Retiring With Enough

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

Send us Fan Mail Join Kevin Lyles, CRPC™ and myself as we discuss the merits of active management and passive investing. In this episode Kevin critiques my decision to engage an advisory firm to manage a portion of my assets and my reasons for this decision. 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 Looking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago. 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 end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going! 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 Merry Christmas and Happy Holidays for 2025 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 “Money doesn’t change men, it merely unmasks them.” -Henry Ford Several years ago, my wife and I decided we would not wait until we were deceased, but would instead provide financial gifts to our children while we were still alive. This outlines the concept of giving with warm hands versus giving with cold hands. If you’d like to be a part of a free online retirement community, jo...

Send us Fan Mail It's not easy to create a mindset that embraces saving versus spending. The pathway to saving money can be very convoluted due to a combination of psychological, economic, and practical barriers.  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 “Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas." For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight. If you’d like to be a part of a free online retirement community, join us on Facebook...