Did you know that roughly 79 percent of Americans are behind or feel that they are behind in their retirement savings? This is an appalling number considering the cost of living and healthcare costs are on the rise in America. More and more aging adults are not looking for actual retirement, rather partial retirement. And […]
Why is change so hard? I had a conversation with my wife the other day about buying fresh berries. In fact, it’s the same conversation we’ve been having for a while now. She controls a good chunk of the grocery budget and she is usually reluctant to spend extra money on healthier foods. This has […]
Filling a gap Since I’ve been taking some extended time off of employment, I’ve had a need to supplement our income with early withdraws from my retirement money. I know it’s not the best plan and it’s never a good idea for young people, but when you need the money…you need the money. Plus, I’m […]
Not for everyone Let me just start this off by saying, this might not be a practical strategy for everyone. You need to figure out what works for you and what your finances can handle. Traditionally, financing debt on a credit card is frowned upon, but there are exceptions. Based on my target demographic (recently […]
How do you observe aging? This is really a post about “investing as we age” or better yet, “investing as I age”. I’ve found aging to be a weird thing. PROFOUND Jim. Stop the presses. Wait, are there still “presses”? Ok…stop the WordPresses! You see, aging is one of those things, that you really can’t […]
DISCLAIMER: Nothing in this post is meant to be offered as investment advice. Do your own research about any investment you make and never invest without fully understanding the risk of loss. Don’t be lazy Jumping right out of the box with this first point. Overall, for the last 5 years, I’ve had my investments […]
Long time ago I remember it like it was yesterday. I was about 7 years old and was sitting there on our large oval living room rug watching Saturday baseball with my Dad. We were probably the last people in our neighborhood to upgrade to a color TV and I was loving it. Those were […]
This post is not meant as financial advice and is not an endorsement of any individual stock or investing method. Do your own THOROUGH research and then invest with caution. AI and investing is a new area but will most likely grow in usefulness. Autopilot investing I’ve been doing the mutual fund thing for years and frankly, sometimes I find it boring and less than optimal. Therefore, I’m […]
I’ve always been ambivalent about my own wealth. You might even say that I’m obsessed with implementing a plan to give it all away (after we’re gone, of course). To that end, I wrote a post about a year ago on finding a financial “steward in the age of blended families.” The gist is that […]
Harvesting gains I was going to title this post, “How I beat the market in 2018”, but that’s not really what this post is about. Plus, I didn’t want to sound like an ass. This post is about being “OK” with spending or using some of your hard earned retirement funds. I’ve seen this done […]