Retiring With Enough: Recent Episodes
Dr. Peter Guidry, CRPC™, LLC
Retiring With Enough focuses on Simplifying Retirement through three main paths to a happy retirement: Money, Purpose and Freedom. Dr. Guidry maintains a CRPC™ (Chartered Retirement Planning Counselor) designation and has over 70 years of life experience with over 50 years investing experience as a DIY (Do It Yourself) investor.
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“I can’t promise that we’ll ever be rich, and I can’t promise that we’ll ever be famous. I can promise that if you marry me, you’ll live an interesting life”.
It’s been 50 years, and I think I’ve delivered on my promise.
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There are many things in life over which we have little or no control. Normally, these events have little long-term effect on our lives or finances. The biggest financial problems are self-inflicted. We are our biggest problem! After a lifetime of toiling and saving, don’t let a self-inflicted wound destroy your financial life.
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What are Monte Carlo Simulations, what value do they provide pre-retirement, and do they remain valid during retirement?
Join me and episode co-host Kevin Lyles, CRPC™️ as we discuss whether Monte Carlo Simulations are still valid during retirement.
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"The world is a book, and those who do not travel only read a page." — St. Augustine
If traveling when demand is highest, the trip cost is also highest. If traveling when demand is lower, the trip cost is less.
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Finding purpose in retirement is often less about discovering one perfect calling and more about intentionally building a meaningful life.
My initial vision was to quit practicing Dentistry one year after I transitioned my practice. I wanted to complete the CFP curriculum. I wanted to begin lecturing to the dental and medical community about financial literacy. I HAVE DONE NONE OF THESE THINGS!
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If delayed claiming of Social Security benefits is such a great deal, why do only about 4% to 9% of Americans actually wait until age 70 to collect Social Security? Are the other 91% of Americans ignorant of this strategy, or is there some better process?
Here’s the podcast for the 91% of Americans who don’t wait until age 70 and are shamed by the media for their decision.
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Join me and Cesar A. Aguirre as we discuss his book: Retirement With Purpose The Ten R's for a Joyful Retirement.
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Being underestimated is a powerful advantage that allows you to work in silence and surprise others with your success. It serves as a competitive edge, fostering the freedom to take risks, innovate, and prove assumptions wrong without the pressure of high expectations. -Unknown
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I started taking RMD‘s two years ago. RMDs may be straightforward, but the decision is not! Since taxpayers with a qualified retirement plan normally take RMD‘s, there are questions concerning timing and best strategies once RMDs are required.
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Join Sarah Thompson and me as we discuss in detail her experiences with ill and aging parents.
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I don’t know if you’ve noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer?
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"Hacks" are everywhere, including an article I recently read concerning the Trump account "hack" that could turn small savings into a tax-free fortune. After reading the article, I felt it was technically correct, but disingenuous. It is not practically feasible for most people.
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Kevin Sebesta, CRPC joins me for a fun and entertaining discussion about spending in retirement.
We speak about how to maximize spending for fun, travel, and personal care.
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You can’t think your way out of every hardship, but you can train your mind to notice joy more easily, recover faster from setbacks, and create meaning even when life isn’t perfect. Shifting mindset isn’t about positive quotes; it’s about retraining attention, interpretation, and habits.
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“At 3 percent, you are probably safe; at 4 percent, you are taking real risks; and at 5 percent, you had better like cat food and vacations very close to home." -Attributed to various, popularized in financial planning circles.
A Safe Withdrawal Rate is the amount of money that you’re supposed to be able to remove from your portfolio each year without the portfolio running out of money during a person‘s lifetime.
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I feel strongly that people are put in certain places, exposed to certain individuals, and placed in certain situations for specific reasons. Whether your belief is based on faith, kismet, fate, destiny, or happenstance, there are references to support this supposition.
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Join me as I interview Tim Hamburger, a unique and giving person who shares his life and financial story.
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I've been contemplating recently whether AI could be a useful aid in retirement planning. I asked ChatGPT about the benefits and problems with using AI for retirement planning, and asked ChatGPT to formulate a retirement plan for me.
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"If some lives form a perfect circle, others take shape in ways we cannot predict or always understand." -Nicholas Sparks
This is the SIXTH, and most likely the last podcast about the reestablishment of our household into our current home. This blog follows THE BIG MOVE, THE BIG DRAIN, THE BIG PUSH, THE BIG SPRINT, AND THE BIG SIGH.
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“Most folks are as happy as they make up their minds to be” -Abraham Lincoln
If happiness is not a natural gift bestowed on some people, but not others, can the ability to choose happiness be learned?
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Kevin Lyles, CRPC™️ joins me in a discussion about risk mitigation when market valuations are high.
Are there actions to take, and when are these actions appropriate?
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The question of entering retirement mortgage-free is interesting because it has financial, behavioral, and emotional components.
In this podcast I discuss Taylor's financial position, and use Taylor's review as a gateway to the discussion about whether it's better to retire mortgage free.
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"Words are, of course, the most powerful drug used by mankind." — Rudyard Kipling
I am a firm believer that words are powerful. But, that power can have both a positive or negative effect.
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"Curling is nicknamed 'chess on ice' because strategy plays just as important a role as skill." -Brant Curling
There’s something hauntingly seductive in the extreme slowness and choreography guiding the release of the stones.
I pondered my attraction to curling and weirdly realized that curling has many similarities to finance.
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Join Kevin Sebesta, CRPC™️ and me as we discuss many aspects of aging and elder care. Along with general aspects of aging, Kevin and I discuss our personal journeys with aging parents.
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Both lump-sum investing and dollar-cost averaging are valid investment approaches. But, is one approach better than the other?
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What happens when your work is no longer profitable? Is it time to quit work altogether, or does it provide the opportunity to work free, or work for me?
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“It doesn’t matter how slowly you go as long as you do not stop.“ -Confucius
A little over a week ago, I watched with sadness as newscasters gleefully announced that January 9, 2026, had been proclaimed the unofficial “Quitter’s Day” for this year. Newscasters proclaimed January 9, 2026, as the day that most New Year’s resolutions have already been abandoned.
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We are convinced that the average investor cannot deal successfully with price movements by endeavoring to forecast them. -Benjamin Graham
Late in 2025, I stated I would devote a blog and podcast to dollar-cost averaging. I feel that dollar-cost averaging is one of the two most important strategies that do-it-yourself investors can implement.
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Raising and educating children is not easy. Kids don’t come with instruction books! Parenting information is not standardized. With kids, one size fits one, not one size fits all!
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Join Kevin Lyles, CRPC™ and myself as we discuss the merits of active management and passive investing. In this episode Kevin critiques my decision to engage an advisory firm to manage a portion of my assets and my reasons for this decision.
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Looking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago.
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The end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going!
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Merry Christmas and Happy Holidays for 2025
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“Money doesn’t change men, it merely unmasks them.” -Henry Ford
Several years ago, my wife and I decided we would not wait until we were deceased, but would instead provide financial gifts to our children while we were still alive. This outlines the concept of giving with warm hands versus giving with cold hands.
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It's not easy to create a mindset that embraces saving versus spending.
The pathway to saving money can be very convoluted due to a combination of psychological, economic, and practical barriers.
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“Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas."
For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight.
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It's Thanksgiving, again!
Join me for a mini-Thanksgiving celebration.
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What are Estate Documents, and why are they necessary?
I had Estate Documents drafted approximately 15 years ago. Why do these documents need to be updated?
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Multiple accounts mean more complicated record keeping, retirement planning, and tax preparation. The bottom line is, it’s just harder to keep track of multiple accounts across multiple platforms.
Is it time to consolidate financial accounts?
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Managing expectations is not about reaching a particular goal, or even attaining a certain financial level. Managing expectations has much more to do with mindset and happiness.
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Join Kevin Lyles, CRPC™ and me as we provide a long form discussion about choosing where to live in retirement.
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If you are part of the boomer generation, you were likely raised in the era of “One size fits all”.
But, many years have passed, and the philosophy of one-size-fits-all has evolved to emphasize a philosophy of one-size-fits-one.
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In a world filled with noise, the absence of noise can be very disconcerting. It’s hard for many people to become quiet internally and externally.
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“The more you leave out, the more you highlight what you leave in.” -Henry Green
Over the three years I have been doing this podcast, I've stated that I am a DIY (do-it-yourself) investor with over 50 years of investing experience. This was a true statement until a couple of months ago.
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What happens when your partnership with risk no longer works? How do you dissolve the partnership? This process is termed portfolio de-risking.
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Estimated taxes and tax payments are some of the most misunderstood tax requirements taxpayers face.
Payment of estimated taxes is more problematic for retirees who never paid estimated taxes during their working careers!
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In a recent Podcast I discussed the relative merits of a Roth IRA. Many factors determine whether or not Roth IRA contributions make sense. The account holder’s age, tax bracket, net worth, risk tolerance, and available cash are important in establishing a Roth IRA.
One of the most important factors to consider is age. As someone ages, it becomes less advantageous to contribute to a Roth IRA. There is a crossover point where the disadvantage of initially paying taxes outweighs the advantage of tax-free growth.
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Join me as I move to the other side of the microphone and am interviewed by my daughter Catherine.
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Join me as I celebrate the 3rd Birthday of the Retiring With Enough Podcast, and answer a listener question.
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Everyone has certain needs whether living in a developed or a developing country. Whether you term these things basic life necessities or core necessities, people need these basic things to provide for daily living. These core necessities are food, shelter, access to transportation, access to health care, and utilities.
The United States is considered one of the wealthiest nations in the world. Is a US worker’s income adequate to provide basic needs?
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A friend posed a simple question. Are Roth accounts worth the time and effort?
The answer is complex and more nuanced. Many things determine the validity of a Roth account including age, tax rate, income, retirement planning, and estate planning.
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Mr. and Mrs. Smith are "drowning" in a sea of cash!
Because of this growing “problem”, Mr. and Mrs. Smith decided they want to provide financial gifts to their grandchildren who range in age from late teens to late 20s. Mr. Smith’s questions focused on how to give these gifts in the best manner
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Join Kevin Lyles, CRPC™ and me as we provide a long form discussion about inflation and its multiple effects on retirement.
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Is the historical Viewmaster style of traditional wealth accumulation with no frills or technology still valid, or have traditional wealth accumulation concepts been replaced and negated by more modern approaches?
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There are several basic and essential rules of personal finance that should be learned and followed.
NO ONE wants to reach retirement age with little or no money, and no way to catch up!
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“Family isn’t defined only by last names or by blood; it’s defined by commitment and by love.” – Dave Willis.
Many new homes are built without a dedicated space for family communal dining. This building trend says volumes about American family units today.
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Join me as I interview Cindy Terry, a unique Retiree with a special outlook on life.
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The conventional approach to withdrawing retirement funds generally involves withdrawing from taxable accounts first, followed by tax-deferred accounts, and finally tax-free accounts. This strategy can minimize taxes and maximize the growth of tax-advantaged investments.
Does that mean that this is the best approach for everyone? Like most retirement-related topics, the answer is not a simple yes or no.
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“Time is what we want most but what we use worst.” — William Penn
Each passing year changes and shortens my horizon, just like it does yours.
And that changes how one approaches life. Does one buy a new house at age 73 and consider a 30-year mortgage? Or does someone engage in the opposite behavior, refraining from buying green bananas?
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“If it's your job to eat a frog, it's best to do it first thing in the morning. And if it's your job to eat two frogs, it's best to eat the biggest one first.” - Mark Twain
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In our media-driven world, perception is a powerful emotion. The type and style of clothing worn are common tools that media influencers use to enhance perception. The style and type of clothing a person wears send a powerful message.
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I've always been busy, juggling multiple projects simultaneously and completing projects efficiently. Because each day was fully scheduled, I used time as effectively as possible.
When I quit working full-time, this changed!
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Picking a big winner while investing is a basic universal desire of virtually every investor. Most investors hope to invest in a Penny Stock that will eventually return millions of dollars in profits.
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When faced with big or small spending decisions, there can be numerous negative positions that provide the basis to withhold spending. These constant negative reasons can become formidable obstacles that diminish retirement spending and enjoyment.
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Ten months is not a long time to move and renovate a home. I can’t say that the time has flown by, as each day is filled with thinking about, planning, paying for, or doing home improvement projects.
But, it's been ten months and now it's time for the "Big Sigh" that comes with the completion of a major project.
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If you are still actively working at a job or profession, you have not experienced the joy of not having to go to work every day. Most people look forward to the day when they no longer have to work full-time.
The ability to quit your job doesn’t mean you should stop working. An old axiom states: “Quit your job, but never quit working!”
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Join Kevin Lyles, CRPC™ and I for a long form discussion about strategies to simplify your life in Retirement. Both financial and non-financial topics about life simplification are discussed.
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Join me as I compare my grandson’s attempt at climbing a rope obstacle to life's challenges.
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“If you want happiness for an hour, take a nap. If you want happiness for a day, go fishing. If you want happiness for a year, inherit a fortune. If you want happiness for a lifetime, help somebody.”- Chinese proverb
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Join me for the completion of the All Star #5 interview with Kevin Sebesta, CRPC™.
Kevin shares his extensive knowledge and wisdom, and outlines his "Wing It" approach to Retirement spending.
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On the income side, I did not initially realize the importance of those extra dollars generated through part-time work. The basic concept is that each dollar earned equals $25 less needed in savings. This formula is derived using the 4% rule in reverse.
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In reality, being overfunded considers two very diverse concepts: Having more money than needed for normal living expenses. Spending fewer dollars than are available.
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Join me as I interview Kevin Sebesta, CRPC™. Besides being one of the youngest retirees I know, Kevin is also one of the most unique.
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Logical Fallacies occur many ways. They are sometimes used against investors, and can cost investors lost time and money.
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Retirement Coach Kevin Lyles joins me in a long form discussion about Retirement Spending where Kevin and I duke it out about the pros and cons of his Safety First approach vs my Total Return approach.
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The four most dangerous words in investing are: “This time it’s different” -Sir John Templeton
“There is nothing new except what is forgotten.” -Rose Bertin
Will this time be different?
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“Retirement is a blank sheet of paper. It is a chance to redesign your life into something new and different.” -Patrick Foley.
Ten years ago, at age 62, I sold my dental practice and moved to a different location within the same state. What fueled my decision? Six months ago, my wife and I relocated to a different home within the same city. Why?
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This podcast provides the opportunity to reevaluate thoughts about ENOUGH and personal happiness. Money doesn’t buy happiness. Everyone needs a certain amount of income for basic needs, and a little extra for fun things, but additional income does not appreciably increase happiness.
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“Sex doesn’t disappear, it just changes forms.” -Erica Jong.
Retirement is usually associated with quitting the work or profession you’ve engaged in for most of your life. Retirement doesn’t mean that you retire from relationships and intimacy.
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Join me as I interview Dave Steward, a retirement All Star in all aspects. Dave talks about his early retirement at age 53, and what’s occurred since his retirement approximately six years ago.
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“Knowledge is knowing that a tomato is a fruit. Wisdom is knowing not to put it in a fruit salad.” – Unknown
Faced with declining abilities, many people attempt to unsuccessfully continue using Fluid Intelligence instead of embracing Crystallized Intelligence. They become the whining dog!
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Retirement Coach Kevin Lyles joins me in a long form discussion about Retirement Spending Rules. Kevin and I discuss the pros and cons of the most popular spending rules and plans.
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"The most difficult thing is the decision to act, the rest is merely tenacity.” -Amelia Earhart.
It’s been a few years since I have revisited and critically evaluated what I believe to be ENOUGH, so I will spend the time normally allotted to formulating (and then not following) New Year’s resolutions to evaluating what I currently believe is Enough.
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Join me as I explain my year-end process for determining my spending level for the upcoming year, and the rationale for accomplishing this process around New Year's Eve.
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The Retiring With Enough podcast wishes Happy Holidays to all!
This year in addition to spending money, "spend" your time creating memories with family and friends.
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Physical fitness is the first requisite of happiness. To achieve happiness, it is imperative to gain mastery of your body. If at the age of 30, you are stiff and out of shape, you are old. If at 60 you are supple and strong then you are young- Joseph Pilates
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Retirement Coach Kevin Lyles joins me in a long form discussion about Identity in Retirement, Retirement problems concerning Identity, and offers suggestions to help create the ideal Retirement Identity.
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Any veteran of investing knows that there is no free lunch. Investing involves costs! Anyone new to investing, an investing “Newbie”, may be unaware of the scope and extent of investment costs.
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Charles Dickens said, “Reflect upon your present blessings—of which every man has many—not on your past misfortunes, of which all men have some.”
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In this podcast, I’ll explore our decision to “Rightsize” into a larger and more expensive Home, and some of the pros and cons associated with “Upsizing” or “Rightsizing” (whichever term you prefer.)
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Join me as I interview Mark Ross, MBA, ACC. Mark is an “Encorepreneur,” Thought Partner/Coach, Team Host with the Rock Retirement Club, and a Strategic Coach with the REALIFE Process. Mark shares his insight as a retirement coach and a nine year retiree.
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A great deal of information has surfaced about spending patterns in retirement. One of the most commonly accepted theories is the theory of “U-shaped” spending. The U-shaped spending pattern indicates increased spending at the beginning and the end of retirement, with less spending in the middle phase.
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There are two considerations involved in the action of “Disappearing” in retirement. One factor is how you view yourself, and the other factor is how you are viewed by others.
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Downsizing is a real consideration among pre-retirees and retirees. My wife and I decided that downsizing was right for us, and have lived comfortably in a small patio home for the last ten years. In this podcast I discuss the pros and cons of downsizing.
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Kevin Lyles, Head Retirement Coach of the Rock Retirement Club, joins me in a long form discussion about deciding when is the right time to quit working and retire.
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It was during these weeks spent in the small town where I grew up that I learned a valuable life lesson. I began to realize the importance of the connection between people was greater than the help provided.
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“We are all ignorant; just about different things.” -Mark Twain.
Find out why I was both flabbergasted and "flat footed" when I first met IRMAA.
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“Believe you can, and you’re halfway there.” – Theodore Roosevelt. Starting a fitness program doesn’t have to be elaborate or expensive. Most people can begin a basic fitness program with clothing and items normally found around a home. A simple program requires only commitment and a few inexpensive items.
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Each week my approach is to combine stretching, weightlifting, and aerobic activities in different ways to provide a rounded training program.
Vince Lombardi is quoted as saying: “Most people fail, not because of lack of desire, but, because of lack of commitment.”
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In horse racing parlance, my wife and I are approaching the clubhouse turn. Like racehorses near the end of a race, we have begun our sprint to the finish line. For us, the finish line will be the completion of our move into our new home.
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“Don’t give up. The beginning is always the hardest. Life rewards those who keep pushing through the challenges.” – Paulo Coelho, The Alchemist (1988)
The saga continues as we purchase our new home and begin renovations. How are things going?
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In my last podcast (The Big Move), I spoke about our decision to purchase another home in a more upscale area of our hometown. I went over all of the pros and cons of our decision.
This podcast discusses the financial decisions about the purchase of our new home.
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After relocating to a different city within the same state about 10 years ago, my wife and I are moving again. This home will be our fourth “Forever” home. It seems apparent that our residential “nesting“ decisions are not written in concrete.
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Troughs are utilized to feed pigs. The problem with a trough is that only so many pigs can eat at any given time. The pigs push and force each other away from the trough to gain access to food. In this manner, new and dominant pigs will force their way to the trough and replace the pigs currently eating.
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The goal of the Retiring With Enough blog and podcast has always been to simplify retirement planning and retirement. As I approach my 100th blog and podcast, I thought it would be interesting to take a retrospective look at some of my earlier blogs and podcasts.
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I realized that “planning is planning,” and how many similarities there are between business planning and Retirement Planning. There are necessary steps in business plans, and there are necessary steps in retirement planning. A sequential and organized approach to both business and retirement planning will produce the best results.
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I finished my Roth conversions several years ago. I was pleased, and congratulated myself for my financial savvy! But now Older Me is telling Younger Me that maybe I was not as smart as I thought I was!
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You may have a sibling, parent, or spouse who is ill, aging, incapacitated, or in need of care. I was able to spend several days a week with my mother and walked beside her during the last stages of her life’s journey. This podcast details some of the things she and I experienced!
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Join me as I interview Kevin Lyles, CRPC. Kevin is a Retirement Planner and the Head Retirement Coach of the RRC (Rock Retirement Club). Kevin shares his insight as a retirement planner and a six year retiree.
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Everyone always likes talking about money. There is an old saying about how money makes the world go round. Everyone has their ideas about money, and how it should best be used. When you think about it, there are only about five ways to use money!
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Having a good income creates a sense of economic well-being, but is not a good indicator of physical well-being. Health has a big impact on the quality of life, regardless of the amount of annual income of a person or couple.
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Just as perfectionism can have a dark side, workaholism signifies the dark side of a positive work ethic. As a recovering perfectionist and workaholic, I still battle the urge to overwork. If not recognized and controlled, workaholic tendencies can resurface in retirement due to the increased free hours to fill each day.
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Join me as I interview Fritz Gilbert, Founder of The Retirement Manifesto blog, and author of “Keys to a Successful Retirement- Staying Happy, Active, and Productive in Your Retirement Years.” Fritz and I will discuss the things that I feel have deemed Fritz a “Retirement All-Star.”
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Memento Mori: “Remember you die.” I’m aware that death is out there somewhere on my horizon, but that horizon still seems a long, long way off. I don’t think about my death, and I certainly don’t dwell on it. I’m not ignoring or denying my demise, I’m just not embracing it.
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“The key to happiness is letting go of that idea of perfection.” -Debra Messing. We constantly hear that Perfection is the ultimate goal and that we should always strive for perfection. Can Perfection have a dark side?
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“Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference.”. -Robert Frost
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Considering Retirement options? Creating a Blog or Podcast may be what you desire. Learn about my Podcast and Blog journey.
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A listener questioned which is better: Cap Weighted funds or Equal Weighted funds?
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Join me for a one-on-one conversation with Jim Saulnier, CFP™ and Co-Host of “The Retirement & IRA Show,” where Jim discusses retirement focused questions and questions about his retirement plans.
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Look around today and take a moment to realize that we’re not that different from each other. Even if we are somewhat different, that’s ok because “You Can Only be Who You Are.”
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During the 10 years since I quit working full-time, I have been able to formulate an almost ideal plan for purpose in retirement. This podcast discusses how I’ve spent the last ten years, and discusses how individuals and families don’t need ten years to formulate a successful retirement plan.
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How has my financial situation changed over the last ten years? I explore my personal finances ten years into retirement with respect to: Income, Net Worth, Budget, and Spending.
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The transition from working full-time to retirement is very stressful for most workers. Probably the most stressful question involves the actual decision to quit working or quitting full-time work. Leaving full-time work almost ten years ago has afforded me adequate time to evaluate my decision from many aspects.
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Living in the “Shangri La” of the South, and the life lessons learned.
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The two biggest concerns with Roth IRA withdrawals are once the money is removed from a Roth IRA account it cannot be repaid, and that dollars withdrawn from a Roth IRA account miss out on all future tax-free earnings.
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The Government has a new proposal to close loopholes and clarify the Fiduciary standard. The government is now trying to hold financial advisor’s feet to the fire by clarifying and redefining the fiduciary standard to become much more restrictive while at the same time allowing more advisor access and more insurance products in retirement plans.
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Retirement planning is like life because potential retirees go through retirement infancy, retirement adolescence, and strive to become mature adult retirees. Part of the maturing process is realizing what you don’t know, and that there are always new things to learn.
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Success is subjective. Successful people have mastered one or more of these traits needed for success.
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The first anniversary of the Retiring With Enough podcast provides an opportunity to re-evaluate the three main concepts of the Retiring With Enough three-legged stool. Change means growth, and change is coming to the Retiring With Enough podcast.
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Since the consolidation of thirteen colonies into the United States of America, one of the components of the American Dream has been business ownership. Proceeding from an idea to an actual business requires many steps that must be successfully completed to afford the greatest chance for survival. New businesses have a survival rate of approximately 20%.
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Home mortgages are a necessary and confusing problem for countless homeowners. Many homeowners, to their financial detriment, don’t fully understand the terms and conditions of their mortgage.
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If a $1 million Nest Egg is a reality for approximately 9% of the US population, can a Net Worth of $1 million be a possibility for you? Is it possible with only an average income?
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The question of “Spending now versus saving for later” can present a substantial problem for couples, especially if spending patterns differ. The decision to spend now versus saving for tomorrow is not a black-and-white decision.
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Roger Whitney, host of the Retirement Answer Man podcast answers retirement focused questions. Roger discusses retirement planning, retirement planning mistakes, worries about running out of money, and other retirement concerns.
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“Smart people learn from their mistakes, but the real sharp ones learn from the mistakes of others” -Brandon Mull
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Before and throughout recorded history, man has sought ways to store, preserve, create, and transfer wealth, but these methods of wealth preservation and transfer have changed radically over time. Journey from past to present with Money and Investing (with emphasis on the last 50 years.)
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Wishing all listeners the very best holiday season.
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For people who are retired, or approaching retirement, income needs and income generation in Retirement take center stage. Retirement income can be generated from many different sources, but few income sources are steady and ongoing. Do annuities provide a safe and inflation protected source of retirement income?
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Over the last few years Annuity ownership within retirement plans has become more commonplace. But, annuities can be very confusing and misunderstood. The main benefits of annuities appear to be secure and guaranteed income that can occur over a fixed period, or for the remainder of a person’s life. However, it should also be noted that these benefits come with a higher cost in terms of fees, lack of liquidity, lack of flexibility, and loss of principal in most cases at the contract’s end.
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There are significant differences between Traditional and Roth IRAs. An outside author states that Roth IRAs are beneficial for only 0.2% of workers. Both types of IRAs are outlined and contrasting information is provided to help listeners formulate their own opinion on the validity of Roth IRA contributions.
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Retirement can be a period of confusion concerning how each day will be filled and how to schedule retirement activities. Hybrid Planning Calendars are a melding of structured and unstructured planning calendars and are an effective calendar/ planner for use in retirement.
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Reflect upon your present blessings of which every man has many - not on your past misfortunes, of which all men have some. -Charles Dickens
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Each person’s "Life Clock” is wound only once and no one knows exactly when that clock will wind down and stop. Different people in different cultures and different localities place different values on time. But in its final essence, we are all given the same amount of time each day, and each person has a choice in how they will spend the time given them.
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A listener recently begged me to agree with him that his best option was to sell all of his stock holdings and move to a cash position. Would my agreement with his statement be considered wise?
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Just like a real pie, a Retirement Pie is the combination of many different ingredients that are mixed a certain way, layered in a pan (retirement account), and then allowed to cook (mature) for a period of time.
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I recently reviewed the original podcast titled CRAFTING A STRATEGIC INVESTMENT ROADMAP, and realized that the material was comprehensive, but also complex. The simplified version of crafting a strategic Investment roadmap utilizes only two principles.
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Almost everyone knows those gnawing internal feelings that can eat away at physical and mental health if not addressed. The first step in treating stress and anxiety is to acknowledge their presence. The causes and manifestations of stress and anxiety are harder to treat and resolve.
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Staying in a toxic workplace and work dissatisfaction can lead to problems with physical health, mental health, and overall well-being. Five pathways to better job satisfaction are discussed.
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A listener questions whether “All In” in the S&P 500 Index is a good idea? The pros and cons of 100% allocations in single asset classes are discussed through Mathematical and Emotional explanations.
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C.O.L.A. payments are annual additions added to Social Security benefits to help offset inflation when needed. This podcast discusses whether C.O.L.A. payments keep pace with inflation.
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Quitting work permanently is inherently different from changing jobs, so these two situations should not be treated as being equal. What does someone need to do in both situations?
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What are the functional aspects of a Net Worth number? What does net worth mean? How does Net Worth fit into an integrated retirement plan?
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Self-importance is an easy behavior to understand in light of today’s social media. In prehistoric times self-importance fostered self-awareness and self-preservation. But, we are no longer in prehistoric times, and self-importance can lead to treating others poorly!
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Everything has a cost that differs from its price, and those costs can be expressed in terms of monetary costs, physical costs, mental costs, and emotional costs.
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Retirement is less about having more than enough or having enough, and much more about what creates sustained happiness and satisfaction. Does more than enough create Alpha (excess happiness) over enough?
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The “One More Year” Syndrome is a real phenomenon and can cause significant delays in retirement. There are many good reasons to continue working, as well as many good reasons to quit working and retire. Do you need to work “One More Year”?
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The 401(k) is one type of Defined Contribution plan that allows employees to save in a tax-deferred or tax free vehicle while also gaining matching funds from the employer. It can be one of the best ways to fund retirement if workers understand 401(k) plan benefits!
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Financial advisors encompass a large field that includes insurance agents, bankers, certified financial planners, and CPAs. The question of engaging a financial advisor or self-managing Investments ultimately affects every investor!
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Most people dream of the one event that will make them multimillionaires, but statistically very few people in life are afforded that luxury. For the majority of people, successful retirement planning involves Investing a certain percentage of income regularly for long periods, usually 30 to 40 years or more.
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Historically, Social Security benefits have been regarded as a right of workers who reach retirement age. This may come as a HUGE surprise to most people, but Social Security benefits are NOT guaranteed by the US government.
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Learning about finance is like learning a new language. Financial literacy takes time, and financial fluency may take a lifetime.
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“What’re you gonna do? Walk away, or stay another day?” This is the choice every worker will face at the end of their working career.
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Modern technology, computer programs, and money-saving applications provide multiple saving pathways for short-term goals.
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At some point, everyone needs to clarify what’s most important in their life. The difference between successful people and really successful people is those really successful people say no to almost everything!
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Fears over tomorrow and regrets over yesterday are twin thieves that rob us of the moment. A life filled with regrets is a life unfulfilled, and the best way to deal with regret may be to proactively develop good habits and avoid early signs of regret.
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Physical real estate entails risks not found in other types of investments and investments are generally concentrated in fewer assets, and therefore, involve much higher risk.
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An Investment Plan is an integral part of retirement planning that involves the process of aligning financial goals (where you want to go- your destination) with investment resources (what you currently own to help get you there.)
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People are not born with the same level of timing instinct. But, every person can improve, enhance, and refine natural decision and timing skills.
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A Retirement Paycheck provides the money each person or family will use for living expenses after retirement. The five steps provided in this podcast help to simplify the process of creating your retirement income Paycheck.
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Much of the fear, anxiety, and apprehension surrounding retirement spring from the prospect of funding retirement with after-work income. The first step in mediating these emotions is locating and listing every applicable retirement funding source.
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It’s believed by many that “A Life Well Lived” is the result of the balance of Love, Play, Work, and Worship. ENOUGH and HAPPINESS create the framework for a life well-lived, and to leave this world a better place.
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The HSA is most valuable to young workers, but has benefits for all workers. The HSA is a Triple Tax Advantaged account that can become a valuable tool for saving if used strategically.
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What are Stocks, where and how to purchase them, Stock classifications, and EMH (Efficient Market Hypothesis) are all discussed.
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During an inflationary cycle consumers can be highly affected or unaffected. Should you buy, sell, or hold in an inflationary period?
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The early initiation of a retirement plan is a great wealth builder for workers who start as soon as possible after beginning a working career. This podcast discusses the commonly available types of retirement plans.
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Even if your portfolio is professionally rebalanced, it's important to understand the principles, basics, and mechanics for rebalancing. Rebalancing returns the values of a portfolio's asset allocations to the levels defined by an investment plan.
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The nuts and bolts of portfolio construction, along with an explanation of asset classes, asset ratios, and appropriate assets to fund a particular portfolio type
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The prospect of financial Emergencies creates a need for readily available funds. How to create a fund, dollars mounts, and best places to store the funds are discussed.
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What asset class has traditionally provided the best long-term results, and how does this information correspond to information found in popular internet articles?
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Can altering your attitude really alter your life? A more positive orientation can improve your mood, relationships, job and life satisfaction!
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The biggest thread to retirement portfolio depletion is not within a person’s control. Learn what is available to protect your hard-earned retirement dollars. If you’d like to be a part of a free online retirement community, join us on Facebook:
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Recent studies seem to indicate a decrease in sustained attention span. The results of these studies are preparation for a successful retirement involving years of concentrated effort and planning.
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For many workers, easing into retirement is an expectation that is never realized. There are many options available for part-time jobs that are limited only by imagination and flexibility.
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Regret of the past and fear of the future are the twin thieves that steal joy from the present. In the same light Gratitude and Purpose are the twin heroes that enhance retirement. Expressing gratitude each day helps to focus on the goodness of life.
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Divorce among the 50+ crowd (Gray Divorce) is on the rise. It is important to consider the financial, emotional, physical and behavioral implications of Gray Divorce before you pull the plug on a long term relationship.
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Albert Einstein called compound interest the eighth wonder of the world. This podcast discusses compound interest, how it affects investments, and classic examples of compound interest at work.
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Does success bring happiness or does happiness bring success? This podcast explores the cross of life and the pathway to happiness through the balance of work, play, love and worship.
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Understanding Opportunity Cost and Time Value of Money can mean the difference between a lifetime spent working each day for dollars you need, or having investment dollars work for you each day.
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Travel in retirement, and traveling in general may not bring joy. This Podcast discusses travel, travel in retirement, and New Orleans (The Big Easy.)
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Best places to “Park” short-term funds are detailed. Short-Term funds are dollars that will be needed in less than two years.
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Providing for Health Care after quitting work may be easy, or not. Different Health Care options available to early retirees are discussed.
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How much is enough? In retirement you must ask yourself this question and for everyone the answer is different. Listen in as we explore the question of "enough" and help you figure out your own personal answer.
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In this podcast we combine several pieces of important financial information to create a master financial retirement plan.
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Just like a net worth statement, current annual spending is important in retirement planning. This podcast talks about how to determine annual spending and how to estimate annual spending in retirement.
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Net Worth is one of the most important pieces of information in the Retirement Planning process. Find out about Net Worth, Net Worth Statements, and how to put one together. If you’d like to be a part of a free online retirement community, join us on Facebook:
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Your “Number” equals the amount of assets needed to replace current income. What the “Number” represents, and how to determine your individual number will be discussed. If you’d like to be a part of a free online retirement community, join us on Facebook:
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The decision to retire is stressful, and indecision and overanalysis can paralyze pre-retirees. Don’t let Paralysis by Analysis ruin your retirement plans.
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Hopefully, everyone has contact with Mr. Smith during their lifetime!
Mr. Smith could be a relative, co-worker, neighbor, boss, teacher, or just a friend. Regardless of when and where you meet your Mr. Smith, it is one of those joyous times in life that you may not be aware of at the moment. A Mr. Smith will share some of life’s greatest truths if you only take the time to understand and absorb the message.
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Many readers will remember the 1976 hit film Network and the statement “I’m as mad as hell and I’m not going to take this anymore!” which became a national mantra in 2009.
At some point, almost all of us begin to feel this way about working at a paid job. There is a multitude of reasons why this happens, but the number one reason seems to be a poor or toxic workplace culture.
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There is a children’s game called Twenty Questions. In this particular game, you must guess what the other person is thinking by asking twenty “yes” or “no” questions.
Unfortunately, trying to vet Financial Advisors requires a little more effort and information.
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There is probably nothing (Except poor personal money management) that costs the majority of uninformed clients more than poor advisory management. Even worse than a poor investment decision which normally affects an investor once, poor management hurts on an ongoing basis.
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Temporal discounting is also the enemy of planning. Why plan for the future when it is of less value than the present? A solid and well thought out plan is a person’s best defense against Temporal Discounting and future disappointment upon retirement.
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One could come up with numerous “most important” pieces of information necessary to begin the retirement planning process. All of these “most important” pieces of information are not really that important if not placed in the proper context, are not understood, and are not properly utilized.
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As a Chartered Retirement Planning Counselor™ and long-time individual investor, I feel that I have a unique perspective! After much thought, research, and deliberation, I have ultimately condensed the problem to one of “ENOUGH.”
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