welcome to the organic green doctor blog

i am a family physician who was diagnosed with
early mild cognitive impairment(mci) amnestic type on december 21, 2010
this is a precursor to alzheimers disease
because of this diagnosis i have opted to stop practicing medicine
this blog will be about my journey with this disease
please feel free to follow me along this path
i will continue blogging on organic gardening, green living,
solar power, rainwater collection, and healthy living
i will blog on these plus other things noted to be interesting

Thursday, October 26, 2017

dont let them do it

like reagan use to say
there you go again

those congress folks are after us again
cant they leave us along

i know i know he said i wouldnt be touched
weve been here before

why cant they just do tax change stuff that
mainly affects all those rich folks like
the president
most of congress

back in the 90s this word popped up
on my radar
my rainwater brother who is a certified financial planner
explained it all to me
of course
as he talked my eyes got real blurry
my mind started to wander
what the heck he is talking about

over time i read more about it
he talked to me more
i gradually started to understand it better

i knew we couldnt live off social security
we needed more money
pension for teachers wasnt an issue at that time
since my wife she hadnt made that
i wanna be a teacher movement yet

it really didnt matter as it turns out
the teachers pension
since she is getting from the pension
what she lost from the social security that she earned
in the preteaching era and from my paying in it over the years

bottom line
teachers pension minus her would be social security equals zero

so i knew we needed more
Image result for 401k

my rainwater brother finally got me to understand
how to do this
maximum how much you can put in in your 401k
so i did
make sure you put enough in to meet the match from
your employer
so i did
on the teacher side you have this thing called a 403b
just think of it like its a 401k
put as much in there as you can

i must add that most teachers dont make enough to put in
a 403b
very few do

over 25 years thats what we did
so when i had to quit and she retired
we have enough in our 401k/403b to live comfortably
when you add in our
well my social security
and her teachers pension

if that 401k had been not there
i am not sure all that incentive to make you save
make me save
would have been there
we would be hurting in retirement without it

so it is with a lot of folks

like i said the other day
this affects all of us
whether we are democratic republican independent
no matter our race
no matter our politic
no matter our religion
whether we are rich
whether we are poor
maybe not if we are rich
as this probably dont affect them much

so no matter your politics
you should be ticked at these congress people
trying to take this away from us
the only vehicle that many folks have to provide for
their retirement
i you are promised a pension by a company or government agency
be aware that some have stopped paying the pension
or greatly reduced it

so eg the texas teacher retirement doesnt give any
cost of living adjustment so thats their way of
reducing the payout
even then it can be reduced easily by a vote from
the legislature

we shouldnt let these folks do this to us
there are probably very few if any congress folks or cabinet members
or presidents or vice presidents that will be affected if they do

i think
congress if they want to cut things to save money
they might look at their own pocketbooks and financial statements
to find areas that really need to be cut
just leave us regular folks along

maybe we just need a regular folks movement

the organicgreen doctor

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