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Blog Posts

  • My Brother’s Question

    May 7, 2012
    My brother sent me a link to an article on retirement spending the other day with the comment, “I am sure you will not agree.” The gist of the article was that household spending peaks between ages 45–54 and then falls throughout the rest of our life (after kids have ...
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  • Slow-Going Retirement Trends

    April 30, 2012
    Last week, the trustees of the Social Security and Medicare trust funds released their annual review (get the executive summary here). They found that Medicare’s expenditures are highly uncertain going forward, and future cuts might be the only way to bring the cost structure in line. Social Security itself is ...
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  • Stealing Left an Impression

    April 23, 2012
    When I was about 12 years old, I stole candy from the local candy store. I did not make it far, since the owner of the store met me at the door and confronted me. After my confession there, I thought I was done. But the store owner called my ...
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  • Hitting the Wall from 52 to 57

    April 16, 2012
    A marathon is 26.2 miles. I have run three of them and can say that the first half of the marathon is actually fun, almost a party atmosphere. But then somewhere between mile 16 and 19 I hit the dreaded wall. The infamous wall is that point in the marathon ...
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  • Retirement Is Like Making the Big Leagues

    April 9, 2012
    According to Investment News, almost 80% of NFL players are bankrupt or in severe financial hardship within five years of retiring from the sport. For the NBA, the number is 60%. I thought about these statistics as I read a baseball book, Out of My League, by Dirk Hayhurst. ...
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  • Never Co-Sign Your Retirement Away

    April 2, 2012
    There is a new retirement reality for those that are in their mid-50s or older. For these people, who are trying to save aggressively, or even retire, the topic of having children move back home is a touchy one. As parents, we all want to help our kids in ...
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  • A Retirement Decumulation Journey―Delay Retirement

    March 26, 2012
    While the economy is picking up somewhat, there are plenty of people who are still debating when they can retire. Based on the market returns of the last decade, many retirement plans are on hold. With those returns there are a few drivers in a retirement plan that should be ...
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