Category: Strategies and Blueprints

How To Ensure You Succeed in 2017

Reading Time: 4 Min   The new year is upon us and that means big change. A 6 day a week gym habit! An all salad diet! Big outcomes require big change, right? Eh. Not really. I just finished an interview with Forbes about my recommendations for money management in 2017, and I’d like to...

Snapshot vs Stable State: Why Your Retirement Budget is Overinflated

Reading Time: 4 Min I read a lot of FIRE boards. And something particularly eye-opening is comparing the budgets of aspiring FIRE-ers with those of the actually retired. Most folks report that they actually spend less than they budgeted in retirement. Sometimes it’s less travel, sometimes it’s less eating out, and sometimes it’s less on an...

You Can Pay Zero Income Tax In Retirement – Legally

  Reading Time: 3 Min Good news for you and your projection sheet. If you’ve been baking in income taxes in your retirement plan, you may actually be closer to retirement than you think. For most of our working lives, we generate a sizable amount of income. That bumps us into higher tax brackets for our...

Life As Art: Less Is More

  Reading Time: 5 Min   When people talk about their dream lives, many of them bring up expensive toys. Big mansions. First class international tickets. Giant swimming pool and personal chef. This is understandable. They look at the toys in their life right now and think “these aren’t making me very happy,” so they...

What Retirees Can Do About Today’s Low Interest Rate Environment

Reading Time: 8 Min    If you’ve read my last post, you understand why today’s environment is so difficult for aspiring retirees. Retirees want steady cash flow options, and that often means parking a big chunk of change in bonds. However, bonds are paying a ridiculously tiny 2-3% interest compared to the 7-10%+ interest rates...

Teardown: How to Build an Airtight Retirement Budget

Reading Time: 12 Minutes   Building a retirement budget can feel like an overwhelming exercise. You may want to move to a lower cost of living area or a state with no income tax post retirement. You must plan for a different stage of your live that will involve different needs around medical costs and...

Teardown: Metrics You Need To Track For Financial Takeoff

Reading Time: 7 Minutes You make what you measure. If you don’t have a constant metric you can monitor, you cannot be disciplined about what you do. Having a concrete target to track helps you prioritize, build momentum, and ultimately makes the whole thing fun. That means you need to start your journey with a clear...

Four-Step Blueprint to Retirement: Part 2

Reading Time: 8 Minutes   This is part two of a two part series on achieving retirement. As we already know from part one, there are two universal equations that govern our retirement progress. The savings equation and the nest egg equation.   Universal Retirement Equations   1)   Income – Spending = Savings 2)   Savings x...

Four-Step Blueprint to Retirement: Part 1

Reading Time: 9 Minutes   When you get right down to it, the pattern we all follow to reach retirement escape velocity is very much the same.   Our nest eggs are all governed by the same two simple equations.   Universal Retirement Equations 1)   Income – Spending = Savings 2)   Savings x Growth X...

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