If you’re in your forties, my guess is you’re thinking hard about the economy lately—and specifically, your own financial future. You see the volatility in the markets. You read the reports about trade wars, inflation, and signs of a possible recession. You hear the “experts” questioning the viability of Social Security. All this has you […]
Four Ways to Climb the Mountain of Retirement Read More »
Someone told me, “I wish your emails and columns would sometimes relate to people with average income or meager means. Everybody’s not rich, you know! What about us? What can WE do to live better?” Here’s how I responded… I have met multi-millionaires with no time, love, or peace in their lives. I have met
Living Better with Less Read More »
Are you one of those people who says, “I make a new financial plan every few years. But the wheels fall off every single time. Honestly…what’s the point. Why bother?” I suspect you know why a financial plan matters, but let me offer this… Twenty years ago, a man named Bob Castiglione told me, “Money
What Kills Most Financial Plans Read More »
People often complain to me about how much they’re paying in interest—on their mortgage, car loans, or credit cards. Or, they’ll fret out loud about the future—”How am I EVER going to save enough to live comfortably in retirement?” Here’s an example: Joe: I figure I need at least $1 million to be able to
Change Your Behavior to Change Your Life Read More »
Have you heard about the Pyle brothers? They did most things alike. They married sisters, lived in the same neighborhood, and worked for the same employer. Both planned for retirement. Here’s how the brothers were different. Big R. Pyle didn’t think much about life’s risks. As a kid, he routinely defied his mom’s “no swimming
Is Bigger Really Better? Read More »
If you haven’t said it out loud, I bet you’ve at least thought it: “What principles should I keep in mind as I set financial goals for the New Year?” May I suggest three powerful resolutions? Author Steven Covey defined responsibility as response-ability. He wasn’t just being cute with words. One of the most profound
New Year … New Financial You Read More »
My back has been hurting on and off the last few years. After trying various solutions, I finally found a therapist who gave me some exercises that work. Talk about a difference-maker! They not only help me feel better, they address the root cause of my pain. But here’s the “shocking” great discovery I’ve made:
The Two Things You Need to Succeed Financially Read More »
Every now and then, I meet someone who tells me, “I love my work. And because of that, I’m not wild about the idea of ‘retirement.’ To me, that sounds like punishment, not paradise. Yet every time I go see my financial planner, retirement is all he talks about! Tell me: If I’m NOT planning
“Get to Work” vs. “Gotta Work” Read More »
You’re in your 50s, and you plan to retire within the next ten to fifteen years. What should you expect with regard to future healthcare costs? Expect to pay more. In 2022, overall health spending in the U.S. was $13,493 per capita, or a staggering $4.5 trillion (that’s “trillion” with a T). And healthcare costs—as
Don’t Let Health Costs Lead to Wealth Loss Read More »
Can working a few years longer really make a big financial difference for retirees? Perhaps more than you might think. A couple recently asked me to help them evaluate their retirement options. I’ve changed the names and numbers to protect the innocent (or insolvent). Bob and his wife Vicky are 60. Their house is paid
The Surprising Benefits of Delaying Your Retirement Read More »
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