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My retirement date finally has a number attached to it. Here’s the real list of what I still need to sort out, and the honest reasoning behind the one decision people keep questioning, my mortgage. The post Counting Down: What I’m Actually Going to Do Before I Retire in 2 Years from Now appeared first on European Dividend Growth Investor.
An emergency fund still matters after retirement, but its purpose changes. Focus on unexpected expenses, reliable income, and avoiding poorly timed investment withdrawals. Rido/Shutterstock For most of your working life, emergency-fund advice probably sounded straightforward: keep enough cash available to survive a few months without a paycheck. Then you retire, the paycheck disappears permanently, and suddenly that familiar rule does not fit quite as neatly. Social Security, pensions, retirement-account withdrawals, and other income may continue […]
Social Security delayed retirement credits stop at age 70, but retirement planning doesn’t. RMDs, Medicare premiums, taxes, investments, and survivor income can still change. PeopleImages/Shutterstock Waiting to claim Social Security can pay off, but there is a point when waiting longer stops helping. The Social Security Administration explains that retirement benefits increase when you delay them beyond full retirement age, with delayed retirement credits ending at age 70. That means someone who has reached 70 […]
Here’s our latest interview with a retiree as we seek to learn from those who have actually taken the retirement plunge. If you’d like to be considered for an interview, drop me a note and we can chat about specifics. This interview was conducted in July. My questions are in bold italics and their responses follow in black. FYI, this interviewee has already written a post here about redesigning your financial life. She also writes regularly (with some great […]
In Zindagi Na Milegi Dobara, the protagonist Arjun had a number. We wanted to hit the target corpus by 40, retire, and finally start living. It’s one of the most seductive ideas Bollywood ever put on screen, and it has quietly become the blueprint for an entire generation of Indian professionals. I meet Arjuns every… The post Early Retirement Planning: The 50-Year Puzzle appeared first on freefincal.
Most of the decisions we make in retirement planning become easier once you understand why you are making them, but that does not mean they always feel intuitive. Investing is a good example. You spend your working years accumulating savings, often with the understanding that accepting some market risk is necessary to grow your money. Once you retire, continuing to expose those savings to market losses can feel much harder to justify. You have spent […]
All InsightsWeekend ReadingStrategyWheelersAvantis expands Small Cap Value ETF Availability, Return Stacked ETFs vs DBMF & 4 Alternative Paths to RetirementAugust 14, 2026Raph & Francesca ShareIf you live in harmony with nature you will never be poor; if you live according what others think, you will never be rich.Seneca On this page ⭐ Featured📊 Portfolio Construction🎯 Active Investing📈 ETFs🏖️ Wealth Management🚲 Design Your Lifestyle💻 Tech & Economy💡 And Finally On this page ⭐ Featured📊 Portfolio Construction🎯 Active Investing📈 ETFs🏖️ Wealth Management🚲 Design Your Lifestyle💻 Tech & Economy💡 And Finally ⭐ FeaturedBanker on Wheels Resources Equity Allocation: Is Your Overconfidence In Understanding Risk Leading You To Financial Ruin? Banker on Wheels Investing comes with various risks. One of the most critical is not achieving your goals. To reduce it, a certain amount of equity risk is needed. On the flipside, some investors take more risks that they are able, willing or need to take. The excessive risk often comes from overconfidence in an “ability” to estimate the odds of the equity market.In today’s article, Larry argues that being on the conservative side and thinking of equities as ‘uncertain’ is more prudent. More than the specific terms of the framework, focus on Larry’s key takeaway – for a lot of investors the perception of the equity market often flips from measurable ‘Risk’ to ‘Uncertainty’ we cannot measure when unprecedented events unfold.Misjudging how our brain works when faced with black swans increases your risk of ruin. Show more Single Stocks in Your portfolio: It’s Time to Finally Clean Up Your PortfolioBanker on WheelsBroker Safety: With Leverage at All-Time Highs, Which Brokers Are Most Exposed to Failure?Banker on WheelsThe Definitive Guides: Equity Index InvestingBanker on WheelsETF Fees: How They Work & How to Minimise Them!Banker on WheelsFinancial Jargon: Explained By KathrinBanker on WheelsBroker Reviews: Halifax Share DealingBanker on WheelsBroker Reviews: InvestEngineBanker on Wheels Interactive Brokers: Step-By-Step Account Opening Guide Banker on Wheels So you have read our comprehensive review of Interactive Brokers (affectionately abbreviated IBKR or even IB by its users) and you have decided to open an account. This guide will walk you through the steps of the process. In some ways, this broker account opening process can be longer than for other brokers. That’s because IBKR is more sophisticated. But, we make this process a bit simpler. In the end going through it is worth the hassle given the benefits the broker may give you in the long run. Let’s get started! Show more 📊 Portfolio ConstructionAsset Allocation Portfolio Protection: Another Look at different protections CAIA Association Risk mitigation strategies can be separated into three distinct categories: First Responders, Second Responders, and Diversifiers.First Responders are the portfolio’s fast-twitch muscles. Their job is to respond immediately when markets become disorderly. Long volatility strategies sit in this category. They are designed to provide explicit and reliable protection during sudden market declines, even if that protection comes at the cost of carrying them
Retirement doesn’t happen all at once, at least not in the way most people picture. It happens in stages, and those stages look very different from each other. But they all play into how to plan to make your money last as long as possible. For most Americans, retirement will last for 15 to 30 years – maybe longer. And during that time, you’ll move through the three distinct phases. Your timing may be different […]
In 2026 I hit a milestone that seemed like a distant, foggy dream back in my corporate days: the ten-year anniversary of my retirement. If you want to go to the beginning and get the details on that blessed event, check out I Retired! There are some fond memories for me in that post! Anyway, my plan to celebrate this momentous occasion is to write several “10 Things” posts about retirement. So far, here are […]
A few months ago, I started sharing the best article I had read the month prior. Your support for this approach has been positive, so today I’m continuing with the theme. Sharing retirement advice is what this site is about, and today’s article fits that theme perfectly. When I read today’s original article on Substack, I found myself nodding “Yes!” to every one of the 14 pieces of “best retirement advice”. I was intrigued when […]
In a recent paper, David Blanchett found (again) that household spending tends to decrease over the course of retirement. That is, it increases, but not as quickly as inflation. So in “real” terms, it’s gradually going down. Relative to Blanchett’s earlier work on how retirees change their spending over time, his latest paper had two particularly noteworthy findings. Median vs Mean The first especially interesting finding was the difference between the median and mean (average). […]
Save, invest, prosper with My Own Advisor. Weekend Reading – Can you really retire on $500,000? Welcome to my latest Weekend Reading edition, wondering if you can really retire on $500,000??? I tackle that from a YouTuber in this edition and I share a bit more… In case you missed the last Weekend Reading edition, working through retirement with higher inflation: Weekend… Early retiree thanks to DIY investing in stocks and ETFs. The article Weekend […]