Retiring With Enough

Send us Fan Mail I think everyone at one time or another has engaged in some risky activity, risky behavior, or risky financial scheme that has not turned out well.  What seemed like a great idea in the moment turns out to be a really bad decision! Then comes the eventual question: “What was I thinking?” If you’d like to be a part of a free online retirement community, join us on Facebook:  https:...

Send us Fan Mail There is the question of whether a tree that falls in the woods makes a noise because no one is there to hear it.  In much the same manner, the sun will continue to rise over the marsh in Pecan Island, but I won’t be there to see it. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail Join me as I host Kevin Lyles, CRPC™️ to discuss Annuities. Does the purchase of an Annuity reduce flexibility and future options?  Are there better options for the protection of fixed income. Can a Hybrid approach be justified?  We discuss and answer these timely questions. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.faceboo...

Send us Fan Mail TIPS can be a great vehicle for creating a safe retirement income, and one of the best ways to utilize TIPS is to create a TIPS ladder.  TIPS yields are not directly related to the stock market. TIPS are an effective shield against sequence- of-returns risk. TIPS protect against inflation and can mitigate poor sequence-of-returns risk and inflationary pressure. If you’d like to be...

Send us Fan Mail "Today is the oldest you've ever been, and the youngest you'll ever be again." —Eleanor Roosevelt  How long you’ve been on planet Earth is important! But is it the only way to determine age, and is it the most important determinant of age?  I’m not sure chronological age is the most important age determinant, but I know researchers have identified three separat...

Send us Fan Mail Last weekend I attended a finance conference. Was I there with a herd of people, or a Tribe? My thoughts on the weekend. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail If money is not a major consideration, then the “Why” of what someone does in retirement becomes much more important.  I want to answer the question of “Why” because the answers will hopefully provide listeners with a basis for consideration.  If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?re...

Send us Fan Mail When choosing a short-term cash vehicle (money you’ll likely need within the next few months to a few years), the goal is usually to preserve principal while earning a reasonable return.  The importance of each factor depends on whether the money is for an emergency fund, a planned purchase, or simply money waiting to be invested. If you’d like to be a part of a free online retire...

Send us Fan Mail If a person thinks of themselves as a castle, their ego is the wide moat surrounding the castle . A moat was designed to protect and defend the castle against attacks. Having an “inflated ego” is not good, but even a “healthy ego” can become the moat around a person, preventing “change” from entering. If you’d like to be a part of a free online retirement community, join us on Fac...

Send us Fan Mail It’s been a little over one year since I placed some of my assets with a financial advisor. One year, already!!!! A one-year review of my portfolio and its performance was promised. So, here’s an update on my portfolio and a one-year review.  If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref...

Send us Fan Mail Join me for the 4th Birthday celebration of the Retiring With Enough podcast. In this podcast I list and discuss the five most listened to podcasts from Retiring With Enough during the last four years. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail “ Learning without reflection is a waste. Reflection without learning is dangerous.” – Confucius It’s the day after the night before, and I’m sitting quietly on my front porch. Join me as I reflect on our 50th Wedding Anniversary Celebration. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref...

Send us Fan Mail Successful investors use different strategies, but the best ones tend to share a common set of traits. This podcast outlines the ones that matter most. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail “I can’t promise that we’ll ever be rich, and I can’t promise that we’ll ever be famous. I can promise that if you marry me, you’ll live an interesting life”.  It’s been 50 years, and I think I’ve delivered on my promise.  If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail There are many things in life over which we have little or no control. Normally, these events have little long-term effect on our lives or finances. The biggest financial problems are self-inflicted . We are our biggest problem! After a lifetime of toiling and saving, don’t let a self-inflicted wound destroy your financial life.  If you’d like to be a part of a free online retirem...

Send us Fan Mail What are Monte Carlo Simulations, what value do they provide pre-retirement, and do they remain valid during retirement? Join me and episode co-host Kevin Lyles, CRPC™️ as we discuss whether Monte Carlo Simulations are still valid during retirement.  If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706...

Send us Fan Mail "The world is a book, and those who do not travel only read a page."    — St. Augustine If traveling when demand is highest, the trip cost is also highest.  If traveling when demand is lower, the trip cost is less.  If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail Finding purpose in retirement is often less about discovering one perfect calling and more about intentionally building a meaningful life.  My initial vision was to quit practicing Dentistry one year after I transitioned my practice. I wanted to complete the CFP curriculum. I wanted to begin lecturing to the dental and medical community about financial literacy.  I HAVE DONE NONE...

Send us Fan Mail If delayed claiming of Social Security benefits is such a great deal, why do only about 4% to 9% of Americans actually wait until age 70 to collect Social Security?  Are the other 91% of Americans ignorant of this strategy, or is there some better process? Here’s the podcast for the 91% of Americans who don’t wait until age 70 and are shamed by the media for their decision. If you...

Send us Fan Mail Join me and Cesar A. Aguirre as we discuss his book: Retirement With Purpose   The Ten R's for a Joyful Retirement. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail Being underestimated is a powerful advantage that allows you to work in silence and surprise others with your success. It serves as a competitive edge, fostering the freedom to take risks, innovate, and prove assumptions wrong without the pressure of high expectations.  -Unknown If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.fac...

Send us Fan Mail I started taking RMD‘s two years ago. RMDs may be straightforward, but the decision is not!                                                                                                                      Since taxpayers with a qualified retirement plan normally take RMD‘s, there are questions concerning timing and best strategies once RMDs are required. If you’d like to be a...

Send us Fan Mail Join Sarah Thompson and me as we discuss in detail her experiences with ill and aging parents. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail I don’t know if you’ve noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer? If you’d like to be a part of a free online re...

Send us Fan Mail "Hacks" are everywhere, including an article I recently read concerning the Trump account "hack" that could turn small savings into a tax-free fortune. After reading the article, I felt it was technically correct, but disingenuous. It is not practically feasible for most people.  If you’d like to be a part of a free online retirement community, join us on Faceb...