It’s not what you spend; it’s what you spend it on that matters. Recently, we flew to California for the FutureProof Festival sponsored by our firm. The trip going was a non-event. The return flight was a game-changer. For the first time in thirty years, I flew Business Class. I didn’t realize how crappy the…

Is spending harder than saving? For many retirees, the answer is a resounding – YES. Even though affluent retirees fail to spend their annual income, the problem persists. Part of the fear is due to the wide range of withdrawal rates, 3-5%. Others are spooked by the media drumbeat of how woefully unprepared most Americans…

You are what your coping mechanisms say you are. Bad things happen; what matters is how you react to them. Learning to cope with personal and financial turmoil is worth more than a four-year college degree. Americans suck a coping. In comparison to other wealthy nations, Americans die a lot younger. Surprisingly, this gap is…

Growing old and vanishing is an unrelenting nightmare for many people. Multitudes of workers stay on jobs they despise for this very reason. The fear of irrelevancy often trumps the uncertainty accompanying freedom from the workplace. Jenny Joseph wrote a viral poem as a rebuttal to the sexism prevalent in our society. It centered on…

Our lives are overflowing with vast emptiness. We should comparably view our investments. Emptiness has a negative connotation. In reality, its definition is centered upon unlimited potential. As human beings, we confront this daily, though we may choose to ignore it. The four most frightening words in English are: Anything can happen anytime.  Our day-to-day…