it would be stop retirement contributions, which then means that we may be able to have flexibility in our current roles and whether that goes part-time or how that means because...
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
to some degree, I feel like I continue working so that I can contribute to retirement so that at some point I can stop working and I don't, you know, it's sort of the invest my time now and hopefully gain the rewards later.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
I would say we could be comfortable on less than what we earn right now, given that we're contributing about 20% of our income right now. Okay. Let me rephrase that.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
A little bit less. Yeah. I think we would.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
That would be after the mortgage payment goes away. Okay.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Yes. I feel pretty confident with that.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
We are right now through our workplace plans. We would need to come up with whatever happens in retirement afterwards. So I think we would continue to use workplace plans for the duration of our working time and then move into some, I don't know what it is. I haven't gotten that far. Medicare, Medicaid. Yep.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
When thinking about that medical cost and how to project that, is there any sort of formula or general wisdom of how to consider what that higher medical cost should be?
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
We are all over the map on that one.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
We like to travel occasionally, but I don't see us traveling widely to any great degree. And I can also imagine a future where we don't move, where we stay exactly where we are and are happy here.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Yeah, it's so tricky to kind of plan 15 years in the future without knowing all the variables.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
That is super helpful, actually, that kind of philosophy. And we have to go back and look through how much we have in Roth versus how much we have in the standard IRAs to kind of figure out the tax liabilities there too.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Right.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
I think we're more fortunate because when we started working, Ross had sort of just recently been a thing. And so our personal investments were always through the Roth as much as we could when we maxed them out early on in our lives. And there were some years we couldn't, but we did as much as we could. So it looks not quite 50-50, but it is probably 60-40 split.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
That makes sense. And we also have health savings accounts that we started a little while ago, a couple years back. Would you recommend letting that grow if we can pay for our health expenses out of pocket initially just to leave it sort of for what hopefully will be our later days in life when we need a little bit more health care and have it right there?
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Sure. Yeah.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
And thinking about that, that kind of brings up the next thing. So right now we have our retirement accounts in sort of a target fund. So it's not at a higher or low risk. It's a retirement fund target for 2040. I'm assuming that sort of titrates on its own down to something less risky as it gets closer to that. Is there anything we should do to be more careful closer to that timeframe?
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
First of all, thank you for this more in-depth information. This is great. It gives me a little task to sort of do some math games with our numbers here. And I think, so in some ways, I'm kind of excited because I think we're in a space, if it doubles one more time, I don't think between now and when we need to touch it,
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
I think we are in a good spot, which means that it feels a little bit more tangible to have those conversations about if we stop contributing fairly soon, what could we do for fun while we're still healthy and relatively young?
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Absolutely. Thank you so much, both of you. Thank you for having me.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Thanks for having me.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Stable. I think I would pick stable.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
in the sense that my spouse and I have been in the same line of work for many, many years. We're both in our 50s. And we've been able to pay down all debt other than our mortgage and invest in retirement pretty much throughout our whole working lives.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
I think we could do a little bit better with figuring out our plan for the future. We don't have a lot of that in terms of when we can stop working, if ideal. And in some ways, it would be nice to figure out how to be more flexible in spending. We've been in a very save mindset for a very long time. And it's a little hard for us to transition to spending for fun.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
We've been doing a lot of improvement spending for our home and our residence.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Sure. We have a lot of nephews and we live far away from everybody. And something I started when one of the nephews was born was thinking about how to give them a gift over time. And we landed on high school graduation as sort of a natural ending point. So what we started doing was purchasing savings bonds in a small amount of $50 for each birthday and Christmas.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
because our family celebrates that, with the intention of upon graduation, we would surprise the graduate with this somewhat larger than normal graduation gift. And so I've been doing that online, which is fantastic, except now I don't know how to get it out.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
Interesting. Okay. So I have to work with him afterwards to get it all figured out.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
No, I think that's helpful a lot.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
So my spouse and I have been contributing to retirement accounts for the duration of our working lives, sometimes a little less than others. We've been contributing to Roths, particularly early on in our working careers, and then workplace retirement accounts. whenever we had them, so which is most of the time.
NerdWallet's Smart Money Podcast
Smart Planning Sessions: When is it OK to Stop Saving? (Plus: Spring Cleaning Your Finances)
And again, the only significant debt we have right now is a home mortgage and that's all we're expecting to have really going forward. So I'm just curious about what amount we should have saved by age 55 that might allow us to semi-retire and stop contributing.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Hi there and welcome to Storytime with Kay. Today we will read Amelia Bedelia, Lost and Found by Herman Parrish and illustrated by Lynn Avril. This book was published by Greenwillow Books in 2020. Amelia Bedelia wiggled her loose tooth. She pushed it back and forth. She pushed it side to side. It was a losing battle. No matter what Amelia Bedelia did, her tooth would not fall out.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Amelia Bedelia covered her mouth with her hands. She jumped up and down. She did a little dance. When Amelia Bedelia sat down again, her friends gasped. You look different, said Rose. Your tooth is gone, said Joy. It was true. Amelia Bedelia stuck her tongue through the gap where her loose tooth had been. She felt lost without it. I lost my tooth, said Amelia Bedelia.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Bravo, said Miss Edwards, her teacher. Where did you lose it? Amelia Bedelia pointed at the gap in her teeth. Where did it go? asked Miss Edwards. Amelia Bedelia looked around. I lost it, she said. I hope it is not your sweet tooth, said Miss Edwards. Dawn crawled under Amelia Bedelia's desk. Here it is, she said. Thank you, said Amelia Bedelia. Miss Edwards gave Amelia Bedelia a tiny box.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Amelia Bedelia dropped her tooth into it. She snapped the little box shut. Amelia Bedelia shook the box back and forth. She heard her tooth rattle. Clickety-click-click. Amelia Bedelia learned to eat her lunch with one less tooth. She learned to drink her milk with one less tooth. It felt funny. Amelia Bedelia opened and closed the tiny box again and again.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
She showed her truth to all her friends. Art class was after lunch. Amelia Bedelia wanted to paint a picture of her lost tooth. She opened the box. Her tooth was gone. I lost my tooth, said Amelia Bedelia to Skip. I know. I knocked it out, said Skip. I just lost the tooth I lost, said Amelia Bedelia. You lost your tooth again, said Skip. Amelia Bedelia nodded. I will help you find it, said Skip.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
I have nothing to lose. Amelia, Bedelia and Skip looked in the cafeteria. The cafeteria had been cleaned. The tables were spotless. The floors were shining. Maybe someone took your tooth to the lost and found, said Skip. Amelia, Bedelia and Skip ran to the school office. Where did you lose your tooth, said Mr. Rice, the principal.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
If I knew where I lost it, said Amelia Bedelia, it would not be lost. Follow me, said Mr. Rice. I have lost count of all the things in the lost and found. Amelia Bedelia spotted a mitten. Hey, that is my mitten, she said. I lost it a long time ago. She tried it on. It still fits, she said. Check out this cool stuff, said Skip. He bounced a rubber ball on the floor. He lost his grip.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
The ball smacked a shelf of tiny treasures. Clickety-click-click. Something small hit the floor. My tooth, said Amelia Bedelia. Finders keepers, losers weepers, said Mr. Rice. You were lucky. Amelia Bedelia put her tooth back in the box and shut it tight. Snap! You lost your tooth two times, said Skip. Maybe the tooth fairy will leave you two times as much.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
That night, Amelia Bedelia tucked her tooth under her pillow. In her dreams, the tooth fairy sang, Lost and Found and Lost and Found. When Amelia Bedelia woke up, she looked under her pillow. Her tooth was gone, but this time it was not lost. Finders keepers, said Amelia Bedelia.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Let me yank it out for you, said Amelia Bedelia's father. Your tooth is hanging by a thread, said Amelia Bedelia's mother. It will come out by itself. Amelia Bedelia looked in the mirror. She did not see a thread. Amelia Bedelia was getting worried. What if her tooth came out when she was eating? What if she swallowed it? Then she could not put it under her pillow for the tooth fairy.
Storytime with K - Kid Story Podcast
🦷 Amelia Bedelia Lost and Found 🦷 Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Amelia Bedelia wiggled her loose tooth at school. I lost my tooth at the beach, said Holly. A wave knocked it out. I got hit by a frisbee, said Skip. Mine got stuck in a brownie, said Joy. Amelia Bedelia poked Skip with a pencil. Here is your pencil back, she said. Skip spun around. His elbow bumped her mouth. Ow! yelled Amelia Bedelia. I am sorry, said Skip. It was an accident.
Storytime with K - Kid Story Podcast
🐈⬛ Black Cat & White Cat 🐈⬛ Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
Hi there and welcome to Storytime with Kay. Today we will read Black Cat and White Cat by Claire Garlone. This book was published by Sourcebooks Jabberwocky in 2015. Black cat lives in a white house. Black cats in white houses. White cat lives in a black house. White cats in black houses. One day, black cat and white cat decide to meet. Black cat visits white cat and whoosh! He disappears.
Storytime with K - Kid Story Podcast
🐈⬛ Black Cat & White Cat 🐈⬛ Stories for Kids Read Aloud [ READ ALONG VIDEO ON SPOTIFY ]
White Cat visits Black Cat and whoosh! He disappears. It's perfect for hiding. But it makes it hard to play together. To see each other, they need to find another place. A place where they can meet. That's not too black or too white. A colorful place to have lots of fun. The end. Thank you for reading along. Be sure to rate and follow us for new episodes posted daily.
The Viall Files
E907 - Temptation Island w/ Natalie, Victoria Fuller Returns, AFR, RHOA, White Lotus, and Garcelle’s Exit
And had a double day.
The Viall Files
E907 - Temptation Island w/ Natalie, Victoria Fuller Returns, AFR, RHOA, White Lotus, and Garcelle’s Exit
Yeah, that's true.
The Viall Files
E907 - Temptation Island w/ Natalie, Victoria Fuller Returns, AFR, RHOA, White Lotus, and Garcelle’s Exit
That's nice.
The Viall Files
E907 - Temptation Island w/ Natalie, Victoria Fuller Returns, AFR, RHOA, White Lotus, and Garcelle’s Exit
Mm-hmm. Yeah.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
When we all found out about Nikki's incident on the 29th, when she told us that Tyler had severely beat her, bound her and essentially tortured her for three hours, we were all, I mean, I was initially very shocked. Weil, du weißt, ich war überrascht, dass das passiert ist. Und es waren ein paar Tage, bis dann. Sie war ein bisschen mit meiner Mutter unterwegs.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Bevor sie zu Chloe kam, habe ich mir gedacht, sie hat das Zeitpunkt genommen, sie war überrascht. Also habe ich mir gedacht, sie hat das Zeitpunkt genommen, um alles zu prüfen. Und sie wusste, dass meine Moms Platz sicher war. As far as just being alone for a little bit, having to face anyone. And I think just really process what happened to her.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
But once she went to Chloe's and, you know, Chloe saw her and then by that point communicated to the rest of the family about what had happened. We were all on the same page. We all said, you need to get to the hospital. You need to get looked at. We don't know what kind of injuries.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
These are, we saw what was there physically, but there could be, you know, there could be other trauma that we, you can't physically see. This time, being that she was at Chloe's, Chloe took her to the hospital and obviously she's a grown adult, so we couldn't just force certain things on her, but With her permission and, you know, with her just knowing, you know, this is what we're going to do.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
We're going to need to call the police. That was, I think, a big turning point for her, because not only was she beat within, you know, who knows how many... Minutes of her death. And the fact that now she's finally finding her voice and her strength to call the police, file an official report.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
I mean, all of that, I think, was an eye-opener for her, that it needs to happen and she needs to be done protecting him. And if he could get this far with things, how much further can things get? So I think the severity of what could happen was finally, I think she finally could see that because it was While she was at the hospital, Nikki ended up meeting with a victim's advocate.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Untertitelung des ZDF, 2020 Untertitelung. BR 2018 Untertitelung. BR 2018 Untertitelung des ZDF, 2020
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
So that was kind of the extent of what we were able to find that evening.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
The Reading Rancheria has put up a large, beautiful billboard along I-5 to bring awareness to Nikki's case, as well as a $10,000 reward for information leading to the safe return of Nikki. And we are very grateful for those contributions. And those are very impactful, very big and publicly visual contributions.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Und dann gab es eine Suche auf tribaler Land, auf spezifische Bereiche der Rancheria, die wir Zugang zu hatten. Ich denke, es wäre hilfreich, wenn wir mit ihnen mehr zusammenarbeiten könnten, um einen besseren Anspruch zu finden, vielleicht, um tatsächlich Antworten zu finden. Sie sind so eine große Entität. Sie haben so eine große Influenz.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Was können sie für ihre Influenz verwenden, anstatt nur für ihre finanzielle Influenz? Aber ich denke, dass wir ihre Influenz definitiv nutzen können. In anderen Fällen könnte das viel effektiver sein.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
in finding nikki and be more effective in targeting some of these witnesses for this case and i know that they are contributing in ways that maybe that's just what they're used to you know they're used to doing very um you know much more public things that are that are a little bit louder that are now you see the billboard you see the ten thousand dollars and those are all very you know you hear that and it sounds big but sometimes
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
mit bestimmten Situationen, und ich denke, Nikes Fall könnte einer davon sein, ist, dass wir manchmal nur ein bisschen näher schauen müssen, weißt du, und finden, wo wir besser die Ressourcen, die wir haben, in unseren Sphären der Influenz nutzen können.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Und ich denke, dass sie definitiv in diese Influenz tappen können und sehr viel helfen könnten, den Fall zu lösen, oder zumindest ein bisschen mehr, ein bisschen mehr Druck in die richtige Richtung.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Sie wollte ihr Leben wieder auf den Weg bringen. Sie arbeitete darum, die Kinder zurückzukriegen, einen Divorz zu bekommen und endlich unabhängig zu sein. Und all of that was a total threat to Tyler. That meant he would have to pay child support. It would mean she was sticking with her charges and that could potentially mean jail time.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Nikki's independence and strength meant a lot of trouble for Tyler and I... Ich denke, dass das nicht etwas sein wird, was er oder seine Familie mitnehmen wird. Ich denke, dass sie einen Plan gelegt haben, um das Problem zu lösen.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
Hi, I am Nikki's sister Kay. Something about Nikki that sometimes people don't always notice is that she is kind of like, she reminds me of a little chihuahua sometimes. She's super fun and bubbly and always wanting to enjoy every piece of life. But sometimes she doesn't realize she's just, she's such a, you know, physically, she was a small little petite person.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
But she had a heart and a personality that was just so much bigger than what her body could even encompass. And, you know, she was super scrappy. Not what you would expect from someone like her. But she is, I guess, like a little Chihuahua would go up to like a big dog. And still, you know, she'll still, she thinks she can take it on. So I think that's very important. Very much Nikki.
True Crime with Kendall Rae
Mom of 4 Vanishes Before Abusive Husband’s Trial: Where Is Nikki Cheng Saelee McCain?
She was very confident, sure of herself in that way. And she was just such a free spirit.