Tom’s Blog

Our 15% “Pay Raise” Calculation. December 2017.

If you follow the CORE in Nest Egg Care, you Recalculate this general time of year. You may have Recalculated using your 12-month results ending October 31 (like Alice) or November 30 (like me now). Perhaps you will use December 31.

 

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A perfect gift idea for your loved ones: start 529 College Savings Plans

This is the time of year that we all think about giving to others we care about. If you’re like Patti and me, you have some left over from your 2017 Safe Spending Amount. Or, if you’ve recalculated for next year (following the CORE),

Your worry point is far down the shaft of your hockey stick.

Most of us worry about bad variability in stock returns. Our focus, our worry point, is usually no further than 12 months away.  The image in our head is a seesaw or roller coaster. When we’re retired – with the right plan – our real

14.5X on my investment. Other Baby Boomers did that, too.

The game of Save and Invest that we retirees have played for decades has turned out to be a somewhat easy game. The timing has worked out great for us. We retirees have ridden an above sequence of annual returns for stocks. That’s added up

Anticipation: my recalculation date is less than 3 weeks away

I peaked. The R in the CORE is coming up for me: Recalculation. Oh, boy. Wow. Unless the world falls apart over the next three weeks Patti and I have dodged the bullet of “bad variability” of returns for three years now. It’s waaay

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