Spend money to improve your life, not to make it look better to others. Too often in a world dominated by social media, visibility is mistaken for security. Rich-looking lives are often financially brittle. A month ago, a good-looking young guy popped into my Twitter feed. There was a video of him sitting on Santa’s…

Default to accountability. Self-awareness is the golden ticket to controlling your destiny. This tenet holds for both NFL management and retirement investors. The NY Giants just completed another godawful season, going 4-13. Amazingly, this was an improvement over the previous year’s 3-14 debacle. A combined two-year record of 7-27 led to wholesale fumigation of the…

Winter is here, and you should be happy. Getting the most from summer means surviving frost. It’s easy to take for granted 80-degree days if you dont suffer through some bone-chilling ones. The same principles apply to gardening, which is a metaphor for investing and life. This year, I decided to explore winter-sowing. When you…

More isn’t always better. This rule applies to both your health and money. Prescription drugs are the most concentrated position in many retirees’ portfolios. The WSJ recently published an article on the dangers of Polypharmacy, patients ingesting eight or more medications simultaneously. They uncovered some alarming data concerning seniors’ healthcare. In 2022, 7.6 million seniors…

The first rule of being successful is not dying. Rolling Stone’s guitarist Keth Richards is a case in point. Last week, Richards celebrated his 82nd birthday. Unlike his bandmates Charlie Watts and Brian Jones, Richards is still shredding. Amazingly, the average American Man expects to live to 75.8, and only 7% of longevity is attributed…