Don’t Send Them Back

What would America look like if we ejected people based on personal disagreements? Some are dying to find out. Getting past the not so small matter of deporting U.S. citizens for trivial reasons, how would this play out? Say goodbye to American culture. This includes Apple Pie. Taken to its extreme, such a policy would…

In Defense Of Millennials

Millennials get a bum rap; jokes about avocado toast, safe places, and man-buns camouflage their best qualities. Doing the right thing is more important to them than being masters of the universe. We hear much about every “snowflake” getting a trophy. Nobody mentions their parents who gave them out. This generation doesn’t want to be…

It’s Monday Again…..When Is My Retirement?

The U.S. women’s soccer team was rewarded with a parade in NYC for their victory in the World Cup. Nobody receives a parade for saving for retirement but few things are more important. Start your plan right here with this week’s terrific links.   Will you be a retirement baby chaser? Marketwatch Should you use…

College Isn’t for Everyone

College isn’t the right track for many young people; there, I said it. Before lighting a fire to burn me at the stake, let’s look at some data: 20% of students don’t graduate from high school. 20% will go from school to something besides further schooling. 20% enroll in college but fail to graduate. 20%…

It’s Monday Again…..When Is My Retirement?

If your retirement plan is filled with fireworks – It’s time to get a new plan. Start by reading this week’s terrific retirement links. Social Security is much more than a retirement benefit. Center on Budget and Policy Priorities  How much money do you need to be considered rich in retirement? Bloomberg A bigger home…

It’s Monday Again…..When Is My Retirement?

This week we celebrate our nation’s independence. Read our terrific links and create your own financial July 4th – an independently wealthy retirement. More than 70% of Americans claim social security before turning 64. Bloomberg Annuities in 401(k)’s may cause more problems than they solve. Barron’s Nursing home costs are rising faster than health care….

Compounding Gone Wild!

What’s the most deadly financial mental illness? Introducing –  exponential growth bias. Many can’t comprehend the basic premise of compounding – reinvesting interest on interest. Its effects are devastating. According to The Wall Street Journal,  “Research shows that this bias matters: Households with a stronger bias tend to save less and borrow more. They have…

It’s Monday Again…..When Is My Retirement?

Stocks go up, stocks go down. Focus on the things you can control. Your saving and spending rates will determine your future. Read about what really matters in this week’s terrific links. Spending time outside is a great investment. The Washington Post Bad news can be better than uncertainty. The Humble Dollar Why are more…

Live Rich, Die Poor

Money is a ticket. Purchase happiness or count your daily beans. The choice is yours. Our recent trip to Italy confirmed the data presented by the likes of Brian Portnoy and Daniel Crosby. No need for fancy charts or psychologist’s white papers. Italians get it and do it. All isn’t perfect. Italy is a fiscal…