Monthly Older Posts: October 2021

What’s the effect of 5.9% inflation on our spending for 2022?

Inflation has been 5.9% over the past year based on the way Social Security (SS) calculates its Cost-of-Living-Adjustment. (See here for how SS calculates.) That’s the most since 6.1% inflation in 1990. (See here.) The purpose of this post is to describe what that


Hello from Montepulciano, Italy. Patti and I have been in Tuscany for 12 days now. This is the second of two international trips we wanted to take in 2021. I usually write blogs to post ahead of time when we are traveling, but I didn’t

Are you using too low of Safe Spending Rate (SSR%)?

You probably are using too low of Safe Spending Rate (SSR%) for your calculation of your annual Safe Spending Amount (SSA). (See Chapter 2, Nest Egg Care (NEC).) My schedule of age-appropriate Safe Spending Rates (SSR%) is too low. (See Graph 2-7 and

Is this a better Rule as to how to use your bond insurance for your spending?

I have a new rule I recommend for selling bonds for your spending. The rule results in a safer financial retirement plan. It can add several years to your ability to take a full withdrawal for spending. The purpose of this post is to explain

What is money?

I just read this headline (I’m writing on Wednesday afternoon.) that the Senate may agree to increase the debt ceiling. That would avoid a government shutdown, no payments of Social Security and, potentially, the default of US payments of its debt obligations: interest on billions

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