[TiểuHồLy]

Hola, I just got back 2 months in VN   Viet travel tour is pathetic. Don't ever buy tour in VN. Private tour is way better.

As you mentioned, I did see a few old retired men are living in VN. Those didn't make a lot of money, that's why they come back to live in VN. I guess they want to die soon because all I saw everyday is they sit in front of the house to enjoy with the air pollution. I couldn't stand for 15 mins on bike so mostly used grab. 

I don't even think I would spend on 401k because the 3 months pensions would be enough for a month vacation.

75% of my money is in 401k and 457b, I was thinking of 2 mil a the end of quarter but didn't make it. I guess it would be some point at the end of the year. That's all I want. I still have no idea of what to do with this since I have pension. 


I have around 22K cash in stock account that gives me $50 interest monthly. That's not bad compare to bank at 0.05%

IRS provides "Free File Fillable Forms," Don't forget, only certain income qualify. Same as state, you have to use 540 form only for free. Not allow for other 540x forms. 

Hola, bienvenido de nuevo. ¿Tiene algún recuerdo dulce, más que patético, de su viaje que quiera compartir? I didn't notice that Spanish is used in Vietnam nowadays. 

Yes, I agree! I preferred a private tour versus a group tour. 

Air pollution isn't a problem because those retirement men tend to be jubilant about other things. 

Aw, what was wrong? A spoiled Viet man, aren't you? So you've missed biking to enjoy the weather and natural scenery.  

That sounds acceptable. Most Vietnamese Americans spend a lot of money when they come back to visit. I knew an uncle who spent $40k and returned to the USA after three weeks with only a pair of old clothes. 

Here are a few things to consider if you don't have any specific plans for your retirement money.
a). Buy a foreign country vacation home and rent it out to tourists/local people (under table income if possible)
b). Become a lender to someone you can trust and have collateral assets. 
c). Buy a private jet, fly whenever you like, and charter if you are not using it. One of my friends owns this; he is so proud and happy.



Some banks have Money Market Deposit Accounts/High-Yield Savings Accounts with interest rates above 5%, Bro.

Nope, brother! I have been using this offer from the IRS for years. 

[Free File Fillable Forms are electronic federal tax forms, equivalent to a paper 1040 form. You should know how to prepare your own tax return using form instructions and IRS publications if needed. It provides a free option to taxpayers whose income (AGI) is greater than $79,000.

 

Fillable Forms:

E-file federal tax forms using form instructions

Available for any income level

No guidance and limited calculations provided

No state tax preparation and filing]

Of course, I am doing my state tax return and filing with its office.