Probably all of us carry some sort of rewards credit card. We get points, miles, or cash reward on our credit card purchases. We get more to spend at what we perceive to be no cost. (Retailers are passing on their costs for our use

You make two basic decisions for your financial retirement plan: How Much to Spend and How to Invest. It’s actually three decisions:

1. How Much Should I (we) Spend (Spending Rate)?

2. How Do I Invest?

a. What Investing Cost Should I incur?

b.

I read this article last week, Charts change hearts and minds better than words do. People understand better (and might think differently than they have in the past) by looking at graphs rather than by reading text and numbers in a table.

So,

You’re retired. You can’t waste money. You want to keep the most you can from future market returns. You can pay more (greater Investing Cost) to try beat the market. Or, you can reliably keep almost all of what the market gives – but with

A few years ago, I found I was very grumpy and sometimes a bit frustrated with spending money that we just did not NEED to spend. I’m much less concerned – actually totally unconcerned about $100 expenditures – now that I understand our annual Safe