Wisdom on Wealth Columns

Creative Ways to Save More

21 Ways to Find More Money to Save You know you need to save money. You say you want to save money. But what do you do if you don’t see obvious ways to do so.  Here are 21 creative ways to “find” money for savings. The list is not exhaustive. Some ideas will result […]

Seventy is the New Sixty-Five

It’s common to hear people say, “Fifty is the new forty” or even “Sixty is the new forty.” For the record, this isn’t some kind of “new math.” It’s a way of saying that people are doing certain things later in life—the kinds of things previously reserved for younger adults. Think of your neighbor who […]

Three Questions for Nervous Retirees

A few years ago, Bob retired early because he was convinced he had enough money to fund his golden years. Now he’s not so sure. Each time he withdraws money from his portfolio, he sees his balance dip and feels his blood pressure rise. (And he nearly passes out when the market suddenly drops.) Because […]

Should I Buy Term and Invest the Difference? (Part 3)

For the last couple of weeks, we’ve been examining the two primary forms of life insurance—“term” and “whole life” (or “permanent”). More specifically, we’ve been evaluating the commonly repeated advice: “Buy term and invest the rest.”  It seems so obvious. When you’re young and healthy, term insurance is shockingly inexpensive. Doesn’t it make sense to […]

Should I Buy Term and Invest the Difference? (Part 2)

Last week, I began a discussion about the two most common kinds of life insurance: term insurance and whole life insurance—and which one makes the most sense for you. Specifically, we examined this commonly-asked question: “What if, instead of buying a more expensive whole life insurance policy, you opted for a less expensive term policy […]

Should I Buy Term and Invest the Difference? (Part 1)

In discussions of life insurance, you’ve probably heard someone say, “Buy term and invest the difference.” Some have suggested this popular mantra originated with financial guru Suze Orman or perhaps Andrew Tobias (in his 1978 book, The Only Investment Guide You’ll Ever Need). Others attribute the pithy sales pitch to insurance magnate A. L. Williams, […]

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