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Ideas to help preserve and grow your money
My Comments: My time these days is spent promoting my book, The Dynamics of Retirement, and the complementary online course I created. I consider myself semi-retired. If you're interested, there's an image of the book just to the right on this page. People often fail to realize retirement turns out to be a 25-30 trek …
Continue reading Two-Thirds of Americans Are in for a Huge Financial Shock in Retirement
My Comments: Yeah, I know. Retirement is far down the road and it's conceptually difficult to imagine yourself ever getting there. But unless you die first, you will get there. And when you do, you're still looking at another 25+ years of life with bills to pay. How will you handle that if you're broke? …
Continue reading 21% of Americans Risk Financial Struggles in Retirement for This Reason
My Comments: As a nation, we have three concurrent crises to deal with. The first and foremost is the pandemic. Nothing we accept as normal is going to return to normal until we find a way to control it. And that's complicated by the fact there is evidence it's mutating and becoming more easily spread …
Continue reading How To Prepare For The Greatest Wealth Transfer In History
My Comments: If you're not yet 50 years old, most of this may not resonate with you. On the other hand, you may realize that with the pandemic and other fundamental changes going on, the sooner you train your brain to pay at least some attention to your financial future, the better off you'll be. …
Continue reading 10 Things To Do Now If You’re A Decade Away From Retirement
My Comments: These words are self-serving. If that bothers you, stop reading. I've spent much of the past 4 years writing a book and creating an online course to help people come to terms with the idea that once you retire, you're looking at another 25 plus years with an uncertain financial future. People have …
Continue reading “I blame myself”: Retirement remains out of reach for millions of Americans
This assumes you've been paying into the Social Security system for a while and will have a minimum of 40 credits in your name. Without 40 credits, you won't get any monthly retirement income. One credit per calendar quarter; 40 credits equals 10 years. If you're still reading this, and will have a minimum of …
Continue reading Deciding When to Claim Monthly Social Security Retirement Benefits
There's long been controversy about these two terms and how they should be applied. For millions of us already retired and for those of us with an expectation of eventual retirement, a basic understanding of their relationship might mean the difference between financial success and failure as the years pass. My objective with this post …
My Comments: I'm not usually a woe and gloom person. My glass is almost always half full. But when it comes to climate change and the existential threats we face living in Florida, I'm extremely glad our house in north central Florida is 100+ feet above mean sea level. by Geoff Dembicki \ 22 JUN …
My Comments: Health Saving Accounts or HSAs are an IRS approved account where you set aside before-tax money and are allowed by make withdrawals tax-free for health related expenses. They'll prove to be a valuable tax free source of money in retirement, but you have to accumulate a meaningful supply of money in them before …
My Comments: This may have been written almost a year ago but it's even more relevant today. Last Tuesday I posted that I was cutting back to two posts a week, down from the five days a week routine I've been following since 2011. My new focus will be posts about 'retirement' issues. It's a …
Continue reading Companies are racing to dump their pension plans
