Ask anyone and they'll most likely say they want to have a great retirement. But looking at the day-to-day financial decisions of most people might tell a different story.
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Traditional retirement planning does not work for most of us. It focuses too much on things we cannot control like the investment markets and the economy. It presents us with two crappy options: settle for less now so that we can save more, or plan to settle for less later. Harry Coleman examined these options and picked, “None of the Above!”
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"The younger generation is ruining this country!" This was said about the baby boomers. Now it's said about the millennials. The fact is, each new generation brings a fresh perspective that helps our society and country renew itself. Recently I spoke with a "millennial" who, like you and me, is working to raise a family and save for the future.
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Two weeks ago, I posted here that I was starting the Whole Life Challenge. So far, it's been a great journey. I'm committed to investing in my health so I can do all that I can to be active during retirement. Here's my progress so far.
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In this week's journey to retirement story, we hear from a smart lady that screwed up with debt, dug herself out of her hole and is now prospering. If you're feeling like you're in a financial hole, listen to her story. She dug out and so can you.
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You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree.
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Despite what the media and some financial advisors tell us, preparing for retirement isn't about fancy strategies or the best investment. This week listener "Rick" shares his story of how he became a 401(k) millionaire by using a simple but powerful strategy.
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Today, I weigh more than I ever have, 198 lbs. I'm not fat, but I'm not fit and I feel it. At 48, I want to do whatever I can to set myself up for a healthy life. When my friend Darrell told me he signed up for the 2 month Whole Life Challenge I was intrigued. So on Friday, I took him out for a beer (you'll learn why in a second) to learn more.
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There are plenty of people around today that will offer their services as a “life coach” or “business coach.” Few have the demonstrated history of success as businessman, family man and friend to man as Aaron Walker.
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At the end of day, all that matters is what retirement means to you. Forget what the commercials say. Forget what the brochures say. Forget much of what your advisor may say. You don't have a "number;" you have a life that you get to define and live.
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If you want to retire and are looking for guidance, don't just find someone smart. There are plenty of smart advisors with plenty of smart ideas. It's been my experience that smart by itself, isn't enough. If you want to retire successfully, it's better to seek out wisdom.
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If you work for a company, you're a cog in the machine. You're a replaceable part, easily eliminated or replaced if it suits the needs of the company. Sorry to be so blunt. I'm not trying to hurt your feelings. It's just important you accept this if you're going to thrive in the years ahead.
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Most of the personal finance blogs you read focus on how to be more frugal. How to cut costs so you can safe and invest for retirement. It's important to be frugal but frugal only goes so far.
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Just because Bill & Sally can't achieve their ideal retirement doesn't mean they can't have a great retirement.
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Yeah, you read that right. Bill and Sally cannot achieve their ideal retirement. That really sucks....or does it???
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If you asked me what was the most important item you should do to track your financial health I would tell you to track your net worth. A net worth statement is the most powerful tool you can use to track your financial progress over time.
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Too many people are being too reasonable when setting their retirement goals. STOP! When you start your planning for retirement it is critical that you think big. There's time enough later to be reasonable. Right now, focus on what your ideal life would look like....what would your life be if you could "have it all?"
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Want to retire a year earlier? Maybe have a bigger lifestyle budget for travel? You might be able to if you change your relationship with your car.
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Okay, you're planning for retirement, but what exactly are you planning for? I don't think most of us think about this. We work and save and work and save, but spend little time figuring out what we'll actually do when we retire.
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I'm still amazed at the level of engagement and transparency "Carl" has had throughout the process of creating his retirement plan on the show. I'm just as amazed at how much the series has resonated with you, the listener. Your questions, comments, suggestions and thank yous made the series better.
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