An important lesson that I learned in my triathlon days was that weight mattered.  Training is important, but when you want to get your bike up a long hill faster, you need to drop your weight.  Lugging an extra 10 pounds up a mile long hill makes a big difference.  Debt in retirement is that…

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TME – Total Monthly Expenses. I have clients that will live very comfortably on $4,000 every month in retirement.  How can they do that?  The first, an most important step, is to determine what it’s going to cost for the basics every month in your retirement budget. This is a critical step that many advisors…

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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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“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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