Getting ready for retirement is a question of tradeoffs.  Do you want the $40k Beemer now or would you rather retire a year earlier than your goal?  No matter what your current age is today, you need to mentally walk through your retirement vision, It’s time to decide: What do you really need right now…

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Don’t believe the media hype.  Social Security will be a source of guaranteed income for the rest of your life. But when do you start taking it?  Everyone has a different need and different timing.  It looks like the longer you wait the higher the monthly income and that is true.  For their part, Social…

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I can not watch scary movies.  They just haunt me for days after, so I am done watching them.  There is a scary real life movie unfolding today, but we can’t turn the channel on this one.  The title – “Pension Armageddon.” At least once a month I read an article on the state of…

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“Anticipation anticipation Is makin’ me late It’s keeping me waitin’” (Yes that’s Carly Simon and I hope the song is stuck in your head now.)  Retirement is getting closer, but when do you finally put the date on the calendar?  Go to my post on TME (Total Monthly Expenses) and complete the homework assignment.  We…

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If you like to golf then you Do Not want to play with my 2 sons and I.  We are going to bet that you can not make that 10 foot putt. In fact we will give you 5 to 1 odds.  I like to gamble with my boys, but not with my clients.  In…

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