Tom’s Blog

Is your checkbook Neat or Sloppy?

I guess I would judge mine as both Neat and Sloppy. I think it’s always been both Neat and Sloppy. But what’s Neat and what’s Sloppy have switched over time. This post describes what I mean. Is your checkbook Neat and Sloppy? You actually want

Do you properly pay yourself in retirement? Most don’t.

If we are to truly enjoy our retirement, we must properly pay ourselves from our nest egg. We first need to pay the right amount each year – our annual Safe Spending Amount (SSA). (See Chapter 2, Nest Egg Care (NEC); see here for

Do you think of your annual pay from your nest egg as “use it or lose it?”

A couple of weeks ago I mentioned this book, Dollars and Sense. I liked its thinking in Chapter 6. That chapter says that we are happier if we disconnect what we are buying from the action of actually paying for it. “We feel better

How much money do you have to spend for FUN, FAMILY, and COMMUNITY?

Two prior posts (here and here) describe how Patti and I view our spending. We divide our spending into four categories. I’ll summarize these as Basics, Fun, Family, and Community. Let’s abbreviate those last three as FFC. The more we have to spend

What is it that you HATE to spend?

The last two posts (here and here.) discussed how Patti and I want to our spend money in the time we have left.



I then thought about our spending and made a list of where I dislike or even HATE to

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