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Life’s Curveballs

Life’s Curveballs

Over the weekend, I went for a run as I often do. I time myself for every single run and I generally run the same route each time. Some might consider that boring, but I do it because it gives me a number to shoot for. If I run different routes, I can’t compete with myself to try to beat my best time. If you think that’s silly, I totally respect that. But all I did growing up was play…

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Retiring at Market Highs

Retiring at Market Highs

As we approach new all-time market highs, one fear I routinely hear is a concern over retiring at market highs. It makes sense given that sequence of returns risk is so prevalent early in retirement. If you experience a market meltdown during your first few years in retirement, that’s obviously not a good thing and most certainly not enjoyable. It’s the primary reason I advocate for pairing dividend growth investing with a bucket allocation strategy in an effort to stem…

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Weekend Reading 03 – 11 Steps to a Better Retirement

Weekend Reading 03 – 11 Steps to a Better Retirement

Here are this week’s articles that I enjoyed and hope you will too! 11 Steps to a Better Retirement (humbledollar.com) “When it comes to retirement planning, many Americans focus primarily on their portfolio’s size. That’s understandable. But there are other issues you should also think about, so you get your retirement on the right track and keep it there. Here are 11 steps to a better retirement:” What Makes a Home Beautiful (becomingminimalist.com) “The concept of home as an ideal for…

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7 Estate Planning Essentials

7 Estate Planning Essentials

For most people, estate planning looks something like this: “When all is said and done, more was said than done.”  – Lou Holtz Anyone who has helped in the estate resolution process for a loved one knows it can be either an enormous pain or relatively painless (excluding the loss of your loved one, of course). The level of difficulty is almost certainly determined by the planning or lack thereof done by the deceased. The general public has erroneously focused their estate…

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Writing a Letter to Your Loved Ones

Writing a Letter to Your Loved Ones

This site is all about living a better retirement and having a bigger impact. An idea I have heard from a few people recently is to write a letter to your loved ones – particularly those you hope to have some sort of impact on. In my case, I have two young sons. Regardless of their age, I am making a commitment to write a letter to them each year on my birthday (next week I turn 36) where I…

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The Only Benchmark That Matters

The Only Benchmark That Matters

Each day, investors everywhere compare their portfolio’s return to a benchmark. Many times, at least for investors in the U.S., the benchmark of choice is the S&P 500. I find it endlessly fascinating because a benchmark is simply the average of all investor returns before costs. This is not opinion, but fact. John Bogle, the late founder of Vanguard, said it this way in his book “Common Sense on Mutual Funds“: All investors own the entire stock market, so both…

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Weekend Reading 02 – Get What You’re Owed from Equifax

Weekend Reading 02 – Get What You’re Owed from Equifax

Since I started this site, I’ve committed myself to publish at least one article per week. But this week, I did not achieve my goal. It’s not that I didn’t write. In fact, I wrote two this week, but I honestly wasn’t feeling proud of either one, so I did not publish them. Because I value your time as a reader, whenever I click publish, I want it to be useful to you. If I feel I cannot accomplish that,…

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What’s Really Going on in the Stock Market?

What’s Really Going on in the Stock Market?

I’m generally not big on posting articles about “What’s going on in the market?” But today, August 13th, marks the 40th anniversary of the infamous “The Death of Equities” article by business week. It came out, originally, just in time to usher in one of the great bull markets in our country’s history. I’ll get to some data on the current market environment, but before I do there are some amazing (surprising for some people?) observations about what’s happened since…

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Weekend Reading 01 – 3D Printing the Human Heart

Weekend Reading 01 – 3D Printing the Human Heart

Over the past few weeks, a number of readers emailed me wondering what happened to the Retirement Digest and if I was still doing it? Truthfully, I just fell behind, so I’ll try to do a better job of being more consistent with it. These are the financial and non-financial articles I think are worth reading if you’re so inclined this week. I will also start linking to good podcast episodes and books as I get to them in case…

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There Are No Facts About the Future

There Are No Facts About the Future

As the market has started to meltdown this week and the presidential debates are heating up, there are plenty of discussions about what might happen to the economy if Trump’s tariffs continue or if Senator Warren or Sanders were to win the presidency. The latter bears a striking resemblance to the same predictions about how things might turn out when Trump shocked the world. Politics as usual. In any election cycle (which, to my dismay, never seems to go away),…

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