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2018 changes to federal income taxes exposed state and local taxes as potentially unreasonable.   Many of us probably think that it's federal taxes that are the most onerous when in fact, your combined tax burden at the state and local level may be greater than federal income taxes.  Now we know, it is all about hidden state and local taxes: your tax burden is exposed.

According to the Tax Policy Center, about 48% of all taxes collected are by state and local government agencies. 

High-tax state bureaucrats and legislators are still complaining about how the 2018 federal tax rates will cost their residents more money.  When the 2018 tax reforms went into effect, they saved the average taxpayer on their overall tax bill.  States that have the highest income, property, and other tax rates were exposed.  Their residents had a higher tax bill.

It was possible before 2018 to write off most real estate taxes and mortgage interest on primary and secondary residences including interest paid on lines of credit. Along with these nearly unlimited write-offs were unlimited state and local income tax write-offs.  

Your tax burden exposed

The 2018 federal tax law has replaced those unlimited deductions with a fixed $24,000 maximum for a couple (higher if one or both are over 65) which includes about everything that most people were itemizing in the past. 

The crux of the tax issue is that for the first time high tax states and local governments who for years told people to write off the higher costs had to change their pitch.  No longer could a person buying that high-cost home fully deduct the mortgage interest, taxes, or insurance.  The new limit is a maximum of $10,000.  If that was not bad enough, it also included any government taxes such as state income tax and local taxes.  

The $10,000 limit was a drop in the bucket.  A person who owned a tract home in Orange County, CA worth about $850,000 would have a tax bill of about $10,000 per year.  They would probably owe state taxes of about $15,000 or more than pay upwards of $30,000 in mortgage interest.  $55,000 with only a $10,000 deduction.  Think some residents realized what was going on?
You should not be obligated to pay ever-higher taxes

As you move toward retirement or at least plan for it, it's time to think outside of the box. You probably donated to causes all of your working careers, paid your taxes, and were otherwise an upstanding member of your community. You made your investment, you should not be obligated to pay higher taxes if you choose not to. 

Consider this

Consider this:  You can afford to live where you do and pay all of those taxes because you have a great job making lots of money. When you retire the economics change.  Why wait?  Every year that you rationalize paying 35% more by living in a high-cost state, that's 35% you could be saving for retirement.  I have spoken to many in their 40s and 50s that admit they can not afford to retire in for example California.  So why wait? 

Should you consider moving to the Mississippi Gulf Coast, you may want to visit the Logan-Anderson, Gulf Coastal Realtors website for more articles and to view available homes. Please read other articles on our site that relate. Two of our most popular articles are: "Why I decided to retire in Ocean Springs, Mississippi" and "Why you need to retire on the Mississippi Gulf Coast."

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Want to live near the beach with a great warm climate?  This is one reason why living in Gulfport, MS is a good place to live.  Low cost of living, great food culture, friendly people.  What more can you ask for. 

Gulfport is not on the typical radar, many people pass it up for destinations crowded in Florida or along the Atlantic Coast.  Too bad for them, the rest of us love Gulfport for so many reasons.     Take a drive on U.S. 90 through the city and see the beautiful Gulf of Mexico and white sand beaches. 

This is a great place for military retirees, to shop at the Navy Seabee base and use the VA hospital.  The low cost of housing and utilities will help with your retirement budget.

Gulfport has everything you need.  Great restaurants, shopping and did I mention, friendly people.  Please listen to this podcast and visit our website RetireCoast.com  to read our blog articles about Gulfport, the Mississippi Gulf Coast, and more.   Thanks for listening.  Come back ya hear.

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Consider the volatility of Cryptocurrencies before you include them in your retirement portfolio.  The classic strategy is to reduce risk when you get closer to retirement.  Adding cryptocurrencies goes in the opposite direction. 

Warren Buffett is against cryptocurrencies as he says, they offer no value.  Nothing is created with cryptocurrencies.  No products are bought or sold.  The only way you make money is for someone to pay more than you did.  This is reminiscent of the pyramid schemes of the 1970s.

If you must play with cryptocurrencies, do it on paper.  Pretend to buy and watch how it goes.  If you buy it in your retirement portfolio, will it be there when you retire?  If these flash in the pan schemes to displace national currencies do not work, who loses? 

Please read more about this at our website RetireCoast.com    Please visit our blog articles on similar subjects.  Listen to our other podcasts as well.

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Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

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📋 Looking for more advanced planning resources?

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• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

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Parents should instill in their children at an early age that they must earn what they receive. Even if parents give things to their children the children should be taught the price of those things. The price is not in money purse but the price they have paid e.g. working long hours away from the family. 

Both parents and children must give each other the gift of financial independence. Parents teach children values and children recognize how important it is that their parents remain self-sufficient.  Others agree with the premise of this article. If you teach your children to become self-sufficient at an early age, you are likely to see that they will start offering to pay for your lunch.

My parents were in their 20s when the kids were born

My parents had their children in their 20s well before they reached their peak earning age.  As kids, we learned that if we wanted money, we had to work for it. As soon as we were old enough, we started doing chores around the house. Later as we got older we picked up part-time jobs mowing lawns etc. 

All of us were out of the house in our early 20s. Yes, our parents would occasionally loan some money, small amounts. We all paid them back even when they told us not to. We paid them back because it was the right thing to do. We raised our families and our parents improved their financial situation as they earned more and were not supporting kids.

Understanding that with people having children later in life, the concept of saving for retirement has taken a turn. It's difficult to buy sports equipment and pay for youth organizations at the same time as you are saving for retirement. Many will have children in high school into their early 60s. 

The best gift kids can give to their parents

It's even more important that older people with school-age children teach their children the value of independence. Independence when it comes to how to manage their finances. They need to learn how to do things for themselves. It's a very hard thing for some parents but necessary. Frankly, it's an expression of love to push them in the right direction. 

A note of explanation. This article is not intended to discourage parents who have special needs children from doing what they believe is necessary to take care of them. Even in this case, what happens when you are gone. If your children need help as an adult because of some medical condition, your work to plan for retirement has become even more critical.

There are only two ways to prepare for retirement. Earn more and save it or spend less. We encourage you to read our blog article on creating a budget for retirement, click here. There are many more articles on this site that you may want to read to help you prepare for retirement. 

Please leave comments about this article. Come and visit us again at RetireCoast.com

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🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
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Setting a budget for relocation or retirement can be a difficult exercise.  Particularly in the post-COVID environment. It is nearly impossible to budget for every item since you may not be aware of some things that could be an expense in the future.  To help you with this process feel free to use our budget tool. 

This budget process is a snapshot in time. It is not scaled for payments on credit debt or increases in income over time. You should create various scenarios and save them or use the sheet to model these scenarios e.g. change your Social Security income to consider CPI increases and reduce your credit card debt or show a vehicle is paid off.

Retire Coasts RELOCATION BUDGET Spreadsheet contains several sections where you can enter budget data.  Download the spreadsheet to your computer to save your work. This article takes you through the sections of the budget tool.

CONCEPT OF BUDGETING FOR RETIREMENT

The day you create your budget and make final adjustments, is not the last you will see of it. This tool will be with you for some time. I have used the tool for my planning purposes and it helped me decide to relocate from California to the Mississippi Gulf Coast. 

Several friends and family used the tool to make critical decisions. One result was that several people that I know related to the Mississippi Gulf Coast almost exclusively based upon the numbers contained in the budget. Of course, there were other good reasons to relocate to the Coast as well but the numbers were the most important.

OUR BLOG ARTICLES CAN HELP

Our blog is loaded with articles about relocation retirement budget topics. Please feel free to search by topic to find articles that may impact your decision about retiring and where. Creating a retirement relocation budget will take some time and serious effort. The results will pay off and may pay off very big.

Before you even consider creating your retirement relocation budget, you will need to gather lots of data. Time to start that process. Collect copies of any expenses that will be ongoing after retirement. Consider which of those costs you will continue to have after you leave your full-time job. Our planning tool is only as good as the data you insert. 

This budget spreadsheet tool was created for a variety of purposes including deciding where to live. That is why we call it our retirement relation budget. Use it if you plan to retire in place or if you plan to relocate. By the way, you should purchase your new property before you retire. Read this article about this important topic, click here

This podcast can be used with our blog article https://retirecoast.com/best-retirement-relocation-budget-tool/

Visit the RetireCoast.Com website to read more about retirement and finance.  Our blog articles will direct you to other resources. 

Support the show

🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
https://retirecoast.com/estate-planning-membership/
https://retirecoast.com/business-builder-membership/
https://retirecoast.com/all-access-membership/

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Financial literacy education must be taught in school now. This course should include public finance and personal finance. There is no excuse for students not learning these essential life skills. Drop those nonsense courses on alternative lifestyles and sexuality and insert financial literacy in their place. Do it now.

After speaking with the curriculum director for a Mississippi Gulf Coast county school district, I am convinced that a good one-semester course in financial literacy should be required and not just an elective. 

Some schools do not have a course to take even as an elective. Some schools cover this financial literacy with other life topics but it's not enough.

We teach our kids about math but stop there. 38 states have implemented some type of financial literacy education, it should be all 50 states. Stopping at an elective course that is watered down with other topics does not do the subject justice. Our kids are graduating from high school without a basic understanding of how to balance a checking account or account for debit card use.

Why are so many struggling through life

Money is at the heart of a large number of divorces. Money is the reason for suicides, depression, and job loss. People lose their houses because they did not pay their property taxes. The public complains about taxes without understanding what taxes do to improve their lives. A good deal of this misery could potentially be avoided with early education.

Ask yourself, did you teach your children about basic finance? Did your parents teach you? I already know the answer, no. My parents did not discuss financial stuff with any of my siblings. We learned by trial and error. 

I recall when I was in high school, the subject was included in "home economics". Everyone thought that class was just about cooking. I wish I had known, I would have taken it.

During my interview with the educator, I learned that often state legislators want to do the right thing and create a required course but they fail to support the courses with funding for the teachers. As parents, grandparents, and concerned citizens, all of us should become involved in this discussion. Spending what would amount to "chump" change on financial literacy education can help the economy in so many ways.
Resources

Believe it or not, you can use Monopoly and other games to teach children about money and finance. I found this highly rated game on Amazon:  https://amzn.to/3DY65Wj

The Mississippi Department of Banking and Consumer Finance has a good website full of information that can help you get started. This one site can take you to other sites. Please pursue this effort with elected officials and your school boards.

Review other articles on this website about this topic such as: Simple steps to ensure our future is secure and Start your kids on the road to financial success now.

Thank you for reading this blog, please read others on similar topics. Listen to our podcast on RetireCoast.com at popular sites. Visit us on Facebook 

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🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
https://retirecoast.com/estate-planning-membership/
https://retirecoast.com/business-builder-membership/
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You already go to doctors you trust, what about other professionals you should know? You should have a relationship with an attorney, CPA, Real Estate Agent, and others. This discusses the reasons for establishing relationships with professionals to create your support team. Don’t wait until there is a crisis or when you need professional advice to search out professionals. It’s time to create your professional support team.

Life has many challenges, most of the time you make the right decisions e.g. filling up your car before it runs out of fuel. In this case, you have a subscription with a towing company such as AAA. Essentially a backup plan for the unexpected. There are other reasons you need to expand your backup plan into a real-life plan complete with experts to help guide you along.

In this blog and podcast, we will explore the various talents you need to amass to be well protected and be prepared for changes. Some changes come without notice, others are long-term changes you have the luxury to plan for. The professionals listed here are just a few to get you started along this path.

Read our blog article with the same title on RetireCoast.com  Visit our website and browse through articles similar to this one.  Please leave comments and follow us on social media.

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🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
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One of our best-kept secrets is the great variety of fish you can catch along the Mississippi Gulf Coast.  Fish all year as various species of fish can be caught at different times of the year.  We have excellent winter fishing and great summer fishing. 

Not only are the varieties of fish enticing, but our weather is also perfect for fishing any time of the year.  Fish in the Gulf of Mexico in deep water or fish in closed the beach.  You can catch your limit (if there is one) on our bayous and rivers as well. 

Public fishing piers are scattered throughout the Mississippi Gulf Coast without charge to those who use them.  Listen to this podcast where we describe some of the most popular fish, where to find them and when.

Visit our website for more information about this and other topics about the Mississippi Gulf Coast, your finances, and real estate.     

If you plan to visit the Mississippi Gulf Coast for a fishing trip, please check out ChristiesGulfBeachRentals.com for information about their vacation rental properties.  

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🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
https://retirecoast.com/estate-planning-membership/
https://retirecoast.com/business-builder-membership/
https://retirecoast.com/all-access-membership/

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What does a five-star rating mean for your stay at a vacation rental? It means that the property was as described on the website. Five-star AirBnB ratings are important for owners. Consider when you are looking for a property to rent. Do you select only five stars or do you select three stars? Exactly.

Why do guests give lower ratings? Lots of reasons include the wrong belief that a property has to offer caviar and champaign to get a five-star rating. Ratings are very important to owners, their ability to maintain their properties is based upon how often people stay. If you decide that the property was ok and give a three or four-star, you are not doing well by the hosts.

Yes, some properties advertise a swimming pool and when you arrive it's empty. Give that host a lower score. The beds were not made, linens were dirty, giving them a lower score. The host does not reply to you in a reasonable period, yes, reduce the rating.

Five Stars means the property was in good condition as advertised

I have to admit, I have in the past graded surveys as less than excellent only because in theory nothing is excellent. Those surveys probably did not hurt anyone's ability to pay their bills. You have to be more diligent with your AirBnB or other ratings. If for example, the property advertised three queen beds and two full-size beds which were there. The website also said that there was a coffee service which was there. They advertised a few minute's walks to the true beach. In this case, you should give a five-star rating.

Don't look for things to reduce the rating. If you were comfortable and your guests enjoyed themselves, give the owners the benefit. One of the rating areas on Airbnb is the location. Some guests give high ratings for everything but the location. Perhaps they wanted to be closer to something or further away from something. The website can not anticipate everything you would want if this was a perfect world. Even if you were not pleased by the location of the owners of the property who took good care of you, give them a five-star anyway. Why penalize the property hosts because of the location unless the location was not what was described.

Guests cause damage

Time to talk about the guests. The reason why properties deteriorate and future guests make complaints is because past guests damaged the property. I can tell you from experience that I have replaced carpets because a guest spilled something and it stained. The same is true of furniture. We recently replaced a sofa sleeper with one that cost well over $1,000 because guests' children were drawing on the cushions. 

Guests that wear out properties well before their time are not often charged for the damage. The owners try to repair the damage but in some cases they have a new guest coming in behind the last ones. Rather than cancel and ruin their new guest's vacation, they accept them. The guest then companions about the damage and wonders why it was not fixed. Perhaps you can understand these situations. More reasons why owners need some kindness from their guests in the form of a five-star rating.

Owners can rate guests

Owners can rate guests on the Airbnb platform. I have spoken to many owners who resist the desire to tell everyone what the guests did to their property. Often the bad guests give a high rating hoping they will not be charged for damage. The owners are reluctant to then give a lower rating to that guest. This is one reason why the rating system is far from perfect. There are perhaps many properties with averages in the 4 point range that are better than rated. 

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🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
https://retirecoast.com/estate-planning-membership/
https://retirecoast.com/business-builder-membership/
https://retirecoast.com/all-access-membership/

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This question "Is Ocean Springs, Mississippi a good place to live?" is asked with some frequency on Google. My experience having relocated from California is a resounding "YES". There are so many great qualities to this small city on the Mississippi Gulf Coast, It's hard to know where to begin. For this reason, I have created a podcast to explain in my own voice why Ocean Springs is a good place to live.

We have written about the Mississippi Gulf Coast on RetireCoast.Com many times. Please read our blog articles on the topic and listen to more of our podcasts. Try this article "Why I decided to retire in Ocean Springs Mississippi".

Support the show

🎙️ Enjoyed This Episode?

Subscribe to the RetireCoast Podcast for practical conversations about retirement planning, financial preparedness, estate planning, entrepreneurship, and life on the Mississippi Gulf Coast.

👉 Visit RetireCoast.com for in-depth articles, calculators, decision tools, checklists, and guides that expand on the topics we cover in each episode.

📋 Looking for more advanced planning resources?

Explore our membership programs:

• Estate Planning Membership — Build and organize your legacy with decision tools, trust planning resources, trustee selection guidance, emergency preparedness documents, and more.

• Business Builder Membership — Access tools and resources designed to help entrepreneurs, retirees, side-hustlers, and small business owners start, manage, and grow a successful business.

• All Access Membership — Receive complete access to both memberships and our entire premium planning library.

Learn more at:
https://retirecoast.com/estate-planning-membership/
https://retirecoast.com/business-builder-membership/
https://retirecoast.com/all-access-membership/

💬 Have a question or a topic you'd like us to cover?

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