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dynamic spending

A simple trick to make your money last (The secret: Dynamic spending rules)

A few weeks ago, I gave you six ways to make your nest egg last.  It’s an important topic, so here’s a seventh: Dynamic Spending.  There’s a growing body of research that shows it can significantly extend the life of your portfolio.  What is it and how does it work? In retirement, like in your […]

You don’t find yourself. You create yourself.

“Life isn’t about finding yourself.  Life is about creating yourself.”  – George Bernard Shaw. When I was in college a friend of mine dropped out and said, “I’m going to move to Colorado for a year and try to find myself.”  This totally made sense at the time.  None of us had an overarching vision […]

do I really want this

Do I really want this or do I just think I want it?

There are so many things that sound great in theory, but aren’t always great in practice. Take retirement for example.  No work.  Loads of free time.  Travel.  Those all sound great (and most of the time they are), but I’ve had retirees complain about every single one of them at one point or another over […]

make your nest egg last

Six ways to make your nest egg last

“Will my money last?”  That’s the biggest concern for most retirees.   What can you do to stretch your retirement dollars for as long as possible?  A recent article in the Journal of Financial Planning (JFP) analyzed six factors and the role each played in portfolio longevity.  (Determinants of Retirement Portfolio Sustainability and Their Relative Impacts, […]

surprises in retirement

4 Unexpected emotions in retirement

I’ve helped many people transition into retirement over the years and when I ask a new retiree how things are going, the response is generally positive.  That said, retirement is a huge transition and there are always unexpected feelings or emotions that crop up.  That doesn’t necessarily mean that there’s something wrong with your retirement.  […]