Retirement Planning

How much money do you need to retire? Of course, part of the answer depends on how you invest your money and how much income those investments generate. But you may be surprised to discover that a far more important determinant of retirement success is your spending.  In any case, we’ll handle both these subjects. But let [...]

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There are many ways to skin a cat when it comes to maximizing retirement benefits. One strategy is to file and suspend social security benefits. First let’s decipher what this means and then we’ll determine if it’s a good strategy for you. What Does File And Suspend Social Security Mean? This is a strategy you [...]

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You will have a far better life if you have a financial plan, stick to it and revisit that plan every couple of years.  You will feel more in control and you’ll achieve your goals far easier and much sooner.    I have no doubt about that. And based on the last 30 years of my [...]

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This post was originally published in December 2009 – about the same time most main stream publications were advocating staying out of stocks for good.  Planning for your retirement is serious business. That’s why I get so angry when misinformation gets floated around. I recently read on a blog that if you retire now or want to [...]

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Ever since the day you started working you probably started thinking about retirement….right? Of course this is a good thing. It motivates to save and invest. But on the other hand it can add huge pressure to your day-to-day life. That’s because a full retirement requires a huge wad of “Benjamins” that reach to the [...]

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Jim and Marie are in their mid-50’s and spend most every day worrying about their not-too-distant retirement. They are doing the best they can. They contribute to their 401ks and never carry a credit card balance. They even own 2 rentals. But they are sure they don’t have as much as they need to retire [...]

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