Retiring With Enough

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...

Send us Fan Mail Kevin Sebesta, CRPC joins me for a fun and entertaining discussion about spending in retirement.  We speak about how to maximize spending for fun, travel, and personal care. 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 You can’t think your way out of every hardship, but you can train your mind to notice joy more easily, recover faster from setbacks, and create meaning even when life isn’t perfect. Shifting mindset isn’t about positive quotes; it’s about retraining attention, interpretation, and habits. If you’d like to be a part of a free online retirement community, join us on Facebook:  https:...

Send us Fan Mail “At 3 percent, you are probably safe; at 4 percent, you are taking real risks; and at 5 percent, you had better like cat food and vacations very close to home." -Attributed to various, popularized in financial planning circles. A Safe Withdrawal Rate is the amount of money that you’re supposed to be able to remove from your portfolio each year without the portfolio running ou...

Send us Fan Mail I feel strongly that people are put in certain places, exposed to certain individuals, and placed in certain situations for specific reasons. Whether your belief is based on faith, kismet, fate, destiny, or happenstance, there are references to support this supposition. If you’d like to be a part of a free online retirement community, join us on Facebook:  https://www.facebook.com...

Send us Fan Mail Join me as I interview Tim Hamburger, a unique and giving person who shares his life and financial story. 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've been contemplating recently whether AI could be a useful aid in retirement planning. I asked ChatGPT about the benefits and problems with using AI for retirement planning, and asked ChatGPT to formulate a retirement plan for me.  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=sh...

Send us Fan Mail "If some lives form a perfect circle, others take shape in ways we cannot predict or always understand." -Nicholas Sparks This is the SIXTH, and most likely the last podcast about the reestablishment of our household into our current home. This blog follows THE BIG MOVE , THE BIG DRAIN , THE BIG PUSH , THE BIG SPRINT , AND THE BIG SIGH . If you’d like to be a part of a f...

Send us Fan Mail “ Most folks are as happy as they make up their minds to be ” -Abraham Lincoln If happiness is not a natural gift bestowed on some people, but not others, can the ability to choose happiness be learned? 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 Kevin Lyles, CRPC™️ joins me in a discussion about risk mitigation when market valuations are high. Are there actions to take, and when are these actions appropriate? 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 The question of entering retirement mortgage-free is interesting because it has financial, behavioral, and emotional components.  In this podcast I discuss Taylor's financial position, and use Taylor's review as a gateway to the discussion about whether it's better to retire mortgage free. If you’d like to be a part of a free online retirement community, join us on...

Send us Fan Mail "Words are, of course, the most powerful drug used by mankind."  — Rudyard Kipling I am a firm believer that words are powerful. But, that power can have both a positive or negative effect.                                 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 "Curling is nicknamed 'chess on ice' because strategy plays just as important a role as skill. " -Brant Curling There’s something hauntingly seductive in the extreme slowness and choreography guiding the release of the stones. I pondered my attraction to curling and weirdly realized that curling has many similarities to finance. If you’d like to be a part of a...

Send us Fan Mail Join Kevin Sebesta, CRPC™️ and me as we discuss many aspects of aging and elder care. Along with general aspects of aging, Kevin and I discuss our personal journeys with 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 Both lump-sum investing and dollar-cost averaging are valid investment approaches. But, is one approach better than the other? 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 What happens when your work is no longer profitable? Is it time to quit work altogether, or does it provide the opportunity to work free, or work for me? 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 “It doesn’t matter how slowly you go as long as you do not stop.“ -Confucius A little over a week ago, I watched with sadness as newscasters gleefully announced that January 9, 2026, had been proclaimed the unofficial “Quitter’s Day” for this year. Newscasters proclaimed January 9, 2026, as the day that most New Year’s resolutions have already been abandoned. If you’d like to be a...

Send us Fan Mail We are convinced that the average investor cannot deal successfully with price movements by endeavoring to forecast them. -Benjamin Graham Late in 2025, I stated I would devote a blog and podcast to dollar-cost averaging. I feel that dollar-cost averaging is one of the two most important strategies that do-it-yourself investors can implement.  If you’d like to be a part of a free...

Send us Fan Mail Raising and educating children is not easy. Kids don’t come with instruction books! Parenting information is not standardized. With kids, one size fits one, not one size fits all! 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